Credit Card Applications
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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com 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. AcclaimVisa.com does not offer, review or present all available credit offers.

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.
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • All credit types welcome to apply!
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results are provided online!
  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you´re Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.

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 Credit HistoryAnnual Fee Activation Fee Apply / Details
Bad
See TermsSee Terms
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC466. Expires: 6/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Bad/Fair
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
Poor
$0 - $99See terms
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included
Fair/Bad
See TermsSee Terms
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won´t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Checking account required
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
Bad / No
*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.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Best Prepaid Cards with NO Credit Check:

Prepaid Card Name Activation FeeGuaranteed ApprovalCredit CheckBuild Credit Apply / Details
$0Upon successful ID VerificationNoNo
  • Now order up to 3 cards with different designs; 1,000s to choose from.
  • Deposit your paycheck directly onto your card.
  • Not a credit card.
  • Free Android & iOS app download to manage your account.
  • Access to 24,000 MoneyPass in-network ATMs.
  • Use everywhere Visa debit cards are accepted.
  • No cost to apply and no minimum balance.
  • Share funds between eligible cards.
  • Load checks right from your smartphone.
$0Upon successful ID VerificationNoNo
  • Now order up to 3 cards with different designs; 1,000s to choose from.
  • Deposit your paycheck directly onto your card.
  • Not a credit card.
  • Free Android & iOS app download to manage your account.
  • Access to 24,000 MoneyPass in-network ATMs.
  • Use everywhere Visa debit cards are accepted.
  • No cost to apply and no minimum balance.
  • Share funds between eligible cards.
  • Load checks right from your smartphone.
$0Upon successful ID VerificationNoNo
  • Now order up to 3 cards with different designs; 1,000s to choose from.
  • Deposit your paycheck directly onto your card.
  • Not a credit card.
  • Free Android & iOS app download to manage your account.
  • Access to 24,000 MoneyPass in-network ATMs.
  • Use everywhere Visa debit cards are accepted.
  • No cost to apply and no minimum balance.
  • Share funds between eligible cards.
  • Load checks right from your smartphone.

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Expert Q&A

Q:I am full-time employee. I am at poor credit rank <600. My monthly [...]

Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lend[...]

FreeScore360.com

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

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 goes up.

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AcclaimVisa.com.
All Rights Reserved

AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com 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. AcclaimVisa.com 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. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com 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 acclaimvisa.com website are property of their respective owners.