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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 history if you make on time minimum 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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Orchard Bank Classic MasterCard
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- 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
- On-call customer service representatives to assist you with questions or concerns
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. |
| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
7.9%-19.90% |
$39-$79 |
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Applied Bank® Secured Visa® Gold 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 at 27 million locations worldwide and online
- Credit bureau reporting
- *Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
9.99% |
$50 |
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First PREMIER® Bank Gold Credit Card
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- Low fixed APR
- Your account history reports monthly to the major Consumer Reporting Agencies
- Use your card everywhere MasterCard®/Visa® are accepted (subject to available credit)
- This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.
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First PREMIER® Bank Credit Card
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- Apply for a Visa® or MasterCard® card with a low fixed APR
- After 6 months, request a credit limit increase
- First PREMIER Bank reports monthly to the major Consumer Reporting Agencies
- The application process is quick and simple
- Access your account by phone 24 hours a day
- This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.
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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 |
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None |
None |
9.99% |
$50 |
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Centennial® Credit Card
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- We offer a very attractive fixed APR
- Your account history reports monthly to the major Consumer Reporting Agencies
- 24-hour account access by phone
- Apply for a nationally recognized credit card
- The application process is safe, secure and fast
- This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.
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Centennial® Gold Credit Card
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- Know your application response in 60 seconds
- Enjoy a low, fixed APR
- Reports monthly to the major Consumer Reporting Agencies
- Access your account 24 hours a day by phone
- This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.
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Aventium® Credit Card
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- An attractive fixed APR
- Reports monthly to the major Consumer Reporting Agencies
- Access your account by phone any time, day or night
- There is no universal default on your Aventium card
- This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.
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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 |
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0% for 6 mo. |
None |
11.24 |
None |
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
19.5 |
$59 |
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Platinum Zero™ Secured Visa® Credit Card
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- ZERO - 0% FIXED APR on Purchases - No Intro Rates!
- ZERO - 0% Rate Won’t Change - Even If You’re Late!
- ZERO Turn Downs - Guaranteed Approval*
- ZERO Credit and Income Requirements
- ZERO Application Fees
- ZERO Hassles - Just Choose Your Credit Limit Up To $5,000*
- ZERO Worries - FREE Personal ID Theft Protection
- ZERO Delays - Timely CREDIT Bureau Reporting!
- Requires identity and residence verification and minimum deposit amount of $500 up to $5,000.
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
0% |
See Terms |
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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 |
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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 |
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None |
None |
None |
See App. |
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Facecard Prepaid MasterCard®
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- Instant Guaranteed Approval* – no credit check, no security deposit
- Free Direct Deposit – easy access to your funds
- Free Online Bill pay - no more mailing costly money orders.
- Free Money Transfers to other Facecard members - no more spending money on wire transfers.
- Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
- Receive Prewards, which are like coupons, put directly on your card.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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Upside Visa® Prepaid Card
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- The power of a bank account in a Visa Prepaid card
- Much cheaper than other prepaid cards. Compare and save!
- No activation fee. $0 monthly fee if $300 or more is loaded each month. Only $1.99 otherwise.
- Free Direct Deposit from your employer.
- Deposit cash at 60,000 locations nationwide.
- No credit check required. Bad credit is ok.
- Write personal checks, best to pay rent or other bills.
- Accepted like any Visa debit card in the US, abroad and online.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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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 |
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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 |
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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 |
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None |
None |
None |
See App. |
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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 |
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None |
None |
None |
See App. |
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Perkstreet Checking Account
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- Awesome perks - 1% cash back, free music or coffee.
- Sign up today and get a $50 bonus.
- Largest national surcharge-free ATM network.
- $0 minimum balance requirement. Apply in 5 minutes.
- Free checks, online banking and billpay.
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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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