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 Issuer Website

Credit Recommended

Fair/Poor

Annual Fee

See Issuer Website

Updated For

Sun 15 May 2022

Full Details

Card Page

Reflex Mastercard®

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

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (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 Experian* (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
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Additional Info

Specifications

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 Transaction Fee n/a
Balance Transfer Fee n/a

Revvi Card

Fast and easy application; response provided in seconds

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $75 1st year, $48 after*

Credit Recommended See website for Details

Regular Purchase APR 34.99%*

Full Details Card Page

Highlights

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • Fast and easy application; response provided in seconds
  • Easy-to-use mobile app for management on the go!
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Manageable monthly payments
  • Secure online application with fast response
  • Build your credit score with on-time payments and keeping your balance below the credit limit
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See rates, fees, costs & limitations, and rewards for for complete offer and Revvi Rewards details^^

Additional Info

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Fast and easy application; response provided in seconds
  • $300 credit limit (subject to available credit)
  • Build your credit score with on-time payments and keeping your balance below the credit limit
  • Opportunity to request credit limit increase after twelve months, fee applies
  • Checking account required
  • Reports monthly to all three major credit bureaus
  • Manageable monthly payments
  • Perfect credit not required
  • Easy-to-use mobile app for management on the go!
  • *See rates, fees, costs & limitations, and rewards for for complete offer and Revvi Rewards details^^
  • Regular APR: 34.99%*
  • Annual Fee: $75 1st year, $48 after*
  • Monthly Fee: None 1st year, $6.25 after*
  • Activation Fee: $89*
  • Credit Recommended: See website for Details
  • Card Brand: Visa®

Specifications

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 Transaction Fee n/a
Balance Transfer Fee See website for Details

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 19.70% to 29.95% *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

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.70% to 29.95% *Variable
Annual Fee $0-$72
Credit Recommended See website for Details*
Cash Advance APR 24.95% to 34.95% 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

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*

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 20.24 - 29.74% Variable

Full Details Card Page

Highlights

  • $0 Annual Fee
  • Variable APRs range from 20.24% – 29.74%
  • $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: 20.24 – 29.74% Variable
  • Credit Recommended: Fair/Bad/Limited/No Credit
  • Credit Limit: $300 – $5,000
  • Late Payment Fee: 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 20.24 - 29.74% 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

Applied Bank® Unsecured Classic Visa® Card

Get Pre-Qualified in Less Than a Minute

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See website for Details*

Credit Recommended Poor/Damaged Credit

Regular Purchase APR 29.99%

Full Details Card Page

Highlights

  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM’s and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won’t Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments

Additional Info

Regular APR: 29.99%
Late Payment Fee: Up to $38
Return Check Fee: Up to $38
Card Brand: Visa®
Credit Recommended: Poor/Damaged Credit
Annual Fee: See website for Details*

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 29.99%
Annual Fee See website for Details*
Credit Recommended Poor/Damaged Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $38
Overlimit Fee n/a
Return Check Fee Up to $38
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Indigo® Platinum 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

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 Transaction Fee n/a
Balance Transfer Fee n/a

Mission Lane Visa® Credit Card

Instant decision on your application

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0-59

Credit Recommended Fair

Regular Purchase APR 26.99% - 29.99% (Variable)

Full Details Card Page

Highlights

  • See if you qualify instantly without harming your credit score.
  • Get a higher credit line if you’re in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.

Additional Info

  • Regular APR: 26.99% – 29.99% (Variable)
  • Cash Advance APR: 29.99% (Variable)
  • Annual Fee: $0-59
  • Cash Advance Fee: The greater of $10 or 3% of each cash advance.
  • Card Brand: Visa®
  • Reports to Consumer Reporting Agencies: Yes
  • Late Payment Fee: Up to $35
  • Credit Recommended: Fair
  • 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.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 26.99% - 29.99% (Variable)
Annual Fee $0-59
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 Transaction 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

Surge Mastercard® Credit Card

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

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (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
  • 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)

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!

Additional Info

Specifications

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 Transaction Fee n/a
Balance Transfer Fee n/a

Destiny Mastercard®

$500.00 Credit Limit

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms

Credit Recommended Poor to Good

Regular Purchase APR 35.9%

Full Details Card Page

Highlights

  • Greater access to credit than before – $500 credit limit
  • 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: 35.9%
  • Annual Fee: See Terms
  • Credit Recommended: Poor to Good

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.9%
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

PREMIER Bankcard® Mastercard® 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 Issuer Website

Credit Recommended Fair/Poor

Regular Purchase APR See Issuer Website

Full Details Card Page

Highlights

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • 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.

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

Additional Info

Specifications

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 Transaction Fee See Issuer Website
Balance Transfer Fee n/a

GO2bank

Get your pay up to 2 days early with ASAP 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

  • Get your pay up to 2 days early with ASAP Direct Deposit™
  • 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
  • Earn over 10x the national savings rate average High-yield savings account, 1% APY paid quarterly on savings up to $5,000**

Additional Info

  • Overdraft Available: No
  • Instant Response: No
  • Credit Check: No
  • Activation Fee: $0

*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.

**1% Annual Percentage Yield (APY) paid quarterly on savings, of up to a $5,000 balance. APY as of March 2021, and may change anytime. National savings average based on FDIC-published rates as of 4/1/21 on the $2,500 product tier of insured depository institutions for which data is available.

 

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

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

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 Spending Account
  • Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across spending 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 38,000 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
  • 0.50% Annual Percentage Yield (APY)1 —8x2 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 November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
2The average national savings account interest rate of 0.06% is determined by FDIC as of November 1, 2021 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 https://www.fdic.gov/regulations/resources/rates/ 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

Total Visa® Card

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

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

Additional Info

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 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 Issuer Website

Credit Recommended Fair/Poor

Regular Purchase APR See Issuer 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 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 Transaction 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

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

First Digital Mastercard®

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

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

Additional Info

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 Transaction Fee See website for Details*
Balance Transfer Fee See website for Details*

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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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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