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CREDIT CARDS FOR PEOPLE WITH BAD CREDIT
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Need a credit card but cannot get approved because of bad credit or no credit history? It may be possible to get a credit card regardless of your credit history. Below are cards from banks and credit card companies for people with less than perfect credit.
The following credit cards may be able to help build, rebuild, or re-establish your credit if you make on time payments with all of your creditors and maintain your account balances below the credit limits.
There are fees associated with these credit cards and prepaid cards in addition to the annual fee. Please read the terms and conditions for each card when applying.
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Applied Bank® Secured Visa® Credit Card
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- 9.99% low fixed APR - rate won't change even if you're late
- Choose your credit limit up to $5,000*
- $0 fraud liability
- No credit requirements
- No income requirements
- Accepted worldwide at millions of locations
- Credit bureau reporting
*Minimum $200 deposit required - your credit limit will be equal to the amount of your deposit |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
9.99% |
$50 |
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First PREMIER® Bank Gold MasterCard®/Visa®
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| A Credit Card for Those with Less than Perfect Credit |
- Low APR on purchases
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard or Visa logo
- Over 3 million credit cardholders
- Apply today for a MasterCard/Visa
- Enjoy the benefit of 24-hour phone account access
- All applications welcome
- All credit types welcome to apply
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First PREMIER® Bank MasterCard®/Visa®
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| A Credit Card for Those with Less than Perfect Credit |
- Low APR on purchases
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard or Visa logo
- Over 3 million credit cardholders
- Apply today for a MasterCard/Visa
- Enjoy the benefit of 24-hour phone account access
- All applications welcome
- All credit types welcome to apply
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Centennial® MasterCard®/Visa®
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| A Credit Card for Those with Less than Perfect Credit |
- Low APR on purchases
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard or Visa logo
- Over 3 million credit cardholders
- Apply today for a MasterCard/Visa
- Enjoy the benefit of 24-hour phone account access
- All applications welcome
- All credit types welcome to apply
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Centennial® Gold MasterCard®/Visa®
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| A Credit Card for Those with Less than Perfect Credit |
- Low APR on purchases
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard or Visa logo
- Over 3 million credit cardholders
- Apply today for a MasterCard/Visa
- Enjoy the benefit of 24-hour phone account access
- All applications welcome
- All credit types welcome to apply
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Aventium® Gold MasterCard®
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| A credit card for those with less than perfect credit! |
- Low APR on purchases
- Reports monthly to 4 major credit bureaus
- Quality customer service
- Accepted where you see the MasterCard or Visa logo
- Over 3 million credit cardholders
- Apply today for a MasterCard/Visa
- Enjoy the benefit of 24-hour phone account access
- All applications welcome
- All credit types welcome to apply
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Public Savings Bank Secured Card
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- 0% APR on purchases for 6 months
- Your income, employment and credit are not factors!
- We report to all 3 major credit bureaus
- Credit limits up to $100,000
- 25 day grace period
- Use the card everywhere you see the visa/mastercard logo
- No annual fee
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| Intro Purchase APR |
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APR |
Annual Fee |
| 0% for 6 mo. |
None |
11.24 |
None |
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| Intro Purchase APR |
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APR |
Annual Fee |
| None |
None |
19.5 |
$59 |
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Vision PremierSM Prepaid Visa® Card
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- $0 activation fee – with direct deposit*
- $0 weekly fee – with direct deposit
- Guaranteed approval* with no credit check
- Free unlimited purchase transactions
- Free direct deposit – no more check cashing fees
- Free account alerts – email and/or SMS text messages
- Pay any bill: rent, cellular phone, insurance, utilities, etc.
- Load cash at over 100,000 participating retail locations
- Take Control - no late fees, no interest, no NSF fees
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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READYdebit™ Card
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- 100% Approval guaranteed – No Chexsystems or credit checks, bankruptcy okay
- Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – ever
- Pay nothing now – No deposits or prepayments required to get your card
- Free direct deposit – stop paying to cash your paycheck
- Now with free credit builder
- Free phone and online access to your account
- No declined transaction fees
- Great loading options – free direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations
- Safer than cash - all deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection
- Cheaper than credit – no late fees, no over limit fees, no interest charges – ever
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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Facecard prepaid MasterCard®
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- No activation or monthly fees
- Instant and convenient access to funds (no checks)-anyone can go to the website to set up a one time or recurring gift
- Friend-to-friend paybacks as easy as going to the website via internet or mobile phone
- Ability to use anywhere MasterCard debit cards are accepted, including ATMs
- Use it to give a gift or get a gift-no more wasted gift cards
- Safe and easy way to have funds when studying and traveling abroad
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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SilverCard Prepaid MasterCard®
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- 100% guaranteed approval*/no credit check
- No overdraft fees or minimum balances
- Perfect card for government/benefits checks recipients
- $0 activation with rebate*
- Free direct deposit of your pay or government check
- Free unlimited purchase transactions anywhere where MasterCard debit card is accepted
- Online checking - electronic or paper checks
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See Appl. |
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AccountNow Prepaid Visa® Card
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- 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
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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Green Dot Prepaid MasterCard®
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- No credit check, ever
- The most popular prepaid in America
- Save $5 today when you order online
- Easy reload using Green Dot MoneyPaks
- Available at over 50,000 retailers including Walgreens, CVS, Rite-Aid
- Extra bonuses with Direct Deposit
- No bounced check fees or outrageous interest charges
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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Wired Plastic™ Prepaid Visa® Card
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| Prepaid Visa with Rewards |
- 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
- Free credit builder with overdraft protection
- 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
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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Prepaid ARC Travel MasterCard
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- 100% guaranteed approval with no credit check - perfect for bad credit or no credit
- No hidden fees: no monthly or annual maintenance fees*
- Multiple load options: PayPal, direct deposit, online banking, Western Union, Money Gram, and more
- Free travel benefits: Lost or damaged luggage coverage, Travel Services Medical Assistance, MasterTrip Worldwide Travel Assistance, and MasterLegal Referral Service
- Free balance and activity alerts via your email and text messaging
- With PayPass, you can simply tap and go - no need to hand the card to the cashier
- Multiple cards available - get cards for up to 4 people per account
- Reloadable, up to $9500 balance
- Accepted worldwide at over 25 million retail locations - wherever debit MasterCard is accepted, as well as at over 1 million ATMs
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
None |
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AccountNow™ Vantage Debit MasterCard®
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- Build your credit with the new iAdvance loan optionSM
- 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
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
See App. |
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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.
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Entertainment
— Automobile
— Retail &
Canadian Cards
U.K. Credit Cards
Australian Cards
Belgium Cards