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
- 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
Bad/Fair Credit Needed
Credit One Bank® Platinum Visa® for Rebuilding Credit
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
20.24% - 26.24%
Variable
Annual
Fee
$0 - $99
View Details
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
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
- 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
Bad Credit Needed
Capital One® Secured Mastercard®
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
26.99%
(Variable)
Annual
Fee
$0
View Details
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, 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
Benefits & KEY FEATURES
Limited/Bad
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Indigo® Platinum Mastercard® Credit Card
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
23.90%
fixed
Annual
Fee
$0 - $99
View Details
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
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
23.90% fixed
Annual Fee
$0 - $99
