Credit Cards For Bad Credit

First Access Visa® Solid Black Credit Card 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

Fit Mastercard® Credit Card $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time) All credit types welcome to apply Monthly reporting to the three major credit bureaus

Surge Mastercard® Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time) All credit types welcome to apply! Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)

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	Ongoing APR (for purchases)	Annual Fee	Application Processing Fee	Instant Response	Apply / Details
Group One Freedom Card	0.00%	See terms	See terms	Yes	Bad Credit, Low Score? No Problem! Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS! Build your Credit with responsible handling of your account Receive a $750 Credit Line Easy Application with Immediate Results No Credit Check see details
Total Visa® Unsecured Credit Card	See Terms	See Terms	See Terms	Yes	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 $300 credit limit (subject to available credit). Multiple card designs available Reports monthly to all three major credit bureaus see details
Fit Mastercard® Credit Card	See Terms*	See Terms*	N/A	Yes	$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time) All credit types welcome to apply Monthly reporting to the three major credit bureaus Initial Credit Limit of $400.00* (Subject to available credit) Fast and easy application process; results in seconds Use your card at locations everywhere Mastercard® is accepted Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements) Checking Account Required see details
First Progress Platinum Select Mastercard® Secured Credit Card	13.99% (V)	$39	N/A	No	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; No credit inquiry required! Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users! 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 $200 -- $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 ** See Card Terms. Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined. see details
Total Visa® Unsecured Credit Card	See Terms	See Terms	See Terms	Yes	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 $300 credit limit (subject to available credit). Multiple card designs available Reports monthly to all three major credit bureaus see details
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit	24.9%	$35 - $99*	See Terms*	No	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
Total Visa® Unsecured Credit Card	See Terms	See Terms	See Terms	Yes	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 $300 credit limit (subject to available credit). Multiple card designs available Reports monthly to all three major credit bureaus see details
Indigo® Mastercard® for Less than Perfect Credit	24.9%	$0 - $99	See terms	No	Pre-qualify for a card today and it will not impact your credit score Less than perfect credit is okay 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

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