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CREDIT CARDS FOR PEOPLE WITH BAD CREDIT OR NO CREDIT HISTORY

0% intro APR

Need a credit card but cannot get approved because of bad credit or no credit history? It is now possible to get a card regardless of your credit history. Below are cards from banks and credit card companies who offer them to people with less than perfect credit.

There are fees associated with these cards in addition to the annual fee. Please read the terms and conditions for each card when applying.

Click Here! Apply Here
Orchard Bank Classic MasterCard®
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 14.9% See App.
Click Here! Apply Here
First PREMIER Bank Gold MasterCard®
Know if you are approved within 60 seconds
  • Low APR on purchases
  • Reports monthly to 4 major credit bureaus
  • A credit card for those with less that perfect credit
  • Quality customer service
  • Use wherever MasterCard® cards are accepted
  • Join over 3 million cardholders
  • 24-hour account access by phone
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 9.9% See App.
Click Here! Apply Here
AccountNow® Prepaid Visa® Card
The Bank Account You Carry in Your Pocket
  • Instant Guaranteed Approval* – no credit check, no security deposit
  • $0 ACTIVATION FEE – when you load your card by direct deposit
  • Free Direct Deposit – no more check cashing fees
  • Free Online Check Writing – no need for expensive money orders
  • Free Credit Builder* – bill pay transactions are reported to PRBC®
  • No Overdraft Fees – no minimum balance required
  • Reloadable - $10,000 balance limit
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
Bank Freedom Prepaid MasterCard®
A Card for EveryoneSM
  • $0 ACTIVATION FEE – no conditions
  • $0 monthly fee with Direct Deposit* - see site for details
  • Compare our low fees and save money
  • 100% Guaranteed Approval* - No credit check
  • Free unlimited purchase transactions
  • Free customer service – compare and save money
  • Free Direct Deposit - No more check cashing fees
  • Free card account alerts - email and/or SMS text messages
  • No late fees, no interest fees, no NSF fees
  • Pay any bill from card account: rent, phone, utilities, etc
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See site
Click Here! Apply Here
AccountNow® Prepaid MasterCard®
The Bank Account You Carry in Your Pocket
  • Instant Guaranteed Approval* – no credit check, no security deposit
  • $0 ACTIVATION FEE – when you load your card by direct deposit
  • Free Direct Deposit – no more check cashing fees
  • Free Online Check Writing – no need for expensive money orders
  • Free Credit Builder* – bill pay transactions are reported to PRBC®
  • No Overdraft Fees – no minimum balance required
  • Reloadable - $10,000 balance limit
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
First PREMIER Bank MasterCard®/Visa®
  • Low APR on purchases
  • Reports monthly to 4 major credit bureaus
  • A credit card for those with less that perfect credit
  • Quality customer service
  • Use wherever MasterCard®/Visa® cards are accepted
  • Join over 3 million cardholders
  • Access to online credit education
  • 24 hour account access by phone
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 9.9% See App.
Click Here! Apply Here
Centennial® MasterCard® / Visa®
Find out if you are approved – instantly
  • Low APR on purchases
  • Reports monthly to 4 major credit bureaus
  • A credit card for those with less that perfect credit
  • Access to online credit education
  • Quality customer service
  • Use wherever MasterCard®/Visa® cards are accepted
  • Join over 3 million cardholders
  • 24 hour account access by phone
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 9.9% See App.
Click Here! Apply Here
Centennial® Gold MasterCard®/Visa®
Credit decision in seconds
  • Low APR on purchases
  • Reports monthly to 4 major credit bureaus
  • A credit card for those with less that perfect credit
  • Quality customer service
  • Use wherever MasterCard®/Visa® cards are accepted
  • Over 3 million credit card holders
  • 24 hour account access by phone
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 9.9%* See App.
Click Here! Apply Here
Wired Plastic™ Prepaid Visa® Card
Prepaid Visa with Rewards
  • Accepted worldwide anywhere Visa debit cards are accepted
  • No bounced check, NSF and overdraft charges
  • Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • Bill Pay Service - pay anyone online or over the phone, even if they don't accept credit cards
  • Free direct deposit or add cash instantly at over 100,000 retail locations nationwide
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
AventiumSM Gold MasterCard®
A credit card for those with less than perfect credit!
  • No reason to wait – apply now
  • Low APR on purchases
  • Reports monthly to 4 major credit bureaus
  • Quality customer service
  • Join over 3 million cardholders
  • 24 hour account access by phone
  • Use wherever MasterCard® cards are accepted
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 9.9% See App.
Click Here! Apply Here
Platinum Plus
Get a $7500 Platinum Credit Line regardless of credit history
  • The USA Platinum Plus Shopping Card Program is a buying club membership, which includes a $7500 merchandise credit card
  • Your approval is *guaranteed when qualifications are met
  • You can be approved even if you have no credit or bad credit
  • No employment verifications
  • No credit checks
  • No income requirements
  • No interest charges
  • The credit line is reported to a major Credit Bureau
  • Upon request, credit limits increases are available to those that qualify
  • The cost of membership is $149.95
*See website for terms and conditions
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None N/A

Credit Cards for People with Bad Credit or No Credit History

Even if you have bad credit, or no credit history at all, there are still many credit card offers to choose from. Having credit cards not only gives you convenient access to cash and credit, it can also help you build a credit history and re-establish good credit.

There are two main types of bad credit cards. Unsecured credit cards for people with bad or no credit history function like a standard credit card, except the credit line will be lower and the fees higher. Secured credit cards are cards backed by a deposit you make into a bank account, which serves as security for the card.

When you compare credit cards, keep in mind that the best credit card offers require a good credit rating, so you may start with a low credit limit, more stringent terms, and higher fees. But rest assured, as long as you make your payments on time, your credit limit and the terms will steadily improve over time.

We also offer credit cards in these credit rating categories: good credit and fair credit.

| Best Credit Card Offers With Online Applications | 0% APR Balance Transfer | Cash Back Cards |
| Low Interest Cards | Airline Miles & Travel Reward Credit Cards | Business Credit Cards |
| Gas Rebate Credit Cards | Car Rebate Credit Cards | Instant Approval Cards |
| Establish Credit, Credit Cards | Student Credit Cards | Prepaid Cards |