Reviews
" " The offers on the credit card landscape are constantly changing which is great news for consumers.

Trusted & Secure
trust icon

Empowering over
50,000,000 card holders Since 2005

Credit Cards for Poor Credit

  • Even with poor credit, you can still get a credit card.
  • These cards are ideal if you are looking to build or rebuild your credit or if you’re starting from a low credit score.
  • Read our independent ratings and reviews and apply with our secure online application process

See offers from our partners below.

Capital One Platinum Secured Credit Card
 

Rated 4/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4/5.0 from 1 Offer Ratings
Over the Past 60 Days!

Apply Now

on Capital One's secure site

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Indigo® Mastercard®
 

Rated 3/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Genesis FS Card Services's secure site

  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®
  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®

Highlights

  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Indigo® Mastercard®

Destiny Mastercard®
 

Rated 2.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Genesis FS Card Services's secure site

  • Easy Pre-qualification Prequalify for a card today and it will not impact your credit score
  • Regular Purchase APR 24.9%
  • Build Credit Reports to all three major credit bureaus
  • Annual Fee $59-$99
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®
  • Easy Pre-qualification Prequalify for a card today and it will not impact your credit score
  • Regular Purchase APR 24.9%
  • Build Credit Reports to all three major credit bureaus
  • Annual Fee $59-$99
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Reports to all three major credit bureaus

See additional details for Destiny Mastercard®

Milestone Mastercard®
 

Rated 3/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Genesis FS Card Services's secure site

  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Regular Purchase APR 24.9%
  • Annual Fee $35-$99, depending on creditworthiness*
  • Credit Needed Fair/Poor
  • Card Brand Mastercard®
  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Regular Purchase APR 24.9%
  • Annual Fee $35-$99, depending on creditworthiness*
  • Credit Needed Fair/Poor
  • Card Brand Mastercard®

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S

See additional details for Milestone Mastercard®

Total VISA® Credit Card
 

Rated 2/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Bank of Missouri's secure site

  • Same Day Approval Get a Response in Seconds
  • Build Your Credit Reports to all Three Major Credit Bureaus
  • Regular Purchase APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair/Poor
  • Card Brand Visa®
  • Same Day Approval Get a Response in Seconds
  • Build Your Credit Reports to all Three Major Credit Bureaus
  • Regular Purchase APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair/Poor
  • Card Brand Visa®

Highlights

  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus

See additional details for Total VISA® Credit Card

OppLoans
 

Rated 0/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

0/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on 's secure site

  • Loan Term 36 months
  • Fast loan processing You can get access to your funds as soon as the business day after approval.
  • Loan Amount Range $500-$4,000
  • Annual Fee N/A
  • Credit Needed Poor
  • Card Brand
  • Loan Term 36 months
  • Fast loan processing You can get access to your funds as soon as the business day after approval.
  • Loan Amount Range $500-$4,000
  • Annual Fee N/A
  • Credit Needed Poor
  • Card Brand

Highlights

  • Terms: 36 months
  • APR range: 99.00%-199.00% APR
  • Loan amounts: $500-$4,000
  • Time to funding: You can get access to your funds as soon as the business day after approval.
  • Origination fee: Varies
  • Prepayment fee: None

See additional details for OppLoans

Applied Bank® Unsecured Classic Visa® Card
 

Rated 2/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Applied Bank's secure site

  • Build Credit Reports to All Three Major Credit Bureaus
  • Increase Your Credit Line Access Additional Credit with On-Time Payments and Responsible Usage
  • Easy Application Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Annual Fee *See Terms
  • Credit Needed Poor/Limited
  • Card Brand Visa®
  • Build Credit Reports to All Three Major Credit Bureaus
  • Increase Your Credit Line Access Additional Credit with On-Time Payments and Responsible Usage
  • Easy Application Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Annual Fee *See Terms
  • Credit Needed Poor/Limited
  • Card Brand Visa®

Highlights

  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
First Access VISA® Credit Card
 

Rated 3/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Bank of Missouri's secure site

  • Get Approved Fast Quick and Easy Secure Online Application
  • VISA Access Enjoy VISA benefits and acceptance
  • Ongoing Purchase APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair/Poor
  • Card Brand Visa®
  • Get Approved Fast Quick and Easy Secure Online Application
  • VISA Access Enjoy VISA benefits and acceptance
  • Ongoing Purchase APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair/Poor
  • Card Brand Visa®

Highlights

  • Checking Account Required
  • 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
  • Get a result in as little as 60 seconds upon completion of the online application
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Online Customer Center available 24 x 7
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

See additional details for First Access VISA® Credit Card

Surge® Secured Mastercard®
 

Rated 0/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

Apply Now

on Celtic Bank's secure site

  • Rewards Rate 1% Cash Back rewards on every purchase
  • Credit Line $300
  • Regular APR 19.99% Variable
  • Annual Fee $69
  • Credit Needed Poor
  • Card Brand Mastercard®
  • Rewards Rate 1% Cash Back rewards on every purchase
  • Credit Line $300
  • Regular APR 19.99% Variable
  • Annual Fee $69
  • Credit Needed Poor
  • Card Brand Mastercard®

Highlights

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

See additional details for Surge® Secured Mastercard®

Mission Lane Visa® Credit Card
 

Rated 0/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

0/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Mission Lane's secure site

  • Strengthen Your Credit Free, online credit score access for cardholders.
  • Regular APR 26.99 - 29.99% (Variable)
  • Credit Line Increase Get a higher credit line if you're in good standing after making your first 6 payments on time.
  • Annual Fee $59
  • Credit Needed Fair
  • Card Brand Visa®
  • Strengthen Your Credit Free, online credit score access for cardholders.
  • Regular APR 26.99 - 29.99% (Variable)
  • Credit Line Increase Get a higher credit line if you're in good standing after making your first 6 payments on time.
  • Annual Fee $59
  • Credit Needed Fair
  • Card Brand Visa®

Highlights

  • See if you qualify instantly without harming your credit score.
  • Get a higher credit line if you're in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.

See additional details for Mission Lane Visa® Credit Card

Merrick Bank Secured Credit Card
 

Rated 3.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3.5/5.0 from 1 Offer Ratings
Over the Past 60 Days!

Apply Now

on Merrick Bank's secure site

  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for the first year. Billed $3 per month thereafter.
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for the first year. Billed $3 per month thereafter.
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

See additional details for Merrick Bank Secured Credit Card

Credit One Bank® Platinum Visa® for Rebuilding Credit
 

Rated 0/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

0/5.0 from 0 Offer Ratings
Over the Past 60 Days!

Apply Now

on Credit One Bank's secure site

Rates & Fees
  • Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
  • Purchase APR 26.99% Variable
  • Build Credit This unsecured card requires no deposit and can help build your credit
  • Annual Fee $75/$99
  • Credit Needed Fair/Poor
  • Card Brand Visa®
  • Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
  • Purchase APR 26.99% Variable
  • Build Credit This unsecured card requires no deposit and can help build your credit
  • Annual Fee $75/$99
  • Credit Needed Fair/Poor
  • Card Brand Visa®

Highlights

  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Free Online Credit Score and Credit Report summary, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
First Progress Platinum Prestige Mastercard® Secured Credit Card
 

Rated 4/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4/5.0 from 1 Offer Ratings
Over the Past 60 Days!

Apply Now

on First Progress's secure site

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 13.74% (V)
  • Annual Fee $49
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 13.74% (V)
  • Annual Fee $49
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Cards for Bad Credit History

So called “bad credit” credit cards are especially designed credit cards for people with bad credit, low credit, or no credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with  limited scrutiny of your finances, debts, and poor credit history.

Some bad credit credit cards require that the cardholder make a payment deposit into their card account which is then used as collateral or security against any charges to the card. This is a standard prepayment process, and you basically set your own credit limit based on how much money you keep in your account. But there are even some that require no security deposit or prepayment – although these cards usually make money from cardholders by charging high interest rates and fees due to the reduced creditworthiness of the cardholder.

For most people, the best credit card for bad credit will be one that charges reasonable fees in exchange for helpful features like online bill paying and financial management tools. Study the menu of fees to see how much you can expect to pay for using the card in the way to which you are accustomed. Another key fact area to consider will be whether or not the credit card company reports to the major credit bureaus on a regular basis. This type of regular reporting is the major building block toward credit report. After taking these aspects into consideration, pick a card that suits you and use it to build up your poor credit score by making on-time payments with all creditors and keeping account balances low relative to the credit limit. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

Compare Cards
Add a Card +
Back to top ↑