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: 

First PREMIER® Bank Mastercard® Credit Card

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Bad/Fair Credit

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  • 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)
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
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Bad/Fair Credit Needed

Bad/Fair Credit

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
300
680

Intro APR Purchase

N/A*

Intro APR for Balance Transfer

N/A*

Regular APR

See Website*

Annual Fee

See Website*

Indigo® Platinum Mastercard® Credit Card

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Fair/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

24.90%

fixed

Annual
Fee

$0 - $99

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Fair/Good Credit Needed

Benefits & KEY FEATURES

    • Easy pre-qualification process with fast response
    • All credit histories considered
    • Online servicing available 24/7 at no additional cost
    • Unsecured credit card, no security deposit required
    • Account history is reported to the three major credit bureaus in the U.S.

Benefits & KEY FEATURES

Fair/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
620
720

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

24.90% fixed

Annual Fee

$0 - $99

Credit One Bank® Platinum Visa® for Rebuilding Credit

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Poor Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

20.24% - 26.24%

Variable

Annual
Fee

$0 - $99

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Poor Credit Needed

Benefits & KEY FEATURES

    • See if you Pre-Qualify without harming your credit score
    • Track your progress with free online access to your Experian credit score, terms apply
    • Looking to rebuild credit? We report to the major credit bureaus monthly
    • Accounts are automatically reviewed for credit line increase opportunities
    • Make paying your bill easier with the ability to choose your payment due date, terms apply
    • Stay in-the-know with customizable account alerts via email and text
    • Receive 1% cash back rewards on eligible purchases, terms apply
    • Enjoy peace of mind with $0 Fraud Liability

Benefits & KEY FEATURES

Poor

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
300
620

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

20.24% - 26.24% Variable

Annual Fee

$0 - $99

First PREMIER® Bank Gold Credit Card

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Bad Credit

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  • 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)
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
Apply Now

Bad Credit Needed

Bad Credit

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
300
620

Intro APR Purchase

N/A*

Intro APR for Balance Transfer

N/A*

Regular APR

See Website*

Annual Fee

See Website*

Capital One® Secured Mastercard®

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Limited/Bad Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

26.99%

(Variable)

Annual
Fee

$0

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Limited/Bad Credit Needed

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
    • 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

Benefits & KEY FEATURES

Limited/Bad

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
300
620

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

26.99% (Variable)

Annual Fee

$0

Related Offers:

  • Unsecured personal loans up to $100,000
  • Rates starting as low as 3.99% APR
  • Good, Bad and No Credit Welcome
  • Get Cash in as little as 24 hours
  • Loans for any purpose and no collateral required
  • No impact on your credit score to check your rates!

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