Credit Cards for Bad Credit


Have bad credit? These are our top-ranked partner credit card offers for people bad credit [updated October 2019].
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Green Dot primor® Visa® Gold Secured Credit Card

Dan's Rating: 4.4 / 5

  •   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


Annual Fee
$49
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Limited/Poor

Green Dot Visa® Secured Credit Card

Dan's Rating: 4.3 / 5

  •   Good credit or bank account not required
  •   Your application will not impact your credit score
  •   Initial security deposit can be as low as $200
  •   Raise your credit score with responsible card use
  •   See additional Green Dot Visa┬« Secured Credit Card details


Annual Fee
$39
Instant Approval
No
Card Type
Recommended Credit
 
 
 
 
Poor/Limited/No Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Dan's Rating: 4.0 / 5

  •   Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  •   Absolutely No Credit Check or Minimum Credit Score Required
  •   Automatic Reporting to All Three National Credit Bureaus
  •   9.99% Low Fixed APR - Your Rate WonÔÇÖt Go Up Even if You Are Late
  •   Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime


Annual Fee
$48
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Limited/PoorFair

Credit One Bank® Credit Card with Cash Back Rewards

Dan's Rating: 4.0 / 5

  •   1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply
  •   With $0 Fraud Liability, you wonÔÇÖt be responsible for unauthorized charges
  •   Managing your account is easy with the Credit One Bank mobile app
  •   Pick a card that fits your style. Multiple card designs are available, a fee may apply
  •   Monitor your credit with free online access to your Experian credit score, terms apply
  •   Never miss an account update with customizable text and email alerts
  •   Do your part to help the environment with the option to go paperless


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair
5
First Access Visa® Card

First Access Visa® Card
Apply Now  
on First Access's secure site

First Access Visa® Card

Dan's Rating: 4.0 / 5

  •   Reporting monthly to all three major credit reporting agencies
  •   Perfect credit not required for approval; we may approve you when others wonÔÇÖt
  •   Easy and secure online application
  •   If approved, pay a Program Fee and you can access the $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.


Annual Fee
$75.00 for first year. After that, $48.00 annually or See Terms
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair

Credit One Bank® Platinum Visa® with Cash Back Rewards

Dan's Rating: 3.9 / 5

  •   Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  •   CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether youÔÇÖre at home or on-the-go.
  •   Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  •   Use your Apple device to make purchases securely through Apple Pay┬«. Apple Pay is a registered trademark of Apple, Inc.
  •   Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  •   Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ÔÇśtil they arrive in the mail.


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair

Credit One Bank® Visa® Credit Card with Cash Back Rewards

Dan's Rating: 3.9 / 5

  •   Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  •   Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  •   Use your Apple device to make purchases securely through Apple Pay┬«. Apple Pay is a registered trademark of Apple, Inc.
  •   Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  •   Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair

The First Latitude MasterCard® Secured Credit Card

Dan's Rating: 3.9 / 5

  •   No Annual Fee! Build up your credit with responsible card use.
  •   Get Approved Fast ÔÇô Just Click Below to Start the Process!
  •   Receive Your Card More Quickly with New Expedited Processing Option
  •   No Credit History or Minimum Credit Score Required for Approval
  •   Quick and Complete Online Application
  •   Full-Feature Platinum MasterCard┬« Secured Credit Card
  •   Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  •   Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  •   Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  •   Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  •   24/7 Online Access to Your Account
  •   Nationwide Program ÔÇô though not yet available in NY, IA, AR, or WI


Annual Fee
No Annual Fee!
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Credit Improvement

OpenSky® Secured Visa® Credit Card

Dan's Rating: 3.8 / 5

  •   No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  •   The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  •   Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  •   99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  •   We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search ÔÇťOpenSky CardÔÇŁ in Facebook.)
  •   OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  •   *View our Cardholder Agreement located at the bottom of the application page for details of the card.


Annual Fee
$35
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Limited/Poor

Credit One Bank® Visa® with Free Credit Score Tracking

Dan's Rating: 3.7 / 5

  •   See if you Pre-Qualify in less than 60 secondsÔÇöwithout affecting your credit score. It's fast, easy, and secure.
  •   Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  •   This is a fully functional, unsecured credit cardÔÇönot a debit card, prepaid card, or secured credit card with deposit requirements.
  •   Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  •   Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  •   Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  •   Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  •   Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One BankÔÇÖs card gallery. A fee may apply.


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Poor
11
Total Visa® Card

Total Visa® Card
Apply Now  
on Total Visa's secure site

Total Visa® Card

Dan's Rating: 3.7 / 5

  •   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
  •   If approved, simply pay a Program Fee to open your account and access your available credit
  •   Reports monthly to all three major credit bureaus


Annual Fee
$75.00 for first year. After that, $48.00 annually or See Terms
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair/Bad Credit

First Progress Platinum Prestige MasterCard® Secured Credit Card

Dan's Rating: 3.6 / 5

  •   No Credit History or Minimum Credit Score Required for Approval
  •   Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  •   Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  •   Nationwide Program though not yet available in NY, IA, AR, or WI
  •   *See Card Terms.


Annual Fee
$49
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Damaged/Fair

First Progress Platinum Select MasterCard® Secured Credit Card

Dan's Rating: 3.6 / 5

  •   Receive Your Card More Quickly with New Expedited Processing Option
  •   No Credit History or Minimum Credit Score Required for Approval
  •   Quick and Complete Online Application
  •   Full-Feature Platinum MasterCard(R) Secured Credit Card
  •   Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  •   Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  •   Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  •   Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  •   24/7 Online Access to Your Account
  •   Nationwide Program though not yet available in NY, IA, AR, or WI
  •   *See Card Terms.


Annual Fee
$39
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Damaged/Fair

Indigo® Platinum Mastercard® Credit Card

Dan's Rating: 3.6 / 5

  •   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.


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair - Good
15
Fingerhut Credit Account

Fingerhut Credit Account
Apply Now  
on WebBank's secure site

Fingerhut Credit Account

Dan's Rating: 3.6 / 5

  •   Easy application! Get a credit decision in seconds.
  •   Build your credit history ÔÇô Fingerhut reports to all 3 major credit bureaus
  •   Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  •   Not an access card


Annual Fee
None
Instant Approval
No
Card Type
Unsecured Store Card
Recommended Credit
 
 
 
 
Poor/Fair/Good

Credit One Bank® Platinum Visa® for Rebuilding Credit

Dan's Rating: 3.5 / 5

  •   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


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Poor

The First Progress Platinum Elite MasterCard® Secured Credit Card

Dan's Rating: 3.5 / 5

  •   Receive Your Card More Quickly with New Expedited Processing Option
  •   No Credit History or Minimum Credit Score Required for Approval
  •   Quick and Complete Online Application
  •   Full-Feature Platinum MasterCard(R) Secured Credit Card
  •   Nationwide Program though not yet available in NY, IA, AR, or WI
  •   *See Card Terms.


Annual Fee
$29
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Damaged credit to Fair credit

Indigo® Unsecured Mastercard®

Dan's Rating: 3.5 / 5

  •   Pre-qualify today without an impact on your credit score
  •   Keeping your account in good standing may help establish and/or improve your credit
  •   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.


Annual Fee
$0 - $99
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair/Good
19
Milestone Gold Mastercard®

Milestone Gold Mastercard®
Apply Now  
on Milestone's secure site

Milestone Gold Mastercard®

Dan's Rating: 3.5 / 5

  •   Instant pre-qualification is available for those who qualify
  •   Less than perfect credit is okay
  •   Access your account online or from your mobile device 24/7
  •   Choice of card image at no extra charge
  •   Account history is reported to the three major credit bureaus in the U.S.


Annual Fee
$35 - $99, Dependent on credit worthiness
Instant Approval
No
Card Type
Unsecured
Recommended Credit
 
 
 
 
Fair/Good
20
Net First Platinum

Net First Platinum
Apply Now  
on Horizon's secure site

Net First Platinum

Dan's Rating: 3.1 / 5

  •   Instant Approval / $500 Credit Line!
  •   No Employment or Credit Check
  •   Reports to Major Bureau
  •   Bad Credit, No Credit - OK
  •   Always 0.0% APR
  •   Fast Online Applications


Annual Fee
See website for Details*
Instant Approval
Yes
Card Type
Unsecured Store Card
Recommended Credit
 
 
 
 
Damaged credit to Fair credit
21
Freedom Gold Card

Freedom Gold Card
Apply Now  
on Horizon's secure site

Freedom Gold Card

Dan's Rating: 3.0 / 5

  •   $500 Unsecured Credit Limit
  •   Instant Approval*
  •   No Credit Check
  •   No Employment Check
  •   Fast online application
  •   Reports to a Major Bureau
  •   Bad Credit - OK


Annual Fee
See website for Details*
Instant Approval
Yes
Card Type
Unsecured Store Card
Recommended Credit
 
 
 
 
Damaged credit to Fair credit
22
Horizon Gold

Horizon Gold
Apply Now  
on Horizon's secure site

Horizon Gold

Dan's Rating: 3.0 / 5

  •   Instant $500 Credit Line*
  •   No Credit Check
  •   Fast Online Application
  •   Bad Credit - OK


Annual Fee
See website for Details*
Instant Approval
Yes
Card Type
Unsecured Store Card
Recommended Credit
 
 
 
 
Damaged credit to Fair credit