Credit Card Guide
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Cards For People With Bad Credit

 

Need a credit card but cannot get approved because of bad credit or no credit history? Below are credit card offers from our partner banks and credit card companies for people with less than perfect credit.

You may be able to build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and keep account balances low relative to the credit limit. There may be fees associated with these credit cards and prepaid cards in addition to the annual fee. Prepaid cards are not credit cards. Please read the terms and conditions for the card offer when applying.

 
     

     
 
Capital One® Secured MasterCard®
Capital One® Secured MasterCard®

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
  • Get 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
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A24.9% (Variable)$0Bad Credit

OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card

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.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A17.50% (Variable)$29No Credit Check

Credit One Bank® Credit Card with Gas Rewards
Credit One Bank® Credit Card with Gas Rewards

Credit One Bank® Credit Card with Gas Rewards

 

  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A*
N/A*N/A*N/A*17.90% - 23.90% (Variable)*$35-$99Bad Credit

Credit One Bank® Platinum Card
Credit One Bank® Platinum Card

Credit One Bank® Platinum Card

 

  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
  • Earn 1% cash back on gas purchases and get more value with every gallon
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A*
N/A*N/A*N/A*17.90% - 23.90% (Variable)*$35-$99Bad Credit

Total VISA® Unsecured Credit Card
Total VISA® Unsecured Credit Card

Total VISA® Unsecured Credit Card

 

  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A29.99% (Fixed)$75.00 for the first year, $48 annually after thatFair/Bad Credit

First Progress Platinum Prestige MasterCard® Secured Credit Card
First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card

 

  • 24/7 Online Access to Your Account
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A11.99% (Variable)$44Bad Credit

USAA Secured Card® Platinum MasterCard®
USAA Secured Card® Platinum MasterCard®

USAA Secured Card® Platinum MasterCard®

 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A9.90%-19.90% (Variable)$35Bad Credit

USAA Secured Card® American Express® Card
USAA Secured Card® American Express® Card

USAA Secured Card® American Express® Card

 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A9.90%-19.90% (Variable)$35Bad Credit

UNITY® Visa Secured Credit Card - The Comeback Card™
UNITY® Visa Secured Credit Card - The Comeback Card™

UNITY® Visa Secured Credit Card - The Comeback Card™

 

  • A secured credit card designed to help rebuild your credit
  • Reports to all 3 major credit bureaus
  • Low, fixed (Not variable) interest rate of 17.99%
  • Your security deposit can get you Min. $250/Max. $10,000 credit limit
  • Manage your account online
  • No application fee or penalty rate
  • Credit line secured by fully-refundable FDIC insured deposit submitted with application
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A9.95%6 months17.99% (Fixed)$39Bad Credit

 
     



 
 
 
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