Credit Card Applications

Credit Cards For Bad Credit

Contrary to popular belief, you are still able to apply for a credit card even if you have bad credit or a limited credit history. There are many secured and prepaid credit cards available for those with a poor credit background. Review our offerings for bad credit, limited credit, and no credit to find the one that is right for you based on your needs and financial background.

Horizon Card Services

Horizon Gold Credit Card
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • Build credit with responsible use with no processing or application fees.
  • Regular reporting to the 3 major credit bureaus.
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker.
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • 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!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.

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 improve 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 improve your 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!

Bank Name
Credit Card Name
Credit History Apply / Details
Any Credit (No Credit Check)
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • Offers 90 Day Cash Discount.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • $100 off $1200 or more (for a limited time) - Use Coupon Code: DEAL100. This will expire on 04/30/14.
Excellent / Good
  • Get Credit Where You Want It.
  • No Credit Check.
  • Up to $350 initial unsecured credit line.
  • This is a REAL credit card!
  • Reports positive payment history which may improve your credit.
  • Easy online application with instant approval.
  • Perfect card for those with poor credit.
Poor / Bad
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
  • Get pre-qualified without affecting your credit score.
  • Make your first six payments on time and get a credit line increase.
  • Keep an eye on your credit information with free online monthly credit score tracking.
  • Choose your card design from our premium gallery.
  • Email or text alerts to remind you when your payment is due.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Best Prepaid Cards with NO Credit Check:

Bank Name
Prepaid Card Name
Activation FeeGuaranteed ApprovalCredit CheckBuild Credit Apply / Details
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
  • Earn Cash Back Rewards & Refer A Friend bonuses.
  • Free Bill Pay and online budget management tools.
  • Transfer money to other cardholders online or with your mobile phone.
  • Free Smartphone App - check your transactions, balance and find the closest reload location.
  • Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
  • Get Paid up to 2 days faster with direct deposit - paychecks and government benefit checks.
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees.
  • Earn cash back with NetSpend Payback Rewards.
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • $0 activation online - with no credit check!
  • No minimum balance.
  • Free Direct Deposit.
  • Access to over 22,000 free MoneyPass® ATMs *Withdrawals outside the MoneyPass® ATM network will be charged $2.50 plus any ATM owner fees.

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Expert Q&A

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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 improve your credit score. Most banks will report your payments to the consumer reporting agencies, which will help you improve 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 improve your 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 raise your score and will 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 best credit card applications for people with bad credit. If you wish to raise 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

Limited Credit History

If you have a limited credit history, but have not ruined your credit with late or missed payments, you may be eligible for more favorable lending terms. If you have no credit history or it is limited, you should also consider our offers for limited or no credit history. If your score is over 620**, then you should consider applying for a card on our page for fair credit. But if you don't qualify for any of these cards, then you probably have to get a secured credit card until your score improves.

68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.
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