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.
Arro Card
Start with credit limit up to $300, grow to $2,500
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Card Brand
MasterCard
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Rewards Rate
1% cashback on gas and groceries
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Annual Fee
$60* (*discounted in Year 1 for starting credit lines under $300)
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Monthly Fee
N/A
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Credit Recommended
All Credit Types Accepted
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Regular Purchase APR
24.99%
- Full Details
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.
Walmart MoneyCard®
Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
See Terms
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Monthly Fee
N/A
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Credit Recommended
n/a
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Regular Purchase APR
n/a
- Full Details
Highlights
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
*Please see site for full terms and conditions.
Indigo® Mastercard® for Less than Perfect Credit
Higher limit than before, still no security deposit required!
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
$175 the first year; $49 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Credit Recommended
Bad/Poor/Fair
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Regular Purchase APR
35.9%
- Full Details
- 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.
Current Build Visa® Credit Card
Credit for everyone – Regardless of your credit history!
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Card Brand
Visa®
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Rewards Rate
N/A
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Annual Fee
$0.00
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Monthly Fee
N/A
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Credit Recommended
No to Good Credit
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Regular Purchase APR
0.00%
- Full Details
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
the secured Self Visa® Credit Card
Eligibility requirements apply. Card issued after requirements are met.
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$0 ($25 Annual Fee after the first year.)^
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Monthly Fee
N/A
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Credit Recommended
Any Credit Rating
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Regular Purchase APR
27.49% (Variable)
- Full Details
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 PageGO2bank™
Overdraft protection up to $300 with opt-in and eligible direct deposit*
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
0.00
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Monthly Fee
N/A
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Credit Recommended
All Credit Types Considered
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Regular Purchase APR
n/a
- Full Details
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 PagePREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
See Provider Website
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Monthly Fee
See Provider Website
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Credit Recommended
Fair/Poor
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Regular Purchase APR
See Provider Website
- Full Details
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.
Chime Card™
No Credit Check to Apply6
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Card Brand
Visa®
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Rewards Rate
(1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
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Annual Fee
N/A
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Monthly Fee
N/A
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Credit Recommended
All Credit Welcome
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Regular Purchase APR
N/A
- Full Details
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 – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months5.
- 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 PageGreenFi
Up to 6% Cash Back¹ - Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
0.00
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Monthly Fee
n/a
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Credit Recommended
Any Credit History
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Regular Purchase APR
0.00%
- Full Details
Highlights
GreenFi helps you save money, earn cash back¹, and plant trees² – all while keeping your money out of fossil fuels. No mandatory fees.³ No greenwashing. Just a better way to bank.
Up to 6% Cash Back¹
Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.
Earn up to 3.50% APY⁴
Put your money to work with our high-yield savings account. Terms and conditions apply.
Get Paid Early⁵
Your paychecks arrive up to 2 days early when you set up Direct Deposit.
55,000 Fee-Free ATMs
Unlimited withdrawals at over 55,000 Allpoint ATMs worldwide, with cash deposits available at select locations (other account fees apply).
Feature-Packed Mobile App
Manage your finances and measure your environmental impact on the go.
Live Customer Support
Our Support Team is here to help you make the most of your account.
Review Full Terms and Conditions here
Card Details PageNet First Platinum
$750.00 Line of Credit*
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
See website for Details*
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Monthly Fee
N/A
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Credit Recommended
Damaged credit to Fair credit
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Regular Purchase APR
0.0% APR
- Full Details
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 PageDestiny® Mastercard® with Instant Credit
A guaranteed $700 credit limit to help get your financial goals on track, if approved.
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
$175 the first year; $49 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
- Rates & Fees
Highlights
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Milestone® Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
See Terms
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Monthly Fee
See Terms
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Credit Recommended
Fair/Good
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Regular Purchase APR
See Terms
- Full Details
- 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
Klover
Pocket your cash in minutes –– get up to $200
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Card Brand
Other
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Rewards Rate
n/a
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Annual Fee
$0.00
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Monthly Fee
N/A
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
Highlights
Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $200 cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero.
HOW TO GET YOUR FIRST ADVANCE:
- Enter your name, email and phone to sign up in seconds
- Connect your bank so we know where to send your money
- Pocket your cash in minutes –– get up to $200
But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie:
SCORE EASY POINTS
Earn points for things like taking surveys and watching ads. You can then cash them out for a bigger advance or to enter our daily sweepstakes.
WIN MONEY ON THE DAILY
You’ve got a chance to win $100 every day. Plus, five people get to pocket $20. That’s over 2000 chances to win each year!
BUDGET LIKE A BOSS
Level up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets.
MONEY FROM THE FUTURE
It’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero.
Card Details PageGroup One Platinum Card
Bad Credit, No Credit? No Problem!
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Card Brand
Other
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Rewards Rate
n/a
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Annual Fee
See website for Details*
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Monthly Fee
N/A
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Credit Recommended
Damaged/Fair
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Regular Purchase APR
0% APR
- Full Details
Highlights
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application