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.
PREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
- Rating
- Credit Recommended
Fair/Poor
- Regular Purchase APR
See Provider Website
- Annual Fee
See Provider Website
- Updated For
Fri 21 Feb 2025
- Full Details
the secured Self Visa® Credit Card
No credit check or score required
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$25
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Credit Recommended
No Credit, New to Credit, Limited Credit, Bad, Poor
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Regular Purchase APR
28.24% Variable
- Full Details
Highlights
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
*Limited Time Only: $0 Intro Annual Fee For Year 1 with the Self Card
- The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
- Use your card anywhere Visa® is accepted in the US.
- A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
- Get help staying on track with Autopay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
*$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
Card Details PageGO2bank
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
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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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Credit Recommended
All Credit Types Considered
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Regular Purchase APR
n/a
- Full Details
Highlights
- Overdraft protection up to $200 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. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
Card Details PageChime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Card Brand
Visa®
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Rewards Rate
See Website for Details
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Annual Fee
$0.00
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Credit Recommended
Limited to Good
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Regular Purchase APR
0.00%
- Full Details
Highlights
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
- Credit Builder is a secured credit card
- No credit check to apply
- No annual fees
- No minimum security deposit*
- Limit risk of overspending
Eligibility Requirements
- 1. “Apply” for the Credit Builder Card
- 2. Chime Checking Account required to apply
Build Credit History
- Help increase your credit scores/FICO® Score by an average of 30 points¹
- Build credit history
- A better way to build credit
- Meet Credit Builder, a brand new way to build credit
- Using Credit Builder can build your credit history
- Start building credit history with money you’ve set aside
Safer Credit Building
- Turn on Safer Credit Building* to automatically pay your balance in full each month
- Your balance will be automatically paid on time², every month
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Card Details PageExperian CreditMatch™
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
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Card Brand
See Terms
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Rewards Rate
See Terms
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Annual Fee
See Terms
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Credit Recommended
Any Credit History
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Regular Purchase APR
See Terms
- Full Details
Highlights
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
- Free Experian credit report and FICO® Score* included
- See estimated approval odds for select cards before you apply
- Check if you have pre-approved card offers
See your best matches based on you
- Simply sign in to see the credit cards that best match you
- Compare your best options and make your choice
- We apply your FICO® Score so you can apply with confidence
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
Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
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Annual Fee
$0.00
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Credit Recommended
No to Good Credit
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Regular Purchase APR
0.00%
- Full Details
Highlights
- Credit for everyone – Regardless of your credit history!
- Get paid up to 2 days faster – Using Direct Deposit.
- Build credit not debt.
- Grow your savings – Earn up to a 4.00% Bonus on Savings Pods
Destiny® 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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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
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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Credit Recommended
Fair/Good
-
Regular Purchase APR
See Terms
- Full Details
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
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
See Terms
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Credit Recommended
Bad/Poor/Fair
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Regular Purchase APR
35.9%
- Full Details
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.
Ava
NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.
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Card Brand
MasterCard®
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Rewards Rate
See Terms
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Annual Fee
Starting at just $6/month for the annual plan
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
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
PREMIER Bankcard® Mastercard® Credit Card
Pre-qualify with no impact to your credit score
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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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Credit Recommended
Fair/Poor
-
Regular Purchase APR
See Provider Website
- Full Details
Highlights
- Pre-qualify with no impact to your credit score.
- Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- Our mobile app helps you keep track of your spending and payments for greater financial control.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
Firstcard® Secured Credit Builder Card
No credit check or hard inquiry
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Card Brand
MasterCard®
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Rewards Rate
Earn up to 15% cashback at selected merchants
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Annual Fee
0.00
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Credit Recommended
No Credit, Limited Credit
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Regular Purchase APR
0%
- Full Details
Highlights
Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.
BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
- No credit check or hard inquiry
- No overspending
- No interest, overdraft fee, late payment fee, or account minimum requirement
- We can approve your credit card application regardless of your credit history¹
- We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
- Applying for Firstcard does not impact your credit score
Net 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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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 Page