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Cards For People With Bad Credit

Click Here! Apply Here
AccountNow™ Vantage Debit MasterCard®
  • 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
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
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
  • 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
Intro Balance Trans. APR
APR Annual Fee
None None 7.9%-19.90% $39-$79
Click Here! Apply Here
READYdebit® Card
  • 100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay!
  • Now with FREE Credit Builder!
  • 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.
  • FREE phone and online access to your card 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!
  • * Subject to I.D. Verification
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
Facecard Prepaid MasterCard®
  • 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.
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
Wired Plastic™ Prepaid Visa® Card
  • Accepted everywhere VISA is accepted
  • No Credit Check, Income requirements or bank account required
  • FREE Online Access to Account
  • FREE Mobile Alerts – Text to your mobile and email
  • FREE Bill Pay Service – Pay Anyone Online or Over the Phone
  • FREE Rewards Program – Earn 1 point for every $1 spent
  • NO Bounced Check, NSF or Overdraft Charges EVER!
  • FREE Direct Deposit – Eliminate check cashing fees
  • 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
Vision Premier® Visa® Prepaid Card
  • No credit check, no debt, no interest, no overdraft fees
  • Free unlimited purchases – signature and PIN
  • Free customer service
  • Free Direct Deposit: Get paychecks, benefits and tax refunds faster
  • Free PayFit Credit Builder – Pay bills and build credit for free
  • Free text and email alerts and online access to track spending
  • Safer than cash if lost or stolen
  • Accepted everywhere Visa Debit cards are accepted
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
AccountNow Prepaid Visa® Card
  • 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
Juniper MasterCard® Prepaid Card
  • Get approved with no credit check or bank account required.
  • Save money with no transaction fees on your purchases.
  • No monthly fee with Direct Deposit (Direct Deposit is FREE)
  • Access cash at millions of ATMs worldwide
  • Use anywhere MasterCard® Debit is accepted
  • Get access to exclusive discounts through the MasterCard Savings™ program
  • See details, terms, and application.
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
Prepaid Visa® RushCard
RushCard fees are simple and reasonable:
  • No annual, monthly, or customer service fees
  • One-time activation fee: $19.95(so you don’t have to pay monthly fees that can cost $60 a year or more)
  • Fee per purchase: $1.00 (capped at $10 per month—additional purchases are free)
  • ATM cash withdrawal fee: $1.95(anywhere in the US)
  • Inactivity fee: $2.95(no loads, purchases, or ATM activity within 60 days)
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None See App.
Click Here! Apply Here
Platinum Zero™ Secured Visa® Credit Card
  • ZERO - 0% FIXED APR on Purchases - No Intro Rates!
  • ZERO - 0% Rate Won’t Change - Even If You’re Late!
  • ZERO Application Fees
  • ZERO Worries - FREE Personal ID Theft Protection
  • ZERO Delays - Timely CREDIT Bureau Reporting
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
None None 0% See Terms
Click Here! Apply Here
New Millennium Bank Platinum Visa® or MasterCard®
  • Reports to ALL 3 Bureaus
  • No Credit Check
  • Be Approved Regardless of Credit History
  • Special High Introductory Savings Rate
  • Bonus $3,000 credit line with My Computer Club
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
None None 19.5 $59
Click Here! Apply Here
Public Savings Bank Secured Card
  • 0% APR on purchases for 6 months
  • No annual fee or monthly fees
  • Your income, employment and credit are not factors!
  • We report to all 3 major credit bureaus
  • Lifetime credit lines up to $10,000
  • 25 day grace period
  • Free fraud protection against unauthorized use
  • No penalty APR
  • Use the card everywhere you see the Visa/Mastercard logo
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
0% for 6 mo. None 11.24 None
Click Here! Apply Here
First Option Visa®
  • Get a REAL Visa® Credit Card!
  • Up to $5,000.00 Secured Line of Credit!!
  • Be Approved Regardless of Credit History or Income!!!
  • Guaranteed Approval!
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
None None 19.5% $59

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 |