Bad Credit CREDIT CARDSThere’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.
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Good/Fair/Bad Credit
Annual FeeSee Terms*
Mon 18 Oct 2021
Fast and easy application; response provided in seconds
Intro Purchase APR See website for Details*
Intro Balance Transfer APR See website for Details*
Annual Fee $75 1st year, $48 after
Credit Recommended See website for Details*
Regular Purchase APR 34.99%
Full Details Card Page
| Intro (Purchases) | See website for Details* |
|---|---|
| Intro (Transfers) | See website for Details* |
| Regular APR | 34.99% |
| Annual Fee | $75 1st year, $48 after |
| Credit Recommended | See website for Details* |
| 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 Trans Fee | n/a |
| Balance Transfer Fee | See website for Details* |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $75/$99
Credit Recommended Bad/Fair
Regular Purchase APR 23.99% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 23.99% Variable |
| Annual Fee | $75 - $99 |
| Credit Recommended | Bad/Fair |
| Cash Advance APR | 23.99% Variable |
| Cash Advance Fee | $5.00/8%, whichever is greater (see terms) |
| Cash Grace Period | 0 days for cash advances |
| Late Payment Fee | Up to $39 (terms apply) |
| Overlimit Fee | N/A |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | N/A |
See if you are pre-approved within minutes, without affecting your credit score
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0-$72
Credit Recommended See website for Details*
Regular Purchase APR 19.45% to 28.45% *Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.45% to 28.45% *Variable |
| Annual Fee | $0-$72 |
| Credit Recommended | See website for Details* |
| Cash Advance APR | 24.95% to 33.45% 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 Trans Fee | See Terms* |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $39
Credit Recommended Bad/Fair/Good
Regular Purchase APR 23.99% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 23.99% Variable |
| Annual Fee | $39 |
| Credit Recommended | Bad/Fair/Good |
| Cash Advance APR | 23.99% Variable |
| Cash Advance Fee | $5/8%, whichever is greater (see terms) |
| Cash Grace Period | 0 days for Cash Advances |
| Late Payment Fee | Up to $39 (terms apply) |
| Overlimit Fee | N/A |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | N/A |
$500-$5,000 credit limits
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 19.99 - 29.49% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.99 - 29.49% 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Fast and Easy Application and Approval Process!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee *See Terms
Credit Recommended Poor Credit, Bad Credit
Regular Purchase APR *See Terms
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | *See Terms |
| Annual Fee | *See Terms |
| Credit Recommended | Poor Credit, Bad Credit |
| Cash Advance APR | *See Terms |
| Cash Advance Fee | *See Terms |
| Cash Grace Period | n/a |
| Late Payment Fee | *See Terms |
| Overlimit Fee | n/a |
| Return Check Fee | *See Terms |
| Foreign Trans Fee | *See Terms |
| Balance Transfer Fee | n/a |
Fill out an application and know in 60 seconds if you’re approved!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
Regular Purchase APR See Issuer Website
Full Details Card Page
*Build credit by keeping your balance low and paying all your bills on time every month.
*Build credit by keeping your balance low and paying all your bills on time every month.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Issuer Website |
| Annual Fee | See Issuer Website |
| Credit Recommended | Fair/Poor |
| Cash Advance APR | See Issuer Website |
| Cash Advance Fee | See Issuer Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Issuer Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Issuer Website |
| Foreign Trans Fee | See Issuer Website |
| Balance Transfer Fee | n/a |
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
| 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 | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Regular Purchase APR 24.99% - 29.99% APR
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 25.90% - 29.99% APR |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Instant decision on your application
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $59.00
Credit Recommended Fair
Regular Purchase APR 29.99% (Variable)
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 29.99% (Variable) |
| Annual Fee | $59.00 |
| Credit Recommended | Fair |
| Cash Advance APR | 29.99% (Variable) |
| Cash Advance Fee | The greater of $10 or 3% of each cash advance |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $35 |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | If the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the transaction, regardless of whether a currency conversion is performed at the time of the transaction. |
| Balance Transfer Fee | n/a |
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Regular Purchase APR 24.99% - 29.99% APR
Full Details Card Page
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.99% - 29.99% APR |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad |
| Cash Advance APR | See Terms* |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
All the benefits of a Mastercard, without a security deposit
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $59-$99
Credit Recommended Poor to Good
Regular Purchase APR 24.9%
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $59-$99 |
| 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Get a result in as little as 60 seconds upon completion of the online application.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $75.00 for first year. After that, $48.00 annually.
Credit Recommended Bad/Poor/Limited
Regular Purchase APR 35.99%
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 35.99% |
| Annual Fee | $75.00 for first year. After that, $48.00 annually. |
| Credit Recommended | Bad/Poor/Limited |
| Cash Advance APR | See website for Details* |
| Cash Advance Fee | Either $10, or 3% of the amount of the Cash Advance, whichever is greater. |
| Cash Grace Period | See website for Details* |
| Late Payment Fee | $40.00 |
| Overlimit Fee | n/a |
| Return Check Fee | $40.00 |
| Foreign Trans Fee | See website for Details* |
| Balance Transfer Fee | See website for Details* |
Fast and easy application process; response provided in seconds
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Fair/Bad Credit
Regular Purchase APR See Terms*
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Fair/Bad 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Instant Approval / $750 Credit Line!
Intro Purchase APR 0.00%
Intro Balance Transfer APR N/A
Annual Fee See website for Details*
Credit Recommended Fair to Damaged
Regular Purchase APR 0.00%
Full Details Card Page
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 could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Terms & Conditions 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 could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Terms & Conditions for Details
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Fair to Damaged |
| 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Fill out an application and know in 60 seconds if you’re approved!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
Regular Purchase APR See Issuer Website
Full Details Card Page
*Build credit by keeping your balance low and paying all your bills on time every month.
*Build credit by keeping your balance low and paying all your bills on time every month.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Issuer Website |
| Annual Fee | See Issuer Website |
| Credit Recommended | Fair/Poor |
| Cash Advance APR | See Issuer Website |
| Cash Advance Fee | See Issuer Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Issuer Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Issuer Website |
| Foreign Trans Fee | See Issuer Website |
| 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
* Dependent on credit worthiness
* Dependent on credit worthiness
| 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
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.
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:
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!
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.
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.
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.
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.
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).
