Cards for Bad Credit
Even if you have a bad credit history or limited credit history, there are cards available to consumers in your circumstances. Below you will find our most popular credit, debit, and secured card offers for people with bad credit:
Secured Chime Credit Builder Visa® Credit Card
Secured Chime Credit Builder Visa® Credit Card
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Poor/Bad Credit
- In order to be eligible, you must first open a Chime® Checking account and receive a qualifying direct deposit of $200 or more.
- The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
- No credit check to apply, no annual fees, and no minimum security deposit1
- Chime is a financial technology company, not a bank. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
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Poor/Bad Credit
Poor / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
N/A
N/A
Annual Fee
$0
Walmart MoneyCard®
Walmart MoneyCard®
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Excellent/Good/Fair/Bad Credit
- Get a $25 bonus when you direct deposit your federal or state tax refund to your WalMart MoneyCard account and receive a qualifying new direct deposit of $500+ by 6/30/23.*
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
*Please see site for full terms and conditions.
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Excellent/Good/Fair/Bad Credit
Excellent / Good / Fair / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
$0
Merit Platinum Card
Merit Platinum Card
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Fair Credit
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- No Employment or Credit Check
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Fair Credit
Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
0%
fixed
Annual Fee
See website for Details*
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
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Limited/Good/Excellent Credit
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.24% - 31.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
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Limited/Good/Excellent Credit
Limited / Good / Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
17.24% - 31.24%
Variable
Annual Fee
$0
Loans Under 36 - Personal Loan
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes