Bad Credit Credit Cards


Bad credit can get better. It may be hard to get a great credit card right now, but there are bad credit credit cards that can help you get back on track and rebuild your credit history. The reality is that there are credit cards for bad credit that don’t charge a lot of fees. We have researched the bad credit offers available online and put together a list of the Top cards for bad credit. These cards include traditional credit cards as well as prepaid debit cards. The traditional bad credit cards such as Orchard Bank are the cards that can help you rebuild your credit.

Many sub-prime lenders went out of business, but the card issuers with the best products are still around. If you want to rebuild your credit, you need to show that you can manage your credit responsibly. One way of doing this is to get a credit card and make on-time monthly payments. Please review our Top 5 Bad Credit Credit Cards list and select the card that is right for you.

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Credit Cards for Bad Credit

  First National Bank Secured Visa® Card  
 

  • Your stepping stone to credit that can grow with you.
  • You provide an upfront deposit – from $300 to $5,000 – and that sets your credit limit, subject to our credit approval.
  • How you use your card will reflect on your credit rating with the three major credit bureaus.
  • There is no charge for receiving your FICO® 8 Bankcard Score.
  • You could qualify for additional unsecured credit — without sending an additional deposit — in as few as 6 months.
  • As soon as 15 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
  • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
   
  Intro Purchase APR
N/A
Intro Balance Trans. APR
N/A
APR
20.99%*
Annual Fee
$29
 

 Capital One® Secured MasterCard® 
 

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
24.99% (Variable)
Annual Fee
$0
 



 Credit One® Platinum Credit Card 
 

  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • 1% cash back on gas & groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
 



 Credit One Bank® Cash Back Rewards 
 

  • See if you Pre-Qualify without harming your credit score.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking
  • And, you could receive credit line increase opportunities.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
 



 Credit One Bank® Platinum Visa® Credit Card 
 

  • This is a fully unsecured credit card with no deposit requirement.
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
 



 Horizon Gold Card 
 

  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
  
 Intro Purchase APR
0.00% for N/A*
Intro Balance Trans. APR
N/A*
APR
0% (Fixed)
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly
 



 Emporium Black Card 
 

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 Indigo® Platinum MasterCard® 
 

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
23.90% (Fixed)
Annual Fee
$0 - $99
 



 Milestone® Gold MasterCard® 
 

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
23.90% (Fixed)
Annual Fee
$35-$99 (varies by credit level)
 



 Credit One Bank® NASCAR® Credit Card 
 

  • Earn 1% cash back on gas and automotive purchases (terms apply) and double cash back on NASCAR.com purchases.
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time.
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
16.65%-23.90% (Variable)
Annual Fee
$0 - $99
 



 Milestone® MasterCard® 
 

  • Card designs to fit your personality at no extra charge
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Our application is quick and easy with instant pre-qualification available
  • Protection from fraud, if your card happens to be lost or stolen
  • Unsecured credit card, no deposit required
  • Pre-qualifying today will not affect your credit score
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
23.90% (Fixed)
Annual Fee
$35-$99 (varies by credit level)
 



 Indigo® MasterCard® 
 

  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
23.90% (Fixed)
Annual Fee
$0 - $99
 



 Fingerhut Credit Account 
 

  • Shop over 630,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC787
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
See Issuer Website
Annual Fee
$0
 



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Rating: 4.4/5 (8 votes cast)
Bad Credit Credit Cards, 4.4 out of 5 based on 8 ratings

Credit Cards for People with Bad Credit

Having bad credit is nothing that can’t be corrected. Like anything else in life it just takes a little work. One of the first steps you need to take is to create a budget. After you have created a budget you should apply for a credit card. The key is paying your bills on time and living within your means which is where the budget comes in. Most credit cards for bad credit will start you off with a small credit line. As you start paying your bills on time, they will review you later on for credit line increases. The important thing is that when you do pay your bill on time, it gets reported to the three major credit bureaus. As time goes by and more positive activity gets posted to your credit reports, your credit score will begin to increase. The higher your credit score, the better the credit card offers you will have access to. In the meantime, there are still several great options that can help you rebuild your credit to get to that point. Orchard Bank is one of the leading credit card issuers that focus on issuing credit cards to people with bad credit. Their annual fees and interest rates are reasonable versus their peers in the industry.

Different Types of Credit Cards for Bad Credit

When you have bad credit you have three choices when it comes to credit cards. You can apply for an unsecured, secured, or prepaid card. An unsecured card which is by far the most popular choice, provides you with a small credit line. These cards typically have an annual fee, but because the card is unsecured, you won’t have to put up cash as a deposit. A secured card is a credit card that has you put up a deposit to secure against the credit line that they will provide you. If you deposit $1,000, the credit line is typically $1,000. If you fail to make your payments, the bank will end up taking your deposit. This type of card typically has an annual fee as well. A prepaid credit card has you deposit money and every time you use the card, money is deducted from your account. It operates very similar to that of a traditional debit card. There generally is fees associated with every withdrawal and transaction. Be sure to read the terms of those types of cards. Unsecured and secured cards report to the 3 major credit bureaus. There are prepaid offers that will report, but you have to make sure that is a feature that is offered.

Choosing the Best Bad Credit Credit Card

When choosing the credit card for you, be sure to have a clear picture of the type of card you are looking for. Unsecured, secured, and prepaid cards are available, but are not made the same. See our “Different Types of Credit Cards for Bad Credit” for more details. When we formed our rankings we took the following into account. First we looked at if the product had the potential to build your credit history. Second we looked at the fees associated with the cards. If they were higher than their peers, they didn’t make the cut. Finally we looked at interest rates. There are plenty of cards available that are designed for people with bad credit that don’t have abnormally high interest rates. Anything less than 24.9% is reasonable in today’s environment. Based on all of these features, we formed our Top 5 listing.