Credit Cards for Bad Credit

Discovering that you have poor credit can be extremely frustrating, as it can lead to several financial difficulties. However, rather than giving up, it’s time to start looking for credit cards designed specifically for individuals with bad credit. These credit cards are available from a range of credit card issuers, and include both secured and unsecured options. If you’re struggling with bad credit and want to improve your financial situation, check out our list of credit cards for bad credit to find the offer that is best suited for you.

2026 Top Editor's Choice

Arro Card

Start with credit limit up to $300, grow to $2,500

  • Card Brand

    MasterCard

  • Rewards Rate

    1% cashback on gas and groceries

  • Annual Fee

    $60* (*discounted in Year 1 for starting credit lines under $300)

  • Monthly Fee

    N/A

  • Credit Recommended

    All Credit Types Accepted

  • Regular Purchase APR

    24.99%

  • Full Details

    Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Card Details Page

GO2bank™

Overdraft protection up to $300 with opt-in and eligible direct deposit*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    0.00

  • Monthly Fee

    N/A

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • Overdraft protection up to $300 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.

Card Details Page

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard

  • Rewards Rate

    n/a

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Credit Recommended

    Bad/Poor/Fair

  • Regular Purchase APR

    35.9%

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.
Card Details Page

Current Build Visa® Credit Card

Credit for everyone – Regardless of your credit history!

  • Card Brand

    Visa®

  • Rewards Rate

    N/A

  • Annual Fee

    $0.00

  • Monthly Fee

    N/A

  • Credit Recommended

    No to Good Credit

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.

  • Credit for everyone – Regardless of your credit history!
  • Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
  • No minimum security deposit required.
  • Enjoy instant gas hold removals.
  • Reports monthly to all three major credit bureaus.
  • View Product Disclosures
Card Details Page

Chime Card™

No Credit Check to Apply6

  • Card Brand

    Visa®

  • Rewards Rate

    (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3

  • Annual Fee

    N/A

  • Monthly Fee

    N/A

  • Credit Recommended

    All Credit Welcome

  • Regular Purchase APR

    N/A

  • Full Details

    Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

Card Details Page

the secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0 ($25 Annual Fee after the first year.)^

  • Monthly Fee

    N/A

  • Credit Recommended

    Any Credit Rating

  • Regular Purchase APR

    27.49% (Variable)

  • Full Details

    Card Page

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

Card Details Page

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard

  • Rewards Rate

    n/a

  • Annual Fee

    See Provider Website

  • Monthly Fee

    See Provider Website

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    See Provider Website

  • Full Details

    Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
Card Details Page

Imagine® Visa® Credit Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    Visa®

  • Rewards Rate

    Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.

  • Annual Fee

    As low as $99

  • Monthly Fee

    N/A

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    36% Fixed

  • Full Details

    Card Page

Highlights

  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • No Security Deposit
  • The Imagine Card is issued by WebBank
  • Review Cardholder Agreement for rate and fee information

*See Program Terms for important information about the cash back rewards program.

**Zero liability subject to Visa’s Zero Liability Policy.

Card Details Page

Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Monthly Fee

    N/A

  • Credit Recommended

    Damaged credit to Fair credit

  • Regular Purchase APR

    0.0% APR

  • Full Details

    Card Page

Highlights

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

*See Card for Details

Card Details Page

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Monthly Fee

    See Terms

  • Credit Recommended

    Fair/Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • Greater access to credit than before – $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7
Card Details Page

Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

  • Card Brand

    MasterCard

  • Rewards Rate

    See Terms

  • Annual Fee

    Starting at just $6/month for the annual plan

  • Monthly Fee

    N/A

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.

With Ava, you can expect:

  • No hidden fees
  • 0% interest
  • Instant account set up with no credit check
  • $0.00 deposit/collateral required
Card Details Page

Destiny Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Monthly Fee

    See Terms

  • Credit Recommended

    Poor to Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • Simple and fast application process
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Build your access to credit – $700 credit limit
Card Details Page

Group One Platinum Card

Bad Credit, No Credit? No Problem!

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Monthly Fee

    N/A

  • Credit Recommended

    Damaged/Fair

  • Regular Purchase APR

    0% APR

  • Full Details

    Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
Card Details Page

View All Other Cards

Excellent Credit

Good Credit

Fair Credit

Poor Credit

Bad Credit

Limited Credit

No Credit