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 All credit types welcome to apply! Monthly reporting to the three major credit bureaus Initial Credit Limit of $400.00!* (subject to available credit)

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

OpenSky® Secured Visa® Credit Card No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone. The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200. Build credit quickly. OpenSky reports to all 3 major credit bureaus.

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
Surge Mastercard®	24.99% – 29.99%	$75 - $99	See Terms*	Yes	All credit types welcome to apply! Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements) Monthly reporting to the three major credit bureaus See if you’re Pre-Qualified without impacting your credit score Fast and easy application process; results in seconds Free online account access 24/7 Checking Account Required see details
First Access The Purrrfect Visa® Credit Card	See Terms*	See Terms*	See Terms*	Yes	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 Easy and secure online application $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 Select your favorite card design from our gallery, for free! Online Customer Center available 24 x 7 Issued by The Bank of Missouri see details
Group One Freedom Card	0.00%	See terms	See terms	Yes	Bad Credit, Low Score? No Problem! Build your Credit with responsible handling of your account Receive a $500 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) Reports monthly to all three major credit bureaus Select your favorite card design from our gallery, for free! see details
Fit Mastercard® Credit Card	See Terms*	See Terms*	N/A	Yes	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 that Mastercard® is accepted Free online account access 24/7 Checking Account Required see details
First Progress Platinum Select Mastercard® Secured Credit Card	13.99% (V)	$39	N/A	No	Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today 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 Full-Feature Platinum Mastercard® Secured Credit Card 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. Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file 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) Reports monthly to all three major credit bureaus Select your favorite card design from our gallery, for free! 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) Reports monthly to all three major credit bureaus Select your favorite card design from our gallery, for free! 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

Best Prepaid Cards with NO Credit Check:

Prepaid Card Name	Activation Fee	Guaranteed Approval	Credit Check	Build Credit	Apply / Details
Unlimited Cash Back Bank Account by Green Dot	See terms	No	No	No	Unlimited by Green Dot Bank. Banking. Saving. Simple. 2% interest (APY) on your savings + 2% cash back on online and mobile purchases. Visit GreenDot.com for terms and conditions. 2% Annual Percentage Yield as of 6/2/2020, on savings up to $10K, may change anytime. 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