Credit Cards for People with Bad Credit

Advertiser Disclosure

Below are our rankings of 2016's top credit card offers for those with poor credit. Visit the issuer's site using the Apply Here button to read more details and/or apply online for your card of choice:

All Results | Unsecured Cards | Prepaid Cards | Secured Cards

  • Checking account and $10,000 gross annual income required
  • 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
  • A credit card offer for 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
  • Up to $5,000 spending limit in less than 60 seconds
  • Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than perfect credit accepted. Approval is quick and easy
  • Must be 18 years or older, have a valid checking account and a verifiable source of income
  • Up to 12 months same as cash
  • 50% Early Payoff discount
  • No hidden fees
  • Return at any time
  • Click here for official site, terms, and details.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 Minutes See website No New Offer
  • 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 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
  • Response provided 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
  • 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.
★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes 29.99% Yes 8.5/10
  • Must have checking account to qualify
  • A credit card offer for those currently building credit history
  • Credit card response in 60 seconds or less
  • First PREMIER Bank may approve you when other issuers will not
  • If approved, pay a ONE-TIME Processing Fee to open your account and access your available credit (additional fees and charges apply)
  • 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
  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 15.65% - 24.15% (Variable)* Yes 9.0/10
  • Credit One automatically monitors every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for additional credit.
  • See if you're Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account will be reported monthly to all three major credit bureaus.
  • Zero fraud liability protects you from unauthorized charges.
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 Minutes 15.65% - 24.15% (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

Other Popular Offers

for People With Bad Credit

#1 In Auto Loans

  • Network of dealer partners has closed $1 billion in bad credit auto loans
  • Specializes in bad credit, no credit, bankruptcy and repossession
  • In business since 1999
  • Easy, 30-second pre-qualification form
  • Bad credit applicants must have $1500/month income to qualify
  • Click here for application, terms, and details.

Auto Loans

★★★★★

4.9

Overall Rating

what's this?

Interest Rate In Business Since Application Length Reputation Score
Varies 1999 2 minutes 9.5/10

#1 In Credit Repair

  • Toll-free number: 1-855-200-2394
  • Reporting clients see 85% of negative items removed
  • More than 3.3 million item deletions last year
  • No contracts
  • Free credit score summary provided
  • Phone support from licensed paralegals 7 days a week
  • More than 500,000 clients served since 1991
  • Click here for sign-up form, terms, and details.

Credit Repair

★★★★★

4.8

Overall Rating

what's this?

Better Business Bureau In Business Since Monthly Cost Reputation Score
A- 1991 $79 - $99 10/10

7 Things to Know About Getting a Credit Card with Bad Credit

Ashley Dull

Expert Guide By:

Ashley Dull, Finance Editor

While having a less-than-perfect credit score can make being approved for a credit card difficult, it’s certainly not impossible — you just need to know a few facts and a little big-bank jargon. Below we’ll take a look at seven considerations when applying for a credit card when you have bad credit.

1. Secured vs. Unsecured Credit Card Offers

Credit cards come in many forms, but the two biggest differentiators are secured and unsecured.

Secured Cards

Secured cards are normally easier for people with low credit scores to be approved for. This is because a deposit is required, often times equal to the amount of credit you’ll receive. This is the bank’s way of protecting itself in the event you default on payments. While credit limits are usually low with secured credit cards, they’re great stepping stones to unsecured cards.

Unsecured Cards

An unsecured card is a line of credit that does not require a deposit for approval. Many unsecured cards come with rewards programs, and a general rule of thumb is the better your credit, the better the cards and rewards programs. However, many unsecured cards for bad credit still offer points and cash back rewards, and with responsible use, you can work your way toward better unsecured offers.

2. Some Issuers Accept Low Credit Scores, Some Don’t

Before you choose the card you wish to apply for and begin the application process, it’s important to know which offers are available to you. This is because your credit score can be negatively affected by applying for credit cards you’re not approved for.

Every time you apply for a line of credit — be it secured, unsecured, or even a personal loan – a hard inquiry is made to your credit report. An inquiry is the vetting process by a lender reviewing your credit history to determine approval. While the impact is minor, it can affect your credit score for up to 12 months, and remain on your credit report for two years.

The following issuers approve people with bad credit:

Credit One

Credit One Bank offers many cards for bad credit with cash back rewards, gas rewards, and no deposit required. Additionally, Credit One cardholders enjoy free credit score tracking and automatic reviews for credit line increase opportunities.

First PREMIER Bank

First PREMIER Bank offers a lot of great starter cards for people with bad credit. These include MasterCard options that are widely accepted around the world, but be aware that some First PREMIER Bank credit cards require a processing fee if approved.

The following issuers generally don’t approve people with bad credit:

· American Express (Amex)
· Bank of America
· Chase
· Citi
· Discover

Whichever issuer you decide on, be sure to select a card that reports your activity to the Consumer Reporting Agencies. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report.

3. Do You Have Bad Credit, Poor Credit, or No Credit?

The category you fall into is based on your credit score, which is a reflection of the information contained on your credit reports from each of the three credit bureaus: Experian, TransUnion, and Equifax.

Your credit score is determined by your payment history, amounts owed, length of credit history, types of credit, and new credit. Each of the five components are weighted differently to calculate your score.

Bad Credit: 350-549*
Poor Credit: 550-649*
No Credit: 0* (You have no reported history with the credit bureaus.)

If your score is 650* or above, you’re more likely to qualify for a credit card for fair credit (650-699*) or a credit card for good credit (700+*).

4. Choose from Only the Best Credit Card Reviews

Choosing the best credit card for your wallet can quickly become overwhelming given the number of options available. That’s why it’s important to refer to reliable and trusted sources for the best credit card reviews.

Understanding what makes a good card is an important first step — this entails a low APR (the worse your credit, the higher your APR, but always compare options to find the best available to you) and no annual or hidden fees. Rewards cards are nice, but generally carry higher APRs, so if you’re not paying the balance in full each month, your interest charges can easily outpace the rewards you earn.

For those with poor credit, a card with automatic reviews for credit line increase opportunities can be a valuable feature.

Our rankings are determined on a number of factors, such as issuer reputability, customer satisfaction, and terms of the card itself. The details of each card are listed above for easy readability to ensure you’re never victim to predatory lending.

5. Beware of “Pre-Approved” & “Pre-Qualified” Cards

Despite the tricky language, receiving a pre-approved or pre-qualified offer for a card does not guarantee approval. What this actually means is that you’ve been identified by that issuer as having met a certain set of criteria for approval of that particular card, such as having a credit score above 650*. When applying for the card, you’ll be required to provide additional qualifying information, such as income and debts, that could disqualify you for the same card for which you were “pre-approved” or “pre-qualified”.

The bottom line – just because you meet one of the criteria the issuer has set for a card does not necessarily mean you meet all of them, and therefore approval is never guaranteed, which leads us to our next topic of discussion.

6. Beware of “Guaranteed Approval” & “Instant Approval & Use” Cards

You’ll see the term “guaranteed approval” in a card’s description, usually marked with an asterisk. This is because you’re guaranteed approval if you meet this, that, and the other issuer requirements. These cards are notorious for having high interest rates, fees, and other unfavorable terms because these issuers know their customers’ options are limited. In other words, easy-to-get cards might be bad news.

There’s also the “no credit check” and “instant approval” cards, which are predominantly prepaid cards. Unfortunately, prepaid cards cannot help you build your credit score because they do not report to the credit bureaus. A prepaid card is not a line of credit, but rather acts more like a debit card in that you fund the card yourself and use it wherever Visa, MasterCard, and other large issuers are accepted.

7. Build Credit with Responsible Credit Card Use

When you decide on the right card, you have to use it responsibly, or you won’t be doing your credit history any favors. A credit card is one tool that can help you build your credit history. Ultimately, only you can turn your credit problems around, and each person’s situation is different.

Starting Credit (From 0* Credit Score)

When you have no credit history, the best thing you can do is establish your first trade line (line of credit) on your credit report. One of the easiest ways to do this is by getting your first credit card and following the golden rules of credit card ownership, which are to always pay on time and keep your balance low — it’s really that simple!

Building Credit (From Low Credit Score)

If you’ve made a few credit blunders in the past, know that time is your friend — late payments, charge-offs, and other negative marks can only remain on your credit report for up to seven years (bankruptcies may last up to 10).

In the meantime, you can actively work to build your credit by getting a card for bad credit and proving yourself a good credit risk by applying for a manageable credit limit, avoiding missed payments to your creditors, and establishing diverse credit.

Choose the Card That’s Right for You

Between your newfound knowledge and our expert reviews, you can choose the best credit card for bad credit and use it to prove you can responsibly manage a credit account. You’ll realize that being approved for the card, even with bad credit, is actually the easy part — it’s using it responsibly that can be difficult. Spend wisely!

*FICO scores/credit 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 credit card product.

Information in these articles is brought to you by BadCredit.org. Banks, issuers, and credit card companies mentioned in the articles do not endorse, guarantee, and are not responsible for, the contents of the articles.

Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.