Credit Cards for Any Credit History

Getting a credit card can be a daunting task, especially if your credit score is less than ideal or if you are just starting to build your credit. However, we have made it easier for you to find issuers who are willing to work with you. Each of these credit cards has been handpicked based on their secure application process, transparent bank rates, and clear credit terms. The application process is quick and simple, so let’s explore your options below.

☆   Card Spotlight
TODAY’S FEATURED CARD

Experian Credit Match

Get matched to credit cards based on your credit profile

  • Rating

      

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Annual Fee

    See Terms

  • Updated For

    Wed 28 Feb 2024

  • Full Details

    Card Page

Chime Credit Builder Visa® Credit Card

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0.00

  • Credit Recommended

    Limited to Good

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:

  • A Chime Visa® Debit Card
  • A Checking Account
  • Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across checking and saving that align with our members’ interests. They use us because of features like:

  • Fee-free overdraft through SpotMe® ˆ: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200ˆ on debit card purchases without charging a fee.
  • No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
  • Get your paycheck early**: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
  • Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

 

Card Details Page

GO2bank

Get your pay up to 2 days early - Get your government benefits up to 4 days early.*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    0.00

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

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 Page

Destiny Mastercard®

Less than perfect credit is okay, even with a prior bankruptcy!

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Poor to Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

  • 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!
Card Details Page

Surge® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms*

  • Credit Recommended

    Bad/Fair

  • Regular Purchase APR

    See Terms*

  • Full Details

    Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Give Your Credit a Surge

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

How it Works

The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!

Why Choose the Surge Card?

If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.

Get Approved Today!

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

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

  • Credit Recommended

    Fair/Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

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

Self Credit Builder + Credit Card Combo

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    One Time $9 - $15 Account Fee (Varies by Product)

  • Credit Recommended

    No Credit History

  • Regular Purchase APR

    12.03% - 15.98% (Varies by Product)

  • Full Details

    Card Page

Highlights

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you’ve built credit history and your CD savings unlocks
Card Details Page

Perpay

Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

  • Card Brand

    MasterCard®

  • Rewards Rate

    Earn 3% ¹ rewards to shop your favorite products and brands on the Perpay Marketplace.²

  • Annual Fee

    $0.00

  • Credit Recommended

    Any Credit

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Shop, build credit, pay over time with your paycheck.
We make everyday purchases more accessible and help you build credit along the way.

Shop the Perpay Marketplace
Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

Take Perpay on the go
Swipe the Perpay Credit Card anywhere Mastercard is accepted. Earn 3% ¹ rewards to shop your favorite products and brands on the Perpay Marketplace.²

Build Credit with Perpay
With automatic payments from your paycheck, Perpay makes it easy to build positive credit history. See your credit score increase by 36 points (on average) within the first 6 months.

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

  • 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

Dave

Get up to $500 instantly (1) with ExtraCash™ from Dave

  • Card Brand

    MasterCard®

  • Rewards Rate

    See Terms

  • Annual Fee

    See Terms

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

Dave.com – Bank, Budget, Build Credit & Find Work

If you need cash in a hurry, and you qualify, Dave can spot you up to $500. Buy gas or groceries. Pay bills or rent. No credit check and no interest!

Get up to $500 instantly (1) with ExtraCash™ from Dave. There’s no interest, credit check, or late fees. With a Dave Spending account, you can also get your paychecks up to two days earlier (2).

Earn cash back with Dave Rewards (3), save money with Dave Goals, and ​​if you want to make more money, Dave can help there too! With Side Hustle, you can easily find and apply for side jobs and get that cash.

Join millions of people building a better financial future with Dave!

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Card Details Page

Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    n/a

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

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 $200, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.
Card Details Page

Destiny® Mastercard® with Instant Credit

Instant: Once approved, add your card to your mobile wallet and shop today.

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Poor to Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

  • Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
  • Get the Destiny® Mastercard® in your mobile wallet today.
  • Apply today and shop today!
  • Instant: Once approved, add your card to your mobile wallet and shop today.
  • Easy: We’ll help you add your card to your mobile wallet for instant access.
  • Convenient: Use in-store, online or in-app to shop today.
  • Get started now so you can shop today! – Shop today with Apple Pay® or Google Pay ™
  • Start shopping today in-store, online or in-app using your mobile wallet.
  • Shop today! Don’t wait!
  • Start shopping right away.
  • Get started now so you can shop today!
  • Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
  • Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
  • Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
  • Start shopping today with Destiny Mastercard, apply now!
Card Details Page

Arro Card

All credit types accepted

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $3/month; $1/month for the 1st year

  • Credit Recommended

    All Credit Types Accepted

  • Regular Purchase APR

    16% Variable

  • Full Details

    Card Page

Highlights

  • All credit types accepted.
  • Arro’s soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
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

    See Terms

  • Credit Recommended

    Bad/Poor/Fair

  • Regular Purchase APR

    35.9%

  • Full Details

    Card Page

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

Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • 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

Current Build Visa® Credit Card

Credit for everyone - Regardless of your credit history!

  • Card Brand

    Visa®

  • Rewards Rate

    Earn up to a 4.00% Bonus on Savings Pods

  • Annual Fee

    $0.00

  • Credit Recommended

    Limited/No Credit, Bad/Damaged, Fair

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

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
Card Details Page

View All Other Cards

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Excellent Credit

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Good Credit

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Fair Credit

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Poor Credit

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Bad Credit

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Limited Credit

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No Credit