13 Easy Credit Cards to Get with Bad Credit

13 Easy Credit Cards to Get with Bad Credit
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Ashley Dull
By: Ashley Dull
Posted: December 4, 2015
BadCredit.org's popular "How-To" series is for those who seek to improve, rebuild or better understand their subprime credit rating.

Regardless of how your credit got to be “bad” in the first place, getting and using a new credit card responsibly is one of the first steps toward rebuilding your credit. But when you have poor credit, getting approved for a new card can be a daunting task, as issuers frequently deny poor credit applicants.

Still, there are credit cards available specifically for those with subpar credit and they come in two forms: unsecured and secured. The difference between the two is unsecured cards do not require a deposit to secure a line of credit, whereas secured cards do. The deposit amount can vary but typically equals the amount of credit issued.

10 Best Unsecured Credit Cards

Unsecured credit cards are regular credit cards — no security deposit required — with easy application processes. All 10 of these cards report to the credit bureaus, so if you pay on time each month, your credit will begin to reflect your good behavior.

  • Checking account required
  • Easy online application
  • Unlike some other issuers, good credit is not required
  • All credit types welcome to apply
  • Reports to the major Consumer Reporting Agencies
  • Application response in 30 seconds
  • We may approve those currently building credit history
  • Click here for official site, terms, and details.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes See issuer website Yes 9.5/10
  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Click here for official site, terms, and details.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes See terms Yes 8.5/10
  • Checking account required
  • A manageable credit limit can help you stay in control
  • This is a credit card - not a debit or prepaid card
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement.
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • Click here for official site, terms, and details.
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes See issuer website Yes 9.5/10
  • Checking account required
  • Monthly reporting to the major Consumer Reporting Agencies
  • We provide a response in 60 seconds or less
  • No security deposit required
  • Apply today, and if approved, pay a Processing Fee and you can access your available credit (additional fees and charges apply)
  • Click here for official site, terms, and details.
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes See issuer website Yes 9.5/10
  • Monthly reporting to the three major credit bureaus
  • 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
  • Click here for official site, terms, and details.
★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes See terms Yes 8.5/10
  • Must have checking account to qualify
  • A good choice for those with less than perfect credit
  • Credit card response in 60 seconds or less
  • First PREMIER Bank may approve you when other issuers will not
  • Apply today, and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges)
  • Click here for official site, terms, and details.
★★★★

4.4

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes See issuer website Yes 9.0/10
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 Minutes 15.90% - 24.40% (Variable)* Yes 9.0/10
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 15.90% - 24.40% (Variable)* Yes 9.0/10
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • Click here for official site, terms, and details.
★★★★

4.2

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 23.90% Yes 9.0/10
  • Pre-qualify today without an impact on your credit score
  • Helping consumers with limited or damaged credit make a fresh start for over 12 years
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • Click here for official site, terms, and details.
★★★★

4.2

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 Minutes 23.90% Yes 8.0/10

It’s important to note that these cards carry high interest rates, which is one way the issuer protects itself to offset the higher default rate. But if you pay the balance in full each month, you’ll avoid paying any interest at all.

3 Best Secured Credit Cards

Secured credit cards, on the other hand, do require a deposit, but your deposit is fully refundable after your balance is paid off or if you close the account. These cards generally offer a more lenient application process and may not require a minimum credit score or credit history.

  • Credit line secured by your fully-refundable deposit of $200-$5,000 submitted with application
  • Low fixed 9.99% APR on purchases. Guaranteed approval* if your monthly income exceeds your monthly expenses by $100 or more.
  • Perfect card for establishing or re-establishing credit. Reports monthly to all 3 credit bureaus.
  • Fast, easy application process.
  • No processing or application fees.
  • Click here for official site, terms, and details
   
★★★★

4.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 9.99% Yes 9.0/10
  • Credit line secured by your fully-refundable deposit of $200-$2,000 submitted with application
  • Pay off your balance & get your deposit back any time
  • Monthly reporting to all 3 major credit bureaus to establish credit history
  • Not available in: NY, IA, AR, or WI
  • No credit history or minimum credit score required
  • See if you are pre-approved in 60 seconds or less
  • Click here for official site, terms, and details.
★★★

3.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 19.99% (V) Yes 7.5/10
  • Credit line secured by your fully-refundable deposit of $200-$2,000 submitted with application
  • Pay off your balance and get your deposit back any time.
  • Monthly reporting to all 3 major credit bureaus to establish credit history.
  • Not available in: NY, IA, AR, or WI.
  • No credit history or minimum credit score required.
  • See if you are pre-approved in 60 seconds or less.
  • Click for for official site, terms, and details.
★★★

3.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 11.99% (V) Yes 7.5/10

These secured cards also report to the credit bureaus, so your payment behavior will be documented and allow you to rebuild your credit and eventually upgrade to an unsecured card.

Don’t Apply For Cards You’re Not Qualified For

Don’t apply for the best rewards and cash-back credit cards because if you’re denied (which is probable if you have bad credit), the hard inquiry can further hurt your score.

Only apply for the cards that are within your reach, and as time goes on and your credit improves, you can then go after the cards with lower interest rates and the most benefits to its customers. In the meantime, these cards can be your gateway to improved credit and all the benefits that come along with it. Good luck!