Bad Credit - Credit Cards

Discovering that you have poor credit can be extremely frustrating, as it can lead to several financial difficulties. However, rather than giving up, it’s time to start looking for credit cards designed specifically for individuals with bad credit. These credit cards are available from various issuers and include both secured and unsecured options. If you’re struggling with bad credit and want to improve your financial situation, check out our list of credit cards for bad credit to find the offer best suited for you.

☆   Card Spotlight
Today’s Featured Card

Experian CreditMatch™

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

  • Rating

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    See Issuer Website

  • Annual Fee

    See Terms

  • Updated For

    Mon 18 Nov 2024

  • Full Details

    Card Page

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

GO2bank

Get your pay up to 2 days early - Get your government benefits up to 4 days early.*

  • Card Brand

    Visa®

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    No monthly fees with eligible direct deposit, otherwise $5 per month

  • Regular Purchase APR

    n/a

  • Rewards

    Earn up to 7% cash back when you buy eGift Cards in the app

  • Full Details

    Card Page

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

  • Card Brand

    Visa®

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):

To apply for Credit Builder, you must have an active Chime® Checking Account.

  • Credit Builder is a secured credit card
  • No credit check to apply
  • No annual fees
  • No minimum security deposit*
  • Limit risk of overspending

 

Eligibility Requirements

  • 1. “Apply” for the Credit Builder Card
  • 2. Chime Checking Account required to apply

 

Build Credit History

  • Help increase your credit scores/FICO® Score by an average of 30 points¹
  • Build credit history
  • A better way to build credit
  • Meet Credit Builder, a brand new way to build credit
  • Using Credit Builder can build your credit history
  • Start building credit history with money you’ve set aside

 

Safer Credit Building

  • Turn on Safer Credit Building* to automatically pay your balance in full each month
  • Your balance will be automatically paid on time², every month

 

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.

secured Self Visa® Credit Card

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Credit Recommended

    No Credit, New to Credit, Limited Credit, Bad, Poor

  • Annual Fee

    $25

  • Regular Purchase APR

    28.74% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

  • The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
  • Use your card anywhere Visa® is accepted in the US.
  • A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
  • Get help staying on track with Autopay and account alerts.
  • Manage your account 24/7 online, by phone, or in our mobile app.

PREMIER Bankcard® Grey Credit Card

Pre-qualify with no impact to your credit score

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Provider Website

  • Regular Purchase APR

    See Provider Website

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Pre-qualify with no impact to your credit score
  • Helping people build credit is our first priority – start your credit-building journey today.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
  • Award-winning, U.S.-based customer service

Destiny® Mastercard® with Instant Credit

Instant: Once approved, add your card to your mobile wallet and shop today.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Poor to Good

  • Annual Fee

    See terms

  • Regular Purchase APR

    See terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
  • Get the Destiny® Mastercard® in your mobile wallet today.
  • Apply today and shop today!
  • Instant: Once approved, add your card to your mobile wallet and shop today.
  • Easy: We’ll help you add your card to your mobile wallet for instant access.
  • Convenient: Use in-store, online or in-app to shop today.
  • Get started now so you can shop today! – Shop today with Apple Pay® or Google Pay ™
  • Start shopping today in-store, online or in-app using your mobile wallet.
  • Shop today! Don’t wait!
  • Start shopping right away.
  • Get started now so you can shop today!
  • Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
  • Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
  • Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
  • Start shopping today with Destiny Mastercard, apply now!

Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0% interest

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.

With Ava, you can expect:

  • No hidden fees
  • 0% interest
  • Instant account set up with no credit check
  • $0.00 deposit/collateral required

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard®

  • Credit Recommended

    Bad/Poor/Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    35.9%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

MAGNUM – Credit Builder Account

No credit history needed; no hard check required

  • Card Brand

    Other

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Get up to a +86 average* FICO® Score increase on autopilot
  • Largest credit builder in the nation
  • Build from $2,000 up to $30,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

PREMIER Bankcard® Mastercard® Credit Card

Pre-qualify with no impact to your credit score

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.

Destiny Mastercard®

Less than perfect credit is okay, even with a prior bankruptcy!

  • Card Brand

    MasterCard®

  • Credit Recommended

    Poor to Good

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!

Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Other

  • Credit Recommended

    Damaged credit to Fair credit

  • Annual Fee

    See Terms

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

*See Card for Details

PREMIER Bankcard® Gold Credit Card

Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • Award-winning, U.S.-based customer service
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