blank Bad Credit CREDIT CARDS

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.

Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • Initial Credit Limit of $300 – $750* (subject to available credit)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
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

Indigo® Platinum Mastercard® Credit Card

Unsecured credit card, no security deposit required

Card BrandMasterCard®

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Annual Fee $0 - $99

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.

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 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

Surge Mastercard® Credit Card

See if you’re Pre-Qualified without impacting your credit score

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

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!

  • Initial Credit Limit of $300 – $750* (subject to available credit)
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
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

Destiny Mastercard®

Get access to the credit you need, no deposit required

Card BrandMasterCard®

Credit Recommended Poor to Good

Regular Purchase APR 24.9%

Annual Fee $59-$99

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

Specifications

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

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • 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 TransUnion* (When you sign up for e-statements)
  • Checking Account Required

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 Trans Fee See Terms*
Balance Transfer Fee See Terms*

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process!

Card BrandVisa

Credit Recommended Poor Credit, Bad Credit

Regular Purchase APR *See Terms

Annual Fee *See Terms

Highlights

  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

Specifications

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 n/a
Foreign Trans Fee *See Terms
Balance Transfer Fee n/a

Net First Platinum

Instant Approval / $500 Credit Line!

Card BrandOther

Credit Recommended Fair to Damaged

Regular Purchase APR 0.00%

Annual Fee See website for Details*

Highlights

  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

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 $500 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

Additional Info

Credit Line : $500 Limit
Regular APR : 0% APR
Monthly Fee : See website for Details*
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 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

Card BrandVisa

Credit Recommended Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus

Specifications

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

5KFunds

All Credit Types Accepted

Card BrandOther

Credit Recommended Limited/Bad/Fair/Good Credit

Regular Purchase APR 5.99% - 35.99%

Annual Fee n/a

Highlights

Quick Cash You Can Use To Pay Off All Of Those Nagging Debts!

How would you like to have $500 – $35,000 in your pocket? 5kfunds can help you get the funds you need. You don’t even have to leave your home. We have extensive partnerships with large authorized lenders waiting to lend you the funds you need.

  • Loan amounts of $500 – $35,000
  • APR starting at 5.99%
  • Quick decisions – Conveniently Online
  • Secure and Hassle Free Process
  • Safe, Secure, & trusted form

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 5.99% - 35.99%
Annual Fee n/a
Credit Recommended Limited/Bad/Fair/Good 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 Trans Fee n/a
Balance Transfer Fee n/a

First Digital Mastercard®

Get a result in as little as 60 seconds upon completion of the online application.

Card BrandMasterCard®

Credit Recommended Bad/Poor/Limited

Regular Purchase APR 35.99%

Annual Fee $75.00 for first year. After that, $48.00 annually.

Highlights

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC

Specifications

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*

Card BrandVisa

Credit Recommended Fair/Bad Credit

Regular Purchase APR See Terms

Annual Fee See Terms

Highlights

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Checking account required
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Specifications

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

Card BrandMasterCard®

Credit Recommended Poor/Bad Credit

Regular Purchase APR 24.9%

Annual Fee $35 - $99*

Highlights

  • Easy pre-qualification process which does not affect your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $35 - $99*
Credit Recommended Poor/Bad Credit
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

Freedom Gold Card

$500 Unsecured Credit Limit

Card BrandOther

Credit Recommended Bad/Limited/No Credit

Regular Purchase APR 0.00%

Annual Fee See website for Details*

Highlights

  • $500 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit – OK

You are pre-approved for a $500 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details

Specifications

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended 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 Trans Fee n/a
Balance Transfer Fee n/a

Loan Pioneer

CASH AS SOON AS NEXT BUSINESS DAY

Card BrandOther

Credit Recommended Limited, Poor, Fair, Good Credit

Regular Purchase APR 5.99% to 35.99%

Annual Fee 0.00

Highlights

CASH AS SOON AS NEXT BUSINESS DAY

  • Safe & secure online form
  • Fast approval & quick cash
  • All credit types accepted
  • Loans for any purpose

LoanPioneer.com is a convenient platform to find a personal loan. Through our network of lenders, we help people borrow up to $5,000 for any reason.

At no charge, we connect consumers needing fast, hassle-free financial assistance with reputable lenders. You can get your funds quickly, sometimes next business day!

WHY CHOOSE US?

  • Get cash for an emergency
  • Our service is completely FREE!
  • Our process is secured and safe
  • Funding as soon as next business day
  • Get a decision in minutes!

LOANS FOR ANY REASON

  • Debt Consolidation
  • Major Purchases
  • Emergency Situations
  • Bills & Other Expenses
  • Home Improvements
  • Medical Bills
  • Vehicle Repairs
  • Vacations & Travel

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 5.99% to 35.99%
Annual Fee 0.00
Credit Recommended Limited, Poor, Fair, Good 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 Trans Fee n/a
Balance Transfer Fee n/a

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 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. 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. A few 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 card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. 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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