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 credit cards for bad credit 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: 

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Bad/Poor Credit

Surge Mastercard® Credit Card

Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Bad/Poor Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Credit Needed

Bad/Poor

300
438
575
712
850+

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
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Apply Now
Fair/Bad Credit

First Access Visa® Credit Card

Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Fair/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Credit Needed

Fair/Bad

300
438
575
712
850+

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
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Apply Now
Bad Credit

Horizon Gold Credit Card

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

Bad

Credit Needed
300
438
575
712
850+
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
Apply Now
No Credit Check

Netspend® Visa® Prepaid Card

Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
Up-to $9.95 monthly*
Apply Now
No Credit Check
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
Up-to $9.95 monthly*
Credit Needed

No Credit Check

300
438
575
712
850+

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
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
Up-to $9.95 monthly*