10 Best Visa Credit Cards for Bad Credit in 2018

10 Best Visa Credit Cards for Bad Credit in [current_year]
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Adam West
By: Adam West
Updated: October 23, 2018
BadCredit.org's popular "How-To" series is for those who seek to improve, rebuild or better understand their subprime credit rating.

When it comes to a long day of shopping, few things are as inconvenient — and potentially embarrassing — as getting to the front of the line and finding out the store doesn’t accept your credit card network. This usually means scrabbling through your wallet for some way to pay, or, worse, slinking out of the store without your selections.

As the first major credit card network, Visa has long held the lion’s share of the credit card market, and the network is still one of the most likely to be accepted, particularly on an international scale. Additionally, Visa has a large number of bank issuer partnerships, making it possible for most consumers to find the right Visa card for them.

And this is true even for those consumers with poor credit. Not only can you find Visa card issuers with flexible credit requirements, but you may have your pick of secured, unsecured, rewards, and prepaid card options.

Unsecured | Rewards | Secured | Prepaid

Best “Unsecured” Visa Credit Cards for Bad Credit

The most common type of credit card, and the one most likely to come to mind is your everyday unsecured card, which doesn’t require a down payment or any other form of security. Because unsecured cards present the highest risk to issuers, they will be the hardest to obtain for those with poor credit, unless you choose an issuer that specifically lends to subprime consumers like our expert-rated picks below.

  • 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

You’ll need an active checking account to apply for the Total VISA® Credit Card. You can choose from one of six card designs, and qualifying applicants will receive an initial $300 credit line.

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Click here for official site, terms, and details.
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 Minutes See Terms Yes 8.0/10

Approved First Access Visa cardholders will receive an initial $300 credit line and may be eligible for credit line increases after six months of on-time payments. You can request credit line increases every six months (so long as your account is in good standing), with no fee for the request or increase.

While unsecured credit cards won’t require any sort of down payment, your new card may come with a variety of other fees, including an annual or monthly maintenance fee, an initial processing fee, or other program fees.

Best “Rewards” Visa Credit Cards for Bad Credit

Credit cards with purchase rewards are a rarity in the subprime market, with Credit One Bank standing out as one of the few issuers to offer them. Credit One Bank has been issuing credit cards for more than 20 years and offers a range of subprime cards for all credit types. All Credit One credit cards report to the three credit bureaus, so they can be used to build your credit score by making on-time payments each billing cycle.

The exact APR and annual fee you are offered for your Credit One credit card will vary based on your credit profile. Low-risk applicants will be offered the lowest rates and fees.

  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 19.99% - 25.99% Variable Yes 9.0/10

Whether you are offered cash back rewards will depend on your credit risk. You may be offered one of five different rewards packages, or you may not be offered any rewards.

5. Credit One Bank® Unsecured Platinum Visa®

As with the other Credit One offerings, the Credit One Bank Unsecured Platinum Visa may offer cash back rewards to applicants with acceptable credit profiles, as well as a varying APR and annual fee.

Credit One Bank® Unsecured Platinum Visa®

  • Qualifying applicants can get 1% cash back, terms apply
  • Rewards automatically post to your account each month
  • Annual fee between $0 and $99, depending on your credit

With your Credit One credit card, you can choose to pick your credit card design from a range of available options. Keep in mind that a fee may apply for custom cards.

All Credit One applicants will need to go through pre-qualification before applying for a Credit One credit card. Pre-qualification can be completed quickly online and uses a soft credit pull that won’t impact your credit score.

Best “Secured” Visa Credit Cards for Bad Credit

Secured credit cards are good options for those with poor credit because they are secured by a fully refundable deposit made when you open the account. Since there is minimal risk to the card issuer, secured cards often have lower interest rates and fees than subprime unsecured credit cards, but will operate exactly like an unsecured card in all other respects.

  • Credit lines available from $200 to $5,000. Super Low Fixed 9.99% interest rate on purchases - with no penalty rate.
  • No minimum credit score requirements. We invite all credit types to apply. No processing or application fees.
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus.
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Gold Secured Credit Card details
  • 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

The Green Dot primor® Visa® Gold Secured Credit Card has a great interest rate, particularly for credit cards designed for poor-credit consumers. Your credit line will depend on the size of your deposit, with a maximum limit of $5,000.

7. OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is a solid option for any credit score, as it doesn’t require a credit check to qualify. Deposits start at $200, and your credit line will be equal to the size of your deposit.

 OpenSky® Secured Visa® Credit Card

  • Minimum deposit amount of $200
  • No credit check necessary to apply
  • Pay a $35 annual fee

You can request a credit limit increase from OpenSky at any time. A credit limit increase will require an additional deposit, and you may be assessed a fee.

8. Wells Fargo Secured Credit Card

The Wells Fargo Secured Credit Card gives you a credit limit equal to your deposit, with a maximum credit limit of $10,000. You can increase the size of your credit limit at any time by adding to your deposit. Additional deposits must be made in increments of $100.

Wells Fargo Secured Credit Card

  • Minimum deposit amount of $300
  • Potential to upgrade to unsecured card
  • Pay a $25 annual fee

Wells Fargo will periodically review your account, and those cardholders who demonstrate responsible credit card use with their Wells Fargo Secured card may qualify for an automatic upgrade to an unsecured credit card.

So long as you keep your secured credit card account in good standing — i.e., don’t default on your balance — your full deposit will be returned to you when you close the account. If your secured credit card balance becomes delinquent, the credit card issuer may close your account and use your deposit to cover the delinquent amount.

Best “Prepaid” Visa Credit Cards for Bad Credit

As a line of credit, a credit card will impact your credit score from beginning to end, starting with the hard credit inquiry from the application. Depending on your situation, you may wish to avoid the credit complications entirely, but you may not want to miss out on the convenience of paying with plastic. A prepaid Visa card can be a good compromise, offering the ability to make purchases anywhere Visa is accepted without impacting your credit profile.

  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay - pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
  • Click here for official site, terms, and details.
★★★★

3.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 Minutes N/A (Prepaid) No 8.0/10

Cardholders can use the Midnight Prepaid Visa® RushCard anywhere Visa debit cards are accepted, paying either a flat monthly fee or a per-purchase fee. Fund your card with direct deposit, MoneyGram®, Western Union®, Reload @ the Register™, MoneyPaks®, or Ingo.

10. Chase Liquid® Prepaid Card

The Chase Liquid® Prepaid Card allows users to make fee-free transactions by PIN or by signature, as well as online, though it does charge a small $4.95 monthly fee.

Chase Liquid® Prepaid Card

  • Add funds through direct deposit, cash loads at Chase branch, bank transfer, or check deposits
  • Pay $0 for PIN or signature transactions
  • Pay $4.95 monthly fee

In addition to paying $0 for transactions, cardholders can use Chase ATMs to make fee-free withdrawals, plus enjoy multiple free ways to add funds to their card.

Get a Card Accepted Nearly Everywhere

Whether you spent hours browsing to pick out the perfect items, or just minutes tracking down the items on your carefully crafted list, no shopper wants to get to the checkout counter and be unable to check out due to an incompatible credit card network. With a Visa in your wallet, the odds of a merchant turning away your card are minuscule, giving you the confidence to shop without worry.