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

Total VISA® Credit Card

Apply Now
Bad/Fair Credit
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 Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus

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

Surge Mastercard® Credit Card

Apply Now
Bad/Poor Credit
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 Access Visa® Credit Card

First Access Visa® Credit Card

First Access Visa® Credit Card

Apply Now
Fair/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Fair/Bad 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
  • Easy and secure online application
  • If approved, pay a Program 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Fair/Bad

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

Horizon Gold Credit Card

Apply Now
Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
N/A*
Annual fee
$24.95 benefits plan membership will be auto-debited monthly
Apply Now
Bad Credit

Benefits & Key features

  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK

Bad

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
N/A*
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly