Credit Cards for People with Bad Credit

Bad Credit Credit Cards Struggling with bad credit? Can't get a credit card because of poor credit history? We can help! Even if you have bad credit, or no credit history at all, there are still many credit card offers to choose from. Having credit cards not only gives you convenient access to cash and credit, it can also help you build a credit history and re-establish good credit.

There are three main types of bad credit credit cards. Unsecured credit cards for people with bad or no credit history, which is the most popular, function like a standard credit card, except the credit line will be lower and the fees higher. Prepaid credit cards that require funds pre-deposited into an account in order to activate the card, and the charges you make to the card are deducted from this deposit. Secured credit cards are cards backed by a deposit you make into a bank account, which serves as security for the card.

When you compare credit cards, keep in mind that the best credit card offers require a good credit rating, so you may start with a low credit limit, more stringent terms, and higher fees. But rest assured, as long as you make your payments on time, your credit limit and the terms may steadily improve over time. To make things easier, we have selected top 10 credit cards that are designed for people with bad credit history. Compare the following offers and apply online today for a credit card you can trust.

Top 10 Offers | Unsecured Cards | Secured Cards | Prepaid Cards

Capital One® Secured MasterCard®  Editor's Choice

  • Get the credit you need with no processing fees or application fees
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • Your refundable security deposit can get you a line up to $3000
  • You may qualify for credit line increases with no further security deposit required
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 22.9% (V)* $29.00* Yes* Bad Credit*

Orchard Bank Classic MasterCards

  • An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • Knowledgeable customer service representatives to assist you with questions or concerns
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 14.99%-19.99%* $0 - $59 the first year, $35 - $59 per year thereafter* Yes* Bad Credit*

Orchard Bank Visa Cards

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • Knowledgeable customer service representatives to assist you with questions or concerns
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 14.99%-19.99%* $0 - $59 the first year, $35 - $59 per year thereafter* Yes* Bad Credit*

BuyRIGHT Prepaid MasterCard®

  • Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
  • Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
  • Free Direct Deposit, Online bill pay, Earn rewards.
  • No credit check, 100% approved*
  • No bounced check fees or overdraft fees - ever!
  • Travel, rent cars, reserve hotels, shop online safely.
  • Unbelievable customer service.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $7.95 monthly* N/A* No Credit Check*

Wired PlasticTM Visa® Prepaid Card

  • Accepted everywhere VISA is accepted
  • No Credit Check, Income requirements, or bank account required
  • Free Online Access to Account
  • Free Mobile Alerts - Text to your mobile and email
  • Free Bill Pay Service - Pay Anyone Online or Over the Phone
  • Free Rewards Program - Earn 1 point for every $1 spent
  • No Bounced Check, NSF, or Overdraft Charges Ever
  • Free Direct Deposit - Eliminate check cashing fees
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $3.95 monthly N/A* No Credit Check*

Walmart MoneyCardSM MasterCard® Prepaid Card

  • No issuance fee online
  • No credit check or bank account required
  • No overdraft fees
  • No minimum balance required
  • Free Direct Deposit
  • $10 bonus with qualifying Direct Deposit (for a limited time only)
  • Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $3.00 monthly* N/A* No Credit Check*

American Express® Prepaid Card

  • The benefits of Cardmembership start here!
  • No Monthly, Annual or Purchase Fees
  • No Overdraft, Inactivity or Foreign Exchange Fees
  • Purchase Protection*
  • Fraud Protection
  • Roadside Assistance*
  • No Credit Check
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $0.00* N/A* No Credit Check*

Pink ACE Elite(TM) Visa® Prepaid Card

  • As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
  • Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
  • Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
  • No credit check, No application fee, No obligation*
  • Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* up to $9.95 monthly* N/A* No Credit Check*

Green Dot® Gold PrePaid Visa®

  • $0 Activation Online - with no credit check
  • Access over 18,000 MoneyPass® ATM's
  • Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
  • No Monthly fee for any month with at least 30 purchases
  • No Transaction fees on US purchases
  • No Overdraft fees
  • No Minimum balance required
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* up to $5.95 monthly* N/A* No Credit Check*

Prepaid Visa® Pink Diamond RushCard

  • 100% Guaranteed Approval* - No Credit Check.
  • Free Direct Deposit - sign up now and have a safe place to put your tax refund.
  • Only card that lets you change your fee plan whenever you want to.
  • Free prescription discount card.
  • Easy Bill Pay - pay bills, rent, or write personal checks.
  • Card to card transfers.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $0.00* N/A* No Credit Check*

 


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