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.

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, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • 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
24.9% (Variable)
Annual Fee
$0
 



 OpenSky® Secured Visa® Credit Card 
 

  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes
  • Extra credit when you need it, increase your credit line up to $5000 in your first year*
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
17.50% (Variable)
Annual Fee
$29
 



 Western Union® NetSpend® Prepaid MasterCard® 
 

  • Get paychecks and your tax refund fast with direct deposit!
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click \'Apply Now\' for full details and to learn more.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 Brink's Money Prepaid MasterCard® 
 

  • Trust Brink's with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don't have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the PayBack Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You're A Little Short.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
Variable Monthly Fees
 



 Horizon Gold Credit Card 
 

  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A*
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly
 



 Find out instantly if you're pre-approved with Fingerhut Credit. 
 

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • Find out instantly if you're pre-approved with Fingerhut Credit.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
24.90%
Annual Fee
$0
 



 AccountNow® Prepaid Visa® Card 
 

  • 100% Approval* (subject to I.D. Verification)
  • $0 monthly fee†
  • No minimum balance
  • No credit check∞. No risk of overdraft fee.
  • Free† direct deposit and online bill payment
  • Use it everywhere Visa debit card accepted
  • Easy online/mobile account access
  • Perfect for occasional usage
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 AccountNow® Prepaid MasterCard® 
 

  • $0 monthly fee†
  • No credit check∞ or ChexSystems check
  • Instant account number
  • Free† direct deposit — paycheck, benefit checks, tax refund checks
  • Easy 24/7 online account access
  • Earn Refer-a-Friend cash bonus
  • Use it everywhere Mastercard Debit card accepted
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
up to $9.95 monthly fee
 



 AccountNow® Gold Visa® Prepaid Card 
 

  • Get paid up to 2 days faster with free direct deposit ▼
  • Get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Approval* - upon successful ID verification. No credit check∞. No ChexSystems check. No existing bank account required.
  • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
  • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
up to $9.95 monthly fee
 



 READYdebit® Visa Prepaid Card 
 

  • Instant account number - a great card for your money.
  • Free† direct deposit — paycheck, benefit checks, tax refund checks
  • Easy online bill payment & mobile account access
  • No purchase transaction fees
  • No risk of overdraft fees or balance minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Use it everywhere visa debit cards are accepted
  • Choose your card color - blue or pink
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$9.95 monthly fee
 



 NetSpend® Visa® Prepaid Card 
 

  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$9.95 monthly fee
 



 Applied Bank® Visa® Business Credit Card  
 

  • Turn Your Hobby or Interest into a Business
  • Bad Credit? No Problem! Easy Approval. Complete Your Application in Less Than 60 Seconds.
  • Separate Your Business Expenses for Tax Purposes
  • Perfect for Sole Proprietors and Entrepreneurs
  • No Security Deposit Required
  • Just Starting Your Business? Let Us Help You Grow!
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
23.99%
Annual Fee
See Terms*
 



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Rating: 4.3/5 (7 votes cast)
Bad Credit Credit Cards, 4.3 out of 5 based on 7 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.