Bad Credit CREDIT CARDS

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There’s nothing more frustrating than learning that you have bad credit, as this can bring a number of financial challenges into your life. Rather than give up, it’s time to begin your search for credit cards for bad credit. There are secured and unsecured offers to choose from, both of which are available through a variety of credit card issuers. If you have bad credit and need to make a change for the better, search through our list of credit cards for bad credit.

☆   Card Spotlight
Today’s Featured Card

PREMIER Bankcard® Mastercard® Credit Card

Just complete the short application and find out in 60 seconds if you’re approved.

Rating

  

Regular Purchase APR

See Provider Website

Credit Recommended

Fair/Poor

Annual Fee

See Provider Website

Updated For

Tue 27 Sep 2022

Full Details

Card Page

Zebit – Buy Now & Pay Over Time

Get up $2,500 of credit. No FICO score needed!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Poor to Good

Regular Purchase APR n/a

Full Details Card Page

Highlights

  • Get a Max of $2500 in Credit to Shop Zebit!
  • No Hidden Fees. No FICO® Pulled. No Gotchas!
  • Buy Now and Pay Over Time for over 90,000 name brand products.
  • Shop thousands of name brands including Apple, Whirlpool, Gucci, Cuisinart, Samsung, Xbox, Playstation, and more!

Additional Info

  • Regular APR: N/A
  • Credit Line: Get a max of $2,500
  • Monthly Fee: $0
  • Credit Recommended: Poor to Good

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR n/a
Annual Fee 0.00
Credit Recommended Poor to Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

PREMIER Bankcard® Grey Credit Card

Just complete the short application and find out in 60 seconds if you’re approved.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Provider Website

Credit Recommended Fair/Poor

Regular Purchase APR See Provider Website

Full Details Card Page

Highlights

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.

PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Provider Website
Annual Fee See Provider Website
Credit Recommended Fair/Poor
Cash Advance APR See Provider Website
Cash Advance Fee See Provider Website
Cash Grace Period n/a
Late Payment Fee See Provider Website
Overlimit Fee n/a
Return Check Fee See Provider Website
Foreign Transaction Fee See Provider Website
Balance Transfer Fee n/a

CARD SPOTLIGHT

Chime® Debit Card

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00%

Credit Recommended Fair/Bad/Limited/No Credit

Regular Purchase APR 0.00%

Full Details Card Page

Highlights

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:

  • A Chime Visa® debit card
  • A Checking Account
  • Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across checking and saving that align with our members’ interests. They use us because of features like:

  • Fee-free overdraft through SpotMe*: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200* on debit card purchases without charging a fee.
  • No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
  • Get your paycheck earlyˆ: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
  • Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

Additional Info

  • No monthly fees˜: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements
  • Grow your savings automatically with our Savings Account
  • Manage everything from your phone
  • Send money with Pay Friends to other Chime members
  • Turn on real-time transaction notifications to get push notifications after every purchase and daily balance alerts every morning
  • Turn your card on/off instantly in-app
  • Move money between your other bank accounts
  • Over 60,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance
  • Apple Pay™ / Google Pay™ for when you forget your wallet
  • Information security is a top priority
  • EMV chip card security
  • Friendly and responsive customer support
  • 1.5% APY¹ on your Savings Account. That’s 11x2 the national average!

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of August 25th, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

2 The average national savings account interest rate of 0.13% is determined by FDIC as of August 15, 2022 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit National Rates and Rate Caps to learn more.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee 0.00%
Credit Recommended Fair/Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Merrick Bank Double Your Line® Mastercard®

Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0-$72

Credit Recommended See website for Details*

Regular Purchase APR 21.70% to 30.70% *Variable

Full Details Card Page

Highlights

  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. AS you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Additional Info

  • Regular APR: 21.70% to 30.70% *Variable
  • Annual Fee: $0-$72
  • Cash Advance APR: 26.70% to 35.70% *Variable
  • Cash Advance Fee: 4%, Min: $10
  • Late Payment Fee: Up to $40
  • Return Payment Fee: Up to $40
  • Foreign Trans Fee: See Terms*
  • Card Brand: Mastercard®
  • Credit Recommended: See website for Details*
  • Intro (Purchases): N/A
  • Intro (Balance Transfers): N/A
  • Intro Transfer APR: N/A
  • Intro Transfer APR Period: N/A
  • Balance Transfer: N/A
  • Balance Transfer Fee: N/A

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 21.70% to 30.70% *Variable
Annual Fee $0-$72
Credit Recommended See website for Details*
Cash Advance APR 26.70% to 35.70% *Variable
Cash Advance Fee 4%, Min: $10
Cash Grace Period n/a
Late Payment Fee Up to $40
Overlimit Fee n/a
Return Check Fee Up to $40
Foreign Transaction Fee See Terms*
Balance Transfer Fee n/a

Indigo® Mastercard® Credit Card

Unsecured credit card, no security deposit required

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0 - $99

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Full Details Card Page

Highlights

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.

Additional Info

  • Regular APR: 24.9%
  • Annual Fee: $0 – $99
  • Credit Recommended: Fair/Good
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Intro (Purchases): N/A
  • Intro (Balance Transfers): N/A

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Destiny Mastercard®

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

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms

Credit Recommended Poor to Good

Regular Purchase APR 24.9%

Full Details Card Page

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus

Additional Info

  • Regular APR: 24.9%
  • Annual Fee: $59-$99
  • Credit Recommended: Poor to Good

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee See Terms
Credit Recommended Poor to Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Full Details Card Page

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Additional Info

Specifications

Intro (Purchases) See Terms*
Intro (Transfers) n/a
Regular APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Cash Advance APR See Terms*
Cash Advance Fee See Terms*
Cash Grace Period See Terms*
Late Payment Fee See Terms*
Overlimit Fee
Return Check Fee See Terms*
Foreign Transaction Fee See Terms*
Balance Transfer Fee See Terms*

GO2bank

Overdraft protection up to $200 with opt-in and eligible direct deposit*

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended All Credit Types Considered

Regular Purchase APR n/a

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

*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.

Additional Info

  • Activation Fee: $0
  • Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
  • Direct Deposit Fee: $0
  • ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
  • Credit Recommended: All Credit Types Considered
  • Reports to Consumer Reporting Agencies: See more on Go2bank site
  • Number of Bureaus: 3

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR n/a
Annual Fee $0.00
Credit Recommended All Credit Types Considered
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $35 - $99

Credit Recommended Poor/Bad

Regular Purchase APR 24.9%

Full Details Card Page

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.

* Dependent on credit worthiness

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $35 - $99
Credit Recommended Poor/Bad
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Fair/Bad/Limited/No Credit

Regular Purchase APR 22.24% - 31.74% Variable

Full Details Card Page

Highlights

  • $0 Annual Fee
  • Variable APRs range from 22.24% – 31.74%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

Additional Info

  • Regular APR: 22.24% – 31.74% Variable
  • Credit Recommended: Fair/Bad/Limited/No Credit
  • Credit Limit: $300 – $5,000
  • Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment.
  • Return Payment Fee: Bounced payment fee up to $29.
  • Annual Fee: $0
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Intro (Purchases): N/A
  • Intro (Balance Transfers): N/A
  • Intro Transfer APR: N/A
  • Intro Transfer APR Period: N/A
  • Checking Account Required: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 22.24% - 31.74% Variable
Annual Fee 0.00
Credit Recommended Fair/Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Late fees up to $29 for first late payment, $40 for second late payment
Overlimit Fee n/a
Return Check Fee Bounced payment fee up to $29
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Net First Platinum

$750.00 Line of Credit*

Intro Purchase APR 0.00%

Intro Balance Transfer APR N/A

Annual Fee See website for Details*

Credit Recommended Damaged credit to Fair credit

Regular Purchase APR 0.00%

Full Details Card Page

Highlights

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

*See Card for Details

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

Additional Info

  • Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
  • Monthly Fee : See website for Details*
  • Regular APR : 0% APR
  • Credit Recommended : Damaged credit to Fair credit

Specifications

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended Damaged credit to Fair credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

There are Many Types of Credit Cards

As you begin your search for a credit card, you could easily slip into the camp that believes “one offer is as good as the next.” Nothing could be further from the truth, and that’ll never change. It’s nice to know that there are many types of credit cards. Not only does this increase the...

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Can a Secured Card Help You Rebuild Your Credit?

It is becoming increasingly difficult to go through life without at least one credit card.  However, for those with a bad credit history, getting approved for a regular credit card can be next to impossible. For those who are ready to shed the yoke of bad credit or bankruptcy, a secured card could be the...

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Bad Credit

Most people who have bad credit are well aware of their situation. As frustrating as it may be, there’s a bright side: there’s plenty of room for improvement.

If you have bad credit and find yourself in need of a credit card, there are both unsecured and secured offers to consider. Best yet, responsible use of a credit card in the future will help boost your score.

Note: if you have bad credit, search through our comprehensive list of offers for consumers in your position.

How to Boost Your Bad Credit Score

Just because you have bad credit now doesn’t mean you’ll have bad credit for the rest of your life. There are a few simple steps you can take to boost your credit score in the months to come:

1. Make Note of Your Past Mistakes

Why do you have bad credit? Once you understand the mistakes you’ve made in the past, you can avoid going down the same path in the future. For example, if you defaulted on several loans in the past, create a budget that will help you prevent a similar situation in the future. You won’t know how to improve on your past mistakes until you identify them. This is job number one!

2. Review Your Credit Report for Errors

Don’t assume that the information on your credit report is accurate. It’s possible that there’s at least one error on your credit report that’s pulling down your score.

If you come across an error, contact the appropriate credit bureau to file a dispute. It’s often a time consuming process, but fixing the error can do wonders for your credit score.

3. Create a Budget

It’s critical to know how much money you earn each month, as well as how much you spend. This is where a detailed budget comes into play. At the very least, you need to earn enough money to cover your expenses. If you don’t, you’ll quickly slip behind on your obligations, which will harm your credit score.

Tip: you can create your budget with nothing more than a pen and paper. Of course, if you’re more technologically advanced, there are apps and software programs to assist you.

4. Don’t Stop Using Credit

It’s natural to stop using credit if you have bad credit. You assume that this will keep you out of trouble, and you may be right. However, you should still use credit when possible, as this actually helps boost your
score. Don’t bite off more than you can chew, but get into the habit of using your credit card and paying the balance in full each month. You can also raise your score by paying on installment loans.

5. Remain Patient

You want to put your bad credit in the past as soon as possible, but it’s likely to take several months or longer to make real progress. Don’t get frustrated if your score isn’t rising as quickly as you would like. If you stay the course, you’ll like where you end up.

Final Thoughts

Don’t let bad credit affect your finances for the rest of your life. When you follow the steps above, it won’t be long before your credit score begins to move in the right direction.

Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

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