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: 

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®
Intro APR for Balance Transfer
N/A
Regular APR
24.99%
Variable
Annual fee
$0
Apply Now
Limited/Bad Credit

Benefits & Key features

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Limited/Bad Credit

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
24.99%
Variable
Annual Fee
$0

Fingerhut Credit Account issued by WebBank

Fingerhut Credit Account issued by WebBank
Intro APR for Balance Transfer
N/A
Regular APR
See Issuer Website
Annual fee
$0
Apply Now
Fair/Bad Credit

Benefits & Key features

  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card

Fair/Bad Credit

Credit Needed
300
680
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Issuer Website
Annual Fee
$0

The First Access VISA® Credit Card

The First Access 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

  • 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
  • You may be eligible for a Credit Line Increase after six months
  • 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
  • Issued by The Bank of Missouri

Bad/Fair Credit

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

Horizon Gold Credit Card

Horizon Gold Credit Card
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$24.95
Monthly
Apply Now
Bad Credit

Benefits & Key features

  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau

Bad Credit

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
$24.95
Monthly

Netspend® Visa® Prepaid Card

Netspend® Visa® Prepaid Card
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$9.95
monthly*
Apply Now
No Credit Check

Benefits & Key features

  • With Netspend Direct Deposit, you can get paid faster than a paper check
  • No late fees or interest charges because this is not a credit card.
  • Use the Netspend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Get your tax refund direct deposited to your account and no more waiting in line to cash your check!
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.

No Credit Check

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
$9.95
monthly*