Bad Credit CREDIT CARDS

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.

Card Details 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

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Get Free Credit Score

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 See Terms

Full Details Card Page

Highlights

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

Card Details Page

Highlights

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

Additional Info

Regular APR: See terms
Annual Fee: See terms
Credit Recommended: Poor to Good
Brand Name: Mastercard
Credit Limit: $700
Cash Advance Fee: See terms
Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

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

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Get Free Credit Score

Experian Credit Match
Get matched to credit cards based on your credit profile

Intro Purchase APR See Terms

Intro Balance Transfer APR See Terms

Annual Fee See Terms

Credit Recommended Any Credit History

Regular Purchase APR See Terms

Full Details Card Page

Highlights

Get matched to credit cards based on your credit profile

Free Experian credit report and FICO® Score* included
See estimated approval odds for select cards before you apply
Check if you have pre-approved card offers

See your best matches based on you

Simply sign in to see the credit cards that best match you
Compare your best options and make your choice
We apply your FICO® Score so you can apply with confidence

Card Details Page

Highlights

Get matched to credit cards based on your credit profile

Free Experian credit report and FICO® Score* included
See estimated approval odds for select cards before you apply
Check if you have pre-approved card offers

See your best matches based on you

Simply sign in to see the credit cards that best match you
Compare your best options and make your choice
We apply your FICO® Score so you can apply with confidence

Additional Info

Advertiser Disclosure: The offers that appear on this site are from third party companies (“our partners”) from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

Specifications

Intro (Purchases)	See Terms
Intro (Transfers)	See Terms
Regular APR	See Terms
Annual Fee	See Terms
Credit Recommended	Any Credit History
Cash Advance APR	See Terms
Cash Advance Fee	See Terms
Cash Grace Period	See Terms
Late Payment Fee	See Terms
Overlimit Fee	See Terms
Return Check Fee	See Terms
Foreign Transaction Fee	See Terms
Balance Transfer Fee	See Terms

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Get Free Credit Score

First Access Visa® Card
$300 credit limit (subject to available credit)

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

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.

Card Details Page

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.

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

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Get Free Credit Score

Self Credit Builder + Credit Card Combo
Reports to all 3 credit bureaus. No hard credit pull and no credit history required

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee One Time $9 - $15 Account Fee (Varies by Product)

Credit Recommended No Credit History

Regular Purchase APR 12.03% - 15.98% (Varies by Product)

Full Details Card Page

Highlights

Savings plans start at $25/month and includes credit monitoring
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
At the end of account term you’ve built credit history and your CD savings unlocks

Card Details Page

Highlights

Savings plans start at $25/month and includes credit monitoring
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
At the end of account term you’ve built credit history and your CD savings unlocks

Additional Info

Balance Transfers Intro APR: N/A
Purchases Intro APR: N/A
Regular APR: 12.03% – 15.98% (Varies by Product)
Annual Fee: One Time $9 – $15 Account Fee (Varies by Product)

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	12.03% – 15.98% (Varies by Product)
Annual Fee	One Time $9 – $15 Account Fee (Varies by Product)
Credit Recommended	No Credit History
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

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Get Free Credit Score

Petal® 1 “No Annual Fee” Visa® Credit Card
$300 - $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 24.74 - 34.24% Variable

Full Details Card Page

Highlights

We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.

$0 Annual Fee
Variable APRs range from 24.74% – 34.24%
$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

Card Details Page

Highlights

$0 Annual Fee
Variable APRs range from 24.74% – 34.24%
$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

Additional Info

Annual Fee: $0
Regular APR: 24.74 – 34.24% Variable
Credit Limit: $300 – $5,000
Credit Recommended: Fair, Limited History, No History, Limited, No Credit
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.
Checking Account Required: Yes
Foreign Trans Fee: $0
Overlimit Fee: $0
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	24.74 - 34.24% 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

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Get Free Credit Score

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® ˆ: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200ˆ 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 early**: 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!

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

²The average national savings account interest rate of 0.21% is determined by FDIC as of November 17, 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. Visit National Rates and Rate Caps to learn more.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

^^Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

Card Details 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® ˆ: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200ˆ 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 early**: 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!

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

²The average national savings account interest rate of 0.21% is determined by FDIC as of November 17, 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. Visit National Rates and Rate Caps to learn more.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

^^Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

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
2.00% APY¹ on your Savings Account. That’s 11x² the national average!

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

APPLY NOW

Get Free Credit Score

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.

Card Details 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

APPLY NOW

Get Free Credit Score

FIT® Platinum 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)

Card Details 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*

APPLY NOW

Get Free Credit Score

Total Visa® Card
$300 credit limit (subject to available credit)

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

Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
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

Card Details Page

Highlights

Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
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

APPLY NOW

Get Free Credit Score

Reflex® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000*

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

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)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Card Details 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)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

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 Transaction Fee	n/a
Balance Transfer Fee	n/a

APPLY NOW

Get Free Credit Score

Surge® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000*

Intro Purchase APR N/A

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad

Regular Purchase APR See Terms*

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!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Card Details 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

How it Works

Why Choose the Surge Card?

Get Approved Today!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

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 Transaction Fee	n/a
Balance Transfer Fee	n/a

APPLY NOW

Get Free Credit Score

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
Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

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

Card Details Page

Highlights

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

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

Additional Info

Overdraft Protection: up to $200 with opt-in and eligible direct deposits
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

APPLY NOW

Get Free Credit Score

First Access Visa® Card

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms

Credit Recommended Fair/Bad

Regular Purchase APR See Terms

Full Details Card Page

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.

Card Details Page

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.

Additional Info

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	See Terms
Annual Fee	See Terms
Credit Recommended	Fair/Bad
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

APPLY NOW

Get Free Credit Score

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

Card Details Page

Highlights

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

*See Card for Details

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

APPLY NOW

Get Free Credit Score

Milestone® Mastercard®
Greater access to credit than before - $700 credit limit

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms

Credit Recommended Fair/Good

Regular Purchase APR See Terms

Full Details Card Page

Highlights

Greater access to credit than before – $700 credit limit
Get a Mastercard accepted online, in store and in app
Account history is reported to the three major credit bureaus in the U.S.
$0 liability for unauthorized use
Access your account online or from your mobile device 24/7

Card Details Page

Highlights

Greater access to credit than before – $700 credit limit
Get a Mastercard accepted online, in store and in app
Account history is reported to the three major credit bureaus in the U.S.
$0 liability for unauthorized use
Access your account online or from your mobile device 24/7

Additional Info

Regular APR: See terms
Credit Recommended: Fair/Good
Annual Fee: See terms
Card Brand: Mastercard
Credit Limit: $700
Cash Advance Fee: See terms
Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

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

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).

Bad Credit CREDIT CARDS

Milestone® Mastercard®

PREMIER Bankcard® Mastercard® Credit Card Just complete the short application and find out in 60 seconds if you’re approved.

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Additional Info

Specifications

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

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Additional Info

Specifications

Experian Credit Match Get matched to credit cards based on your credit profile

Highlights

Get matched to credit cards based on your credit profile

See your best matches based on you

Highlights

Get matched to credit cards based on your credit profile

See your best matches based on you

Additional Info

Specifications

First Access Visa® Card $300 credit limit (subject to available credit)

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Additional Info

Specifications

Self Credit Builder + Credit Card Combo Reports to all 3 credit bureaus. No hard credit pull and no credit history required

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Additional Info

Specifications

Petal® 1 “No Annual Fee” Visa® Credit Card $300 - $5,000 credit limits

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Additional Info

Specifications

CARD SPOTLIGHT

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

Highlights

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

1The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

Highlights

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

1The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

Additional Info

Specifications

PREMIER Bankcard® Grey Credit Card Just complete the short application and find out in 60 seconds if you’re approved.

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Additional Info

Specifications

FIT® Platinum Mastercard® Fast & Easy Application; Results Online in Seconds

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Additional Info

Specifications

Total Visa® Card $300 credit limit (subject to available credit)

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Additional Info

Specifications

Reflex® Platinum Mastercard® Up to $1,000 credit limit doubles up to $2,000*

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Additional Info

Specifications

Surge® Platinum Mastercard® Up to $1,000 credit limit doubles up to $2,000*

Highlights

Give Your Credit a Surge

How it Works

PREMIER Bankcard® Mastercard® Credit Card
Just complete the short application and find out in 60 seconds if you’re approved.

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

Experian Credit Match
Get matched to credit cards based on your credit profile

First Access Visa® Card
$300 credit limit (subject to available credit)

Self Credit Builder + Credit Card Combo
Reports to all 3 credit bureaus. No hard credit pull and no credit history required

Petal® 1 “No Annual Fee” Visa® Credit Card
$300 - $5,000 credit limits

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

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

PREMIER Bankcard® Grey Credit Card
Just complete the short application and find out in 60 seconds if you’re approved.

FIT® Platinum Mastercard®
Fast & Easy Application; Results Online in Seconds

Total Visa® Card
$300 credit limit (subject to available credit)

Reflex® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000*

Surge® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000*

GO2bank
Overdraft protection up to $200 with opt-in and eligible direct deposit*

Net First Platinum
$750.00 Line of Credit*

Milestone® Mastercard®
Greater access to credit than before - $700 credit limit

Experian Boost™
Improve Your Credit Scores Instantly for Free