Credit Card Applications
ADVERTISER DISCLOSURE is an independent, advertising-supported web site. is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. does not offer, review or present all available credit offers.

You Have Bad
Credit History?

for FAIR or BAD Credit
Horizon Gold Credit Card

500 Credit Limit. No Credit Check.

Must have Active Debit Card or Credit Card to qualify.

for ANY Credit

Reports to Major Credit Bureau.

Credit Limit of Up To $3,500.

Bank Name
Card Name
Credit HistoryAnnual Fee Activation Fee Apply / Details

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 300,000 items.
  • Shop Great Brands at
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC438. Exp. 11/1/2015.
  • *SEE Site for Terms & Conditions.
Fair / Bad

Fair / Bad Credit
You can apply if: you regularly miss or skip payments and max out your credit balance; you had one or more foreclosures or a bankruptcy declared; you`ve had your own credit card for less than three years.

$35 - $99*See Terms
  • Previous bankruptcy OK.
  • Quickly pre-qualify with no impact to your credit score.
  • Zero Liability - you′ll never be held liable for unauthorized charges made to your card.
  • Choose your custom card design - Free.
  • Free online account access - 24/7.
Poor / Bad

Poor / Bad Credit
You can apply if: you had multiple foreclosures, repossessions or declared a bankruptcy; you regularly miss payments and spend most of your available credit.

  • Zero fraud liability protects you from unauthorized charges.
  • Get Pre-Qualified without harming your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Pick your payment due date to fit your schedule.
  • Free online monthly credit score tracking included.
  • Choose your card design from our premium gallery.
  • Earn unlimited 1% cash back on gas and grocery purchases, terms apply.
  • Rewards post to your account automatically each month.
  • Email or text alerts to remind you when your payment is due.
Bad / No

Bad / No Credit
You can apply if: you have never had a credit card or haven't established a credit history yet; your credit has seen bankruptcies or defaults.

See TermsSee Terms
  • 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.

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

See Terms$0
  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!
  • We won´t check your credit and you will not be denied for bad credit. Buy Now...Pay Later!

Prepaid Debit Cards for Any Credit History:

Bank Name
Card Name
Activation FeeGuaranteed ApprovalCredit CheckBuild Credit Apply
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Free direct deposit to help you get your paychecks and government payments up to 2 days faster!*
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
  • Trust Brink′s with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don′t have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the Payback Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You′re A Little Short.
See TermsNoNoNo
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks faster.
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
* See Card Terms & Conditions for Details.

Improve Your Credit History

Here you will find credit card applications for people with bad credit scores, limited credit, and no credit history. Although credit cards for bad or limited credit don`t usually have low rates or rewards programs, they are essential in helping you establish or rebuild credit. Even though the terms aren`t the best, credit cards for poor credit are extremely useful. Not only do they act as a stepping stone toward building your credit, but if you are responsible using the card and paying the bill you will be able to get a better credit card in the future. We have a variety of credit cards to select from. If your credit history is limited, you can also choose from the offerings at credit card applications for limited credit.

Secured Cards

Secured Credit Cards

If you have bad credit, you may need to apply for a secured credit card. In order to get one of these cards, the issuing bank will require you to open an account with them. You will need to make a deposit in the account which will act as collateral for the credit card. Your credit limit is usually equal to the amount of money that you deposit. Read the details of the offer to confirm how much your limit will be and to find out if there are any additional fees.
People with limited credit history or a bad credit score tend to prefer secured credit cards over unsecured credit cards for bad credit. The secured cards tend to have lower interest rates and will ultimately cost less than an unsecured credit card if you don`t plan to pay off the balance each month. Also, if you have bad credit, an unsecured credit card may be more difficult to qualify for. However, if you prefer unsecured credit cards, consider First PREMIER® credit cards. Some of the products issued by First PREMIER® Bank are unsecured, fee-based products.
A secured credit card can also help you raise your credit score. Most banks that issue these cards will report your payments to the major consumer reporting agencies. Not all banks will do this though so you should read the terms and conditions before applying, if that is your goal. Regardless of your credit score, if you have a few hundred dollars in your bank account you can start rebuilding your credit today. Find a card to establish your credit in secured credit cards.

Applying for a Credit Card after Bankruptcy

Applying for a Credit Card after Bankruptcy

For some people, using credit irresponsibly can lead to bankruptcy. It is often necessary to get a new credit card afterwards in order to improve your credit score. Here you will find offers for credit cards even if you have filed for a Chapter 7, 11, or 13 bankruptcies. There are some banks that will give you the opportunity to obtain a credit card after bankruptcy in order to rebuild your credit. For example, Capital One offers both secured and unsecured credit card applications for bad credit scores. In the case of bankruptcy, applying for a secured credit card may be your best option.

Immediate Credit Card
Care Service

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

The latest questions of Immediate Credit Card Care Service

Why can't I get an unsecured credit card from a company that says it's for bad credit?

There are different things credit card issuers look at when you apply for a credit card. So, even if you apply for a credit card for people with bad credit, the issuer will still check if you have a bankruptcy and if you have late payments on your loans. You can contact the issuer to find the reason you were denied. If you have problems with getting approved for an unsecured credit card, try a se...

What secured card can I get with bad credit?

You can consider applying for the Capital One® Secured MasterCard® credit card. The minimum security deposit for this card is $49, $99 or $200 based on your creditworthiness and it gets you a $200 credit line.  The APR is 22.9% and variable. If you need a card with lower APR look at other secured cards we offer....

see all questions ...
Credit Report

Credit History Center

About Credit Score

About your Credit Score

One of the largest factors in determining your eligibility for a credit card is your credit report and credit score. Banks and credit card companies use your score to determine how much of a risk it would be to lend money to you. Your score tells them how likely you are to pay back your debt. It is important to have a good or excellent credit score. FICO credit score ranges from 350 to 850. The higher your score is, the higher your credit limit will be and the lower your interest rate will be. What is a bad score? Anything less than 640 is considered a bad score.

Each individual actually has three different credit scores for the FICO model because each of he major consumer reporting agencies, Equifax, Experian, and TransUnion has its own database. Data about individual consumers varies between credit bureaus. There are many different websites out there that will show you your credit scores for free. You should find out what your score is so you know which credit cards you can apply for.

How Do Credit Companies Calculate Your Credit Score

How do Credit
Companies Calculate
Your Credit Score?

There are many factors that go into calculating your credit score. Here is how the widely-used FICO credit scoring model is calculated:

-35% is based on your payment history. Late payments on bills will cause your score to drop and on-time payments will improve your score.

-30% comes from your credit utilization ratio. This ratio compares your current revolving credit card debt to the amount of credit you have available. The less credit you use, the higher your score will be.

-15% is scored on the length of your credit history. As your active credit cards get older, your credit score improves.

-10% involves the types of credit you have used. A credit card is only one type of credit-revolving debt. Having experience with installment loans, consumer finance, and mortgages will improve your score.

-10% is based on recent requests for credit. Opening or applying for several new credit cards at once can hurt your score.

Ways to Improve Your Credit

How to Build

If you want to know how to improve your credit score, you should follow these basic rules. Most importantly pay all of your credit card bills on time. If your bank has an auto-payment program, you may want to start using it. Making regular on-time payments is the best way to raise your score.

You should pay off outstanding balances in full each month rather than making only the minimum payment. This is because part of your score is based on your credit-to-debt ratio so you don't want to utilize more than 30 percent of your available credit. The more credit you have and the less you use, the higher your score will be.

Don`t close old credit cards. Keep your oldest accounts open and active, even if you are only spending a dollar a month with them. Closing your accounts will hurt your score as it will reduce your available credit and remove some of your good credit history from your report. You should also monitor your credit card bills monthly and your and credit report regularly to watch for fraudulent charges or mistakes.

Copyright © 2006-2015
All Rights Reserved is an independent, advertising-supported web site. is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.