Advertiser Disclosure

Credit Cards For Bad Credit

Even if you have a bad credit history or limited credit history, there’s no reason to give up hope of regaining control of your credit future. There are credit cards available even to consumers in your circumstances. A credit card is one tool that can help you build your credit history. Ultimately, only you can turn your credit problems around, and each person’s credit situation is different. But always making on-time payments on all of your obligations and keeping your balances low relative to your credit limits are two of the most important things you can do to positively affect your credit profile. We’ve compiled a list of top bad credit credit cards for those with less than perfect credit, and you are eligible to apply for any of these offers. Below you will find our most popular credit card offers for people with bad credit: 

Total VISA® Credit Card

Total VISA® Credit Card
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Bad/Fair Credit

Benefits & Key features

  • 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
  • No-Fee credit line increase opportunities!  

Bad/Fair

Credit Needed
300
680
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*

Surge Mastercard® Credit Card

Surge Mastercard® Credit Card
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Bad/Poor Credit

Benefits & Key features

  • 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

Bad/Poor

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*

First PREMIER® Bank Mastercard® Credit Card

First PREMIER® Bank Mastercard® Credit Card
  • Checking Account Required
  • We may approve those currently building their credit history
  • All credit types welcome to apply!
  • Looking for a second chance at a credit card? We may approve you when others will not.
  • The First PREMIER Bank Mastercard is a good addition to your credit options.
  • The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis.
  • Good credit not required
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
Apply Now
Bad/Fair Credit

Bad/Fair

Credit Needed
300
680
Intro APR
(Purchases)
N/A*
Intro APR
(Balance Transfer)
N/A*
Regular APR
See Website*
Annual Fee
See Website*

First PREMIER® Bank Gold Credit Card

First PREMIER® Bank Gold Credit Card
  • Checking Account Required.
  • Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • We may approve those currently building their credit history.
  • Looking for a second chance at a credit card? We may approve you when others will not.
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
Apply Now
Bad Credit

Bad

Credit Needed
300
620
Intro APR
(Purchases)
N/A*
Intro APR
(Balance Transfer)
N/A*
Regular APR
See Website*
Annual Fee
See Website*

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Credit One Bank® Unsecured Visa® with Cash Back Rewards
Intro APR for Balance Transfer
N/A
Regular APR
17.49% - 25.49%
Variable
Annual fee
$0 - $99
Apply Now
Bad Credit

Benefits & Key features

  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll notify you as soon as you're eligible for a higher credit line. A fee may apply.
  • 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.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Make payments, see recent transactions, and update your account preferences all from the palm of your hand with the Credit One Bank mobile app
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank's card gallery. A fee may apply.

Bad

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
17.49% - 25.49%
Variable
Annual Fee
$0 - $99