Credit Cards for Bad Credit


Sometimes life throws you a curveball, and your credit score suffers. But there's hope! Our experts have uncovered a group of credit cards designed for people with less than perfect credit. Because hey, we all deserve a second chance, don't we? [updated October 2021].
1
Aspiration

Aspiration
Apply Now  
on Coastal Community Bank's secure site

Aspiration

  •   Earn $150 when you spend $1000 in the first 60 days of account opening.
  •   Get up to 5% cash back on socially conscious spending at Conscience Coalition merchants [like TOMS, Warby Parker, and more]
  •   Get paid up to 2 days early
  •   55,000+ Fee-free ATM Network
  •   You pay what is fair, no hidden fees.
  •   Reforest the planet with every purchase roundup
  •   See business People & Planet impact scores as you shop


Annual Fee
Pay What You Think Is Fair, even if it’s $0
Instant Approval
No
Card Type
Recommended Credit
 
 
 
 
Limited/PoorFair
2
Principal Platinum

Principal Platinum
Apply Now  
on horizon's secure site

Principal Platinum

  •   Instant Approval / $750 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/Fair
3
Merit Platinum

Merit Platinum
Apply Now  
on Reliant Holdings's secure site

Merit Platinum

  •   Instant Approval / $750 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*
Rewards Rate
N/A
Welcome offer
N/A
Recommended Credit
 
 
 
 
Damaged/Fair

OpenSky® Secured Visa® Credit Card

  •   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 "OpenSky Card" 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
 
 
 
 
No Credit Check

Applied Bank® Secured Visa® Gold Preferred® Credit Card

  •   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 Won’t 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
6
Credit One Bank® Platinum Visa®

Credit One Bank® Platinum Visa®
Apply Now  
on Credit One Bank®'s secure site

Credit One Bank® Platinum Visa®

  •   Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  •   With $0 Fraud Liability, you won't be responsible for unauthorized charges
  •   Automatic reviews for credit line increase opportunities
  •   View your Experian credit score online for free, terms apply
  •   Choose your monthly payment due date for added convenience, terms apply
  •   Never miss an account update with customizable text and email alerts
  •   Manage your account on-the-go with the Credit One Bank mobile app


Annual Fee
$39
Instant Approval
No
Card Type
Recommended Credit
 
 
 
 
Limited/PoorFair - Good