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:
Netspend® Visa® Prepaid Card
Netspend® Visa® Prepaid Card
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No Credit Check
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
Up-to $9.95 monthly*
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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
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
Up-to $9.95 monthly*
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
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Bad/Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
20.95% - 29.20%
Variable
Annual fee
$0-$70
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Bad/Fair Credit
Benefits & Key features
- See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
- Credit Line Range $550 - $1,250, Doubling to $1,100 - $2,500.
- Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
- Get your updated FICO® Score each month.
- $0 Fraud Liability protects you from unauthorized charges.
- Online and mobile Account Access.
- No Penalty Rates or Over Limit Fee
Bad/Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
20.95% - 29.20%
Variable
Annual Fee
$0-$70
Merrick Bank Secured Visa® from Merrick Bank
Merrick Bank Secured Visa® from Merrick Bank
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Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
18.95%
Variable
Annual fee
$36 for first year. Billed $3 per month thereafter
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Bad Credit
Benefits & Key features
- Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
- Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
- Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
- Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
- Easy funding options – several convenient options to easily fund your security deposit.
- Worldwide acceptance - use it anywhere Visa is accepted.
- Quick, easy application - apply online today!
Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
18.95%
Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card
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Fair/Good Credit
Intro APR for Balance Transfer
N/A
Regular APR
24.90%
fixed
Annual fee
$0 - $99
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Fair/Good Credit
Benefits & Key features
- Easy pre-qualification process with fast response
- Less than perfect credit is okay
- 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.
Fair/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
24.90%
fixed
Annual Fee
$0 - $99
Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
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Poor Credit
Intro APR for Balance Transfer
N/A
Regular APR
19.49% - 25.49%
Variable
Annual fee
$0 - $99
Apply Now
Poor Credit
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
Poor
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
19.49% - 25.49%
Variable
Annual Fee
$0 - $99
Monevo - Personal Loans from $1,000 - $100,000
Benefits & Key features
- Network of lenders offering loan amounts $1,000 - $100,000
- Rates starting as low as 3.99% APR
- Solutions available for all credit scores
- Funds available as soon as the next business day
- No impact on your credit score to check your rates!
Benefits & Key features
- Network of lenders offering loan amounts $1,000 - $100,000
- Rates starting as low as 3.99% APR
- Solutions available for all credit scores
- Funds available as soon as the next business day
- No impact on your credit score to check your rates!