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Prepaid & Credit Cards for People with Bad Credit

If you have a bad credit history there are still credit card issuers that will approve your application. There are prepaid and secured cards. For people with bad credit, credit cards here offer a chance to rebuild your credit history. Be sure the card you are applying for is aimed at those with poor credit, as too many credit inquiries can lower your score. Some cards do not require a credit check. In order to rebuild your credit, the issuer must report your timely payments to a credit bureau.
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Surge® Platinum Mastercard® Credit Recommended: Bad, Fair, Good, Excellent

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured

APRs & FEES:

Regular APR: 29.99% (Variable)
Annual Fee: $75 - $125, after that $99 - $125 annually
Application Processing Fee: See Terms*
Reporting to Credit Bureaus: Yes
Card Type: Unsecured
Regular APR: 29.99% (Variable)
Annual Fee: $75 - $125, after that $99 - $125 annually
Application Processing Fee: See Terms*

Surge® Platinum Mastercard® Credit Recommended: Bad, Fair, Good, Excellent

Details:

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to apply!Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian Show More
Initial Credit Limit of $300 – $1,000 (subject to available credit)Monthly reporting to the three major credit bureausSee if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsOnline account access 24/7Checking Account Required
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Group One Freedom Card Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: No
Card Type: Unsecured Store Credit Card

APRs & FEES:

Regular APR: 0.00%
Annual Fee: See terms
Application Processing Fee: See terms
Reporting to Credit Bureaus: No
Card Type: Unsecured Store Credit Card
Regular APR: 0.00%
Annual Fee: See terms
Application Processing Fee: See terms

Group One Freedom Card Credit Recommended: Bad

Details:

Bad Credit, Low Score? No Problem!Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!Receive a $750 Credit Line* Show More
Easy Application with Immediate ResultsNo Credit Check*usable only at theHorizonOutlet.com
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Reflex® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured

APRs & FEES:

Regular APR: 29.99% (Variable)
Annual Fee: See Terms*
Application Processing Fee: See Terms*
Reporting to Credit Bureaus: Yes
Card Type: Unsecured
Regular APR: 29.99% (Variable)
Annual Fee: See Terms*
Application Processing Fee: See Terms*

Reflex® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

Details:

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)See if you’re Pre-Qualified with no impact to your credit scoreAll credit types welcome to apply Show More
Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)Initial Credit Limit of $300 – $1,000 (subject to available credit)Monthly reporting to the three major credit bureausFast and easy application process; results in secondsUse your card at locations everywhere Mastercard® is acceptedChecking Account Required
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Total Visa® Card Credit Recommended: Fair/Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured

APRs & FEES:

Regular APR: 35.99%*
Annual Fee: $75.00 1st year, $48.00 after*
Application Processing Fee: See Terms*
Reporting to Credit Bureaus: Yes
Card Type: Unsecured
Regular APR: 35.99%*
Annual Fee: $75.00 1st year, $48.00 after*
Application Processing Fee: See Terms*

Total Visa® Card Credit Recommended: Fair/Bad

Details:

Earn 1% cash back rewards on payments made to your Total Credit CardChecking Account Required$300 credit limit (subject to available credit) Show More
No security deposit, simply pay a one-time $95 program fee to open your account.*User friendly Mobile App.*See Rates, Fees, Costs & Limitations for complete offer detailsSee Total Card Visa Rewards Programs Terms & Conditions for details
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Secured

APRs & FEES:

Regular APR: 9.99% Fixed
Annual Fee: $48
Application Processing Fee: None
Reporting to Credit Bureaus: Yes
Card Type: Secured
Regular APR: 9.99% Fixed
Annual Fee: $48
Application Processing Fee: None

Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged

Details:

Better than Prepaid…Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus Show More
9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are LateActivate Today with a $200 Minimum Deposit - Maximum $1,000.Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad/No

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Secured

APRs & FEES:

Regular APR: 25.64% (variable)
Annual Fee: $35
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Card Type: Secured
Regular APR: 25.64% (variable)
Annual Fee: $35
Application Processing Fee: See Terms

OpenSky® Secured Visa® Credit Card Credit Recommended: Bad/No

Details:

No credit check to apply. Zero credit risk to apply!Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time paymentsExtend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required! Show More
Get free monthly access to your FICO score in our mobile applicationBuild your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransunionAdd to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google PayFund your card with a low $200 refundable security deposit to get a $200 credit lineApply in less than 5 minutes with our mobile first applicationChoose the due date that fits your schedule with flexible payment datesFund your security deposit over 60 days with the option to make partial paymentsJoin over 1.2 million cardholders who’ve used OpenSky to build their credit
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BadCreditLoans.com Credit Recommended: Any

LOAN AMOUNT:

Minimum: $500
Maximum: $10,000

REQUIREMENTS:

Minimum Credit Score: All Credit Scores
Minimum Age: 18
Minimum Income Required: $1,000 (net)
Checking Account Required: Yes
Minimum: $500
Maximum: $10,000
Minimum Credit Score: All Credit Scores
Minimum Age: 18
Minimum Income Required: $1,000 (net)
Checking Account Required: Yes

BadCreditLoans.com Credit Recommended: Any

DETAILS:

Up to $10,000 deposited to your bank account, if approvedGet funds as soon as the next business dayFast, Safe, and Convenient - all online!

Credit Cards for Bad Credit

Getting a credit card while you have bad credit is not impossible. In fact, applying for the right credit card can help your credit history.

Look for a card that offers payment terms and benefits that meet your financial needs. While there may be many offers and promotions for those with a bad credit history, not every card will be right for your specific situation. There are several different companies that offer special deals especially for those with past credit problems. Before you apply for a credit card, make sure you understand the terms and conditions. Understanding your responsibilities as a cardholder is important. Improper use of a credit card can damage your credit even more. Once you are sure the card you've chosen is good for you, you can apply online.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How to rebuild credit after bankruptcy?

Once your bankruptcy is resolved you will want to rebuild your credit. There are many possible ways to rebuild your credit and one of them is a secured credit card. The cards’ activity is usually reported to the major credit bureaus monthly and this reported credit activity is the core of your credit score. To get a secured credit card you will need to put down at least a minimum security deposit. The minimum deposit will get you access to the minimum credit line, which is enough to show some positive credit activity. When use a secured credit card (and any credit card), you should make all due payments on time. Try to pay more than just a minimum - keeping balances low is also important.

How to build credit when my credit is bad and nobody gives me a credit card?

Having bad credit is even worse than having no credit at all because you already lost your credibility. However, it doesn’t mean you will never get approved for a credit card gain. Working hard you will be able to gain your credibility back. To start with, we would recommend you to check your credit reports. Get a copy of your credit report from each of the three major credit bureaus (Equifax, Experian and TransUnion). Look for any inaccuracies or outdated information. If you see errors, dispute them with credit bureaus. If you see credit inquiries from companies you do not recognize, dispute them as well. Once your report is clear and updated, you can apply for a credit card. A secured credit card is the best option for people with bad credit because secured card are created for people with bad credit. The cards are usually reported to all three major credit bureaus allowing you to improve your credit.

What is the best credit card for bad credit?

There are different credit card offers for people with bad credit and which one is the best depends on a person’s financial situation, credit score, and preferences. One card can be good for one person but the same card may not be as good for you. So we recommend you to consider everything from fees to interest rates when you choose a credit card. Another thing you may want to get with the credit card is the ability to track your credit score for free. Today many major banks and credit card issuers give access to credit score trackers for free. The score trackers will help you understand what is good and what is bad for your credit score, so you will be able to improve your credit faster.

How to get a credit card with bad credit?

Today there are credit card issuers that offer secured and unsecured credit cards to people with bad credit. Depending on how bad your credit is you can qualify for a secured or for an unsecured credit card. However, it is easier to get approved for a secured credit card because it requires a security deposit. The security deposit acts as a guarantee of your promise to pay and if you default on a secured credit card, the creditor will use your security deposit. Before you apply for a credit card, make sure your credit reports are correct and do not have outdated or erroneous information.