Credit Cards for Bad Credit
People with bad credit have limited options for credit cards and the possibilities of getting disapproved by banks or issuers are greater than others. Most credit cards with good benefits or low rates require an above fair credit score. A lot of companies refuse to provide credit line if the applicant doesn't have a deposit. But if you choose a right card and use it responsibly, the card may help you to rebuild your credit. Here are some popular cards for people with poor credit to choose from.
Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!
4.8
Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!
- Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
- A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
- There's no annual fee and no application fee. See the complete WebBank/Fingerhut Credit Account Terms and Conditions.
- See additional Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products! details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Issuer Website
Annual Fee
$0
Credit Needed
Bad, Average
Capital One® Secured Mastercard®
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- See additional Capital One® Secured Mastercard® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Bad
Discover it® Secured Card
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
- Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
- Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Tools to assist you; email alerts, text reminders and 24/7 customer service.
- See additional Discover it® Secured Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
23.74% Variable
Annual Fee
$0
Credit Needed
No Credit, Bad, Average
OpenSky® Secured Visa® Credit Card
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
- See additional OpenSky® Secured Visa® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.14% (Variable)
Annual Fee
$35
Credit Needed
Bad, No Credit
First Progress Platinum Elite MasterCard® Secured Credit Card
- Fund your new MasterCard® secured credit card with your tax refund today!
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- See additional First Progress Platinum Elite MasterCard® Secured Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
19.99% (Variable)
Annual Fee
$29
Credit Needed
Bad
UNITY® Visa Secured Credit Card
- Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
- No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
- No application fee or penalty rate
- Monthly reporting to all 3 major credit bureaus
- 24/7 online access to your account
- *See the Cardholder Agreement for more details.
- See additional UNITY® Visa Secured Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
9.95% for 6 months
Regular APR
17.99% (Fixed)
Annual Fee
$39
Credit Needed
Bad
First Progress Platinum Prestige MasterCard® Secured Credit Card
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First Progress Platinum Prestige MasterCard® Secured Credit Card
- Fund your new MasterCard® secured credit card with your tax refund today!
- Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
- We can approve you at any credit score, no minimum required.
- No processing or application fees required.
- Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See additional First Progress Platinum Prestige MasterCard® Secured Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
9.99% (Variable)
Annual Fee
$49
Credit Needed
Bad
First Progress Platinum Select MasterCard® Secured Credit Card
- Fund your new MasterCard® secured credit card with your tax refund today!
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- See additional First Progress Platinum Select MasterCard® Secured Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
13.99% (Variable)
Annual Fee
$39
Credit Needed
Bad
USAA Secured Card® Platinum Visa®
- Best for members rebuilding or establishing credit.
- Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
- No foreign transaction fees when you travel outside the United States.
- See additional USAA Secured Card® Platinum Visa® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
10.90%-26.90% (Variable)
Annual Fee
$35
Credit Needed
Bad
primor® Secured MasterCard Gold Card
- Low fixed interest rates with no penalty rate!
- Reports to all three nationwide credit bureaus
- Fast, easy application process
- No processing or application fees!
- Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
- *See application for additional details
- See additional primor® Secured MasterCard Gold Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
9.99%
Annual Fee
$49
Credit Needed
No Credit, Bad
primor® Secured MasterCard Classic Card
- Low fixed interest rates with no penalty rate!
- Reports to all three nationwide credit bureaus
- Fast, easy application process
- No processing or application fees!
- Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
- *See application for additional details
- See additional primor® Secured MasterCard Classic Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
13.99%
Annual Fee
$39
Credit Needed
No Credit, Bad
USAA Secured Card® American Express®
- Best for members rebuilding or establishing credit.
- Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
- No foreign transaction fees when you travel outside the United States.
- See additional USAA Secured Card® American Express® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
10.90%-26.90% (Variable)
Annual Fee
$35
Credit Needed
Bad
First PREMIER® Bank Secured Credit Card
- No credit history required to apply for this credit card
- Application response in as little as 30 seconds.
- This is a genuine secured credit card - not a debit or prepaid card.
- If approved, fund your Security Deposit to open your account. Once open, you will have the opportunity to build your credit limit up to $5,000.
- Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
- Quarterly FICO score on your monthly billing statement.
- Zero fraud liability protects you from unauthorized charges. Restrictions apply.
- Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
- See additional First PREMIER® Bank Secured Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- See additional Applied Bank® Secured Visa® Gold Preferred® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Needed
Bad
The Secured Visa® from Merrick Bank
- Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
- Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
- Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
- Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
- Easy funding options - several convenient options to easily submit your security deposits.
- Worldwide acceptance - use it anywhere Visa is accepted.
- Quick, easy application - apply online today!
- See additional The Secured Visa® from Merrick Bank details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.20% (Variable)
Annual Fee
$36
Credit Needed
Bad
Surge Mastercard® Credit Card
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
- See additional Surge Mastercard® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Needed
Bad
VERVE Mastercard® Credit Card
- Initial Credit Limit of $500.00* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- All credit types welcome to apply!
- Fast and easy application process; results are provided online
- Use your card at locations everywhere that Mastercard is accepted
- Free online account access 24/7
- Checking account required
- See additional VERVE Mastercard® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Bad
Total VISA® Unsecured Credit Card
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine VISA card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Processing Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
- No-Fee credit line increase opportunities!
- See additional Total VISA® Unsecured Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Needed
Bad, Average
The First Access VISA® Credit Card
- Access credit even if you have poor or limited credit history
- Quick and Easy Secure Online Application
- A genuine VISA card accepted by merchants nationwide
- Get a response in as little as 60 seconds!
- Reporting to 3 major credit bureaus
- Apply today! If approved Access your credit after paying a one-time processing fee.
- Reports monthly to all three major credit bureaus
- See additional The First Access VISA® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Needed
Bad, Average
Horizon Gold Card
- Reports to major credit bureau
- Fast online approval
- Unsecured credit limit
- No credit check
- No employment check
- $500 initial credit line
- 0% APR
- See additional Horizon Gold Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
0.00%
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly
Credit Needed
Bad
Merrick Bank Double Your Line™ Visa® Credit Card
- See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
- Double Your Line by making at least your minimum monthly payment on time for the first 7 months.
- Get your updated FICO® Score each month when it is provided to us from the credit bureau.
- $0 Fraud Liability protects you from unauthorized charges.
- Online and Mobile Account Access
- No Penalty Rates or Over Limit Fee.
- See additional Merrick Bank Double Your Line™ Visa® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Bad
primor® Secured Visa Gold Card
- Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
- See additional primor® Secured Visa Gold Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
9.99%
Annual Fee
$49
Credit Needed
Bad, No Credit
Digital Federal Credit Union Visa Platinum Secured Credit Card
- No annual fee
- No cash advance fee
- Lower ongoing APR
- No balance transfer fee
- high credit limit
- See additional Digital Federal Credit Union Visa Platinum Secured Credit Card details
Purchases Intro APR
12.50%, Variable
Balance Transfers Intro APR
0
Regular APR
12.50%, Variable
Annual Fee
$0
Credit Needed
Bad, Average, Good, Excellent