Credit Cards For Bad Credit

Horizon Gold Credit Card Must have Active Debit Card or Credit Card to qualify. $500 Credit Limit. No Credit Check.

First Access Visa Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won’t

National Credit Direct Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more! 5% Cash Back on All Purchases or FREE merchandise6 $1/day6 or less for Apple, Samsung, Acer and more

Total Visa 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

Many things in our life hinge upon having good credit. But the problem is that having good and excellent credit requires much work to be done. First you need to prove to lenders that you are a worthy financial risk. Start with a bad credit card. Make on time minimum payments and keep account balances low relative to the credit limit to show how creditworthy you are.

Bad credit is generally associated with something negative, but in fact it can be just another stage in your credit life. Unfortunately, there are not so many issuers offering financial products and services for people with bad credit. But still, they do exist and, thanks to these companies and banks, millions of people have managed to break away their bad credit history by making on time minimum payments and keeping account balances low relative to the credit limit with all creditors.

Most of those who have less than perfect credit history want to fix their scores, but only few of them realize how important their credit performance is. Bad credit cards are designed to help you build a pisitive credit history. They may apply pretty high interest rates compared with regular cards, but they report to major consumer reporting agencies monthly and that's what counts most!

Credit Card Name	Intro APR	Intro APR Period	Annual Fee	Ongoing APR	Apply / Details
Total Visa Card	N/A	N/A	See Terms*	See Terms*	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 details
Credit One Bank® Visa® Credit Card	N/A	N/A	$0 - $99	19.15% - 25.24% Variable	See if you Pre-Qualify without harming your credit score. Find the card that´s right for you in less than 60 seconds. CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go. Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply. Give your credit a boost with credit line increase opportunities, a fee may apply. Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply. Always know what’s happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low. Customize your card by selecting a unique design from Credit One Bank’s card gallery. There are more than 20 options to choose from. A fee may apply. see details
Indigo® Mastercard® for Less than Perfect Credit	N/A	N/A	$0 - $99	29.9%	Pre-qualify for a card today and it will not impact your credit score All credit histories considered Mobile account access at any time Fraud protection for stolen or lost cards Account history is reported to the three major credit bureaus in the U.S. see details
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit	N/A	N/A	$35 - $99*	29.9%	Easy pre-qualification process which does not affect your credit score Less than perfect credit is okay 24/7 access to your account information, even on mobile Protection from fraud, if your card happens to be lost or stolen Account history is reported to the three major credit bureaus in the U.S. see details
Surge Mastercard®	N/A	N/A	See Terms*	See 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 see details
Total Visa Card	N/A	N/A	See Terms*	See Terms*	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 details
WebBank/Fingerhut Credit Account	n/a	n/a	$0	n/a	No Annual Fee. See WebBank/Fingerhut Credit Account Terms. No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms. Instant Response (Delays may occur depending on application data provided). Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application. Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit. Choose From Over 450,000 items. Shop Great Brands at Fingerhut.com. Get the Credit You Deserve. We just love saying "YES!" see details

What is a bad credit score? Any FICO score that falls between 350 and 639** is considered a bad credit score. If your score is low, banks consider you a high risk and have reason to doubt your ability to meet your financial obligations. There are credit cards for people with bad credit, but the interest rates are higher than ones offered to people with a better credit history.

Credit cards for people with low credit scores come in three types: secured, regular, and prepaid. Secured credit cards tend to be easier to qualify for. The bank will ask you to place a deposit which will act as collateral. Your spending limit will generally be based on the amount of your deposit. Secured credit cards can also help you raise your credit score. Most banks will report your payments history to the consumer reporting agencies, which may help you level up your credit rating. Not all banks report to the agencies though, so you should read the terms and conditions before making any agreements.

You will also be able to find unsecured credit cards for bad credit some of which may be fee-based. For example, some of the products issued by First PREMIER® Bank are unsecured, fee-based products. However, you may be better off with a secured credit card as they will most likely have lower interest rates and could wind up saving you money in the long run if you plan to carry a balance. The third option is a prepaid credit card. But the issuers of these cards do not report your activity to the consumer reporting agencies since they are not extending you a line of credit. So if your goal is to get a better credit score, then choose a secured or regular credit card which will help you rebuild your credit if you make your payments on time and stay below credit limits with all creditors.

If you use your credit card responsibly, you will be able to raise your score and will be able to qualify for better credit card offers in the future. Your interest rate and credit limit are dependent on your credit score. As your credit score increases, your credit limit goes up and your interest rate goes down. Here you can find the credit card applications for people with bad credit. If you wish to get a chance to change your credit score, one of the first steps you must take is to obtain a new line of credit and use it wisely.

Limited Credit History