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 as long as you make timely payments and remain below the credit limit with all creditors.

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 Debit 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 with all of your creditors and maintain your account balances below the credit limits, you may be able to rebuild your credit history. To make things easier, we have selected top rated 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 Rated Offers | Unsecured Cards | Secured Cards | Prepaid Cards

First PREMIER® Bank MasterCard® Credit Card  Editor's Choice

  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you will have access to millions of merchants worldwide (subject to available credit)
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A* N/A* See website* See website* N/A Fair/Bad Credit*

American Express® Serve

  • Free sign up and no credit check
  • No monthly or annual fees
  • Get the prepaid card and mobile app
  • Send and receive money by email and text
  • American Express safety and security
  • Link a bank account, debit or credit card; add money with MoneyPak®; and use at ATMs*
  • Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access
    *Terms, conditions and exclusions apply
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A No Monthly or Annual Fees N/A No Credit Check

First PREMIER® Bank Classic Credit Card

  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
  • Optional Payment Protection Available
  • A credit card offer for those lacking perfect credit.
  • You may be able to reestablish your credit history by making timely minimum payments with all creditors and keeping your account balances below the credit limits
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A* N/A* See Website* See Website* N/A Fair/Bad*

Prepaid Visa® Baby Phat RushCard

  • Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
  • Easy Online Bill Pay - pay bills, rent, or write personal checks.
  • Free 24/7 customer service.
  • Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A Variable Monthly Fees N/A No Credit Check

First PREMIER® Bank Gold Credit Card

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee to begin enjoying your available credit.
  • Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history
  • Reports your credit history to the major Consumer Reporting Agencies
  • This is a credit card - not a debit or prepaid card
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A* N/A* See website* See website* N/A Fair/Bad Credit*

MAGIC Prepaid Mastercard®

  • Receive a $10 Bonus Credit* when you enroll in Direct Deposit.
  • Add money for free with Direct Deposit
  • Get cash for free by choosing cash back at retail stores
  • Manage your account for free online and with automated alerts
  • No Credit Check or Bank Account Required
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A $0 N/A No Credit Check

The First Progress Platinum Elite MasterCard® Secured Credit Card

  • Receive your card more quickly with new expedited processing option
  • No credit history or minimum credit score required for approval
  • Quick and complete online application
  • Full-feature platinum masterCard® secured credit sard 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 $300 - $2,000 submitted with application
  • Just pay off your balance and receive your deposit back at any time
  • Nationwide program – though not yet available in NY, IA, AR, or WI
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 19.99%* $29* N/A* Bad Credit

PREMIER Forward® MasterCard® Credit Card

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Acceptance at millions of locations worldwide (subject to available credit)
  • Credit card responses in 60 seconds or less
  • Optional Payment Protection Available
  • No security deposit required
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A* N/A* See website* See website* N/A Fair/Bad Credit*

First Progress Platinum Select MasterCard® Secured Credit Card

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • 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 $300 -- $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
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 19.99%* $29* N/A* Bad Credit

Prepaid Visa® Classic RushCard

  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Choose from multiple fee plan options, and switch for free.
  • Transfer money to another RushCard member for just $0.99.
  • No overdraft fees.
  • Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A Variable Monthly Fees N/A No Credit Check

PREMIER Possibilities® Credit Card

  • Must have checking account to qualify
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Once your account is open, you may have the chance to personalize your credit card
  • Acceptance at millions of locations nationwide, including online purchases (subject to available credit)
  • You may be able to rebuild your credit history if you do the following: make on-time monthly payments and keep your balances under the limits with all your creditors.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A* N/A* See website* See website* N/A Fair/Bad Credit*

PayPal™ Prepaid MasterCard®

  • Real-time mobile alerts notify you of transactions and balances.
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard®!
  • No credit check, overdraft fees or interest charges.
  • Get cash back rewards.
  • Safer than carrying cash - use it to pay for everyday purchases.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A $4.95 monthly fee N/A No Credit Check

Prepaid Visa® Pink Diamond RushCard

  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Choose from multiple fee plan options, and switch for free.
  • Earn fee rebates for maintaining balance in RushGoals program.
  • Transfer money to another RushCard member for just $0.99.
  • Free 24/7 customer service.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A Variable Monthly Fees N/A No Credit Check

Account Now Gold Visa® Prepaid Card

  • 100% Guaranteed Approval - upon successful ID verification
  • $0 Activation Fee
  • $15 Bonus§ with Free† Direct Deposit
  • $10,000 balance limit
  • Shop online & Pay bills online
  • Easy Mobile Account Access
  • Deposits are FDIC insured
  • BBB Accredited A+ Company
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 fee N/A No Credit Check

Prepaid Visa® Black Diamond RushCard

  • Get your government benefits up to two days early with Direct Deposit. *Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay - pay bills, rent, or write personal checks.
  • Safer than carrying cash, use everywhere Visa debit cards are accepted.
  • No overdraft fees.
  • Conveniently send and receive money to and from family and friends with card to card transfers.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A Variable Monthly Fees N/A No Credit Check

 


Free Credit Score
GoFreeCredit.com