fbpx

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

  • Annual Fee

    See Terms

  • Updated For

    Fri 29 Sep 2023

  • Full Details

    Card Page

First Access Visa® Card

Perfect credit not required for approval; we may approve you when others won’t

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Fair

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

Card Details Page

PREMIER Bankcard® Mastercard® Credit Card

Just complete the short application and receive a response in 60 seconds.

  • 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

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.

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

Total Visa® Card

$300 credit limit (subject to available credit)

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Fair/Bad Credit

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

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

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

First Digital Mastercard®

Get a result in as little as 60 seconds upon completion of the online application.

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Poor/Damaged/Fair

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details

 

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just moments to apply.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC
Card Details Page

Chime® Debit 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.

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.

1The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

2The average national savings account interest rate of 0.21% is determined by FDIC as of November 17, 2022 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit National Rates and Rate Caps to learn more. Visit National Rates and Rate Caps to learn more.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

^^Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

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

Revvi Card

Fast and easy application; response provided in seconds

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Fair

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

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

FIT® Platinum Mastercard®

Fast & Easy Application; Results Online in Seconds

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $See Terms*

  • Credit Recommended

    Bad to Fair

  • Regular Purchase APR

    See Terms*

  • Full Details

    Card Page

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • 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)
Card Details Page

Reflex® Platinum Mastercard®

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

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms*

  • Credit Recommended

    Bad to 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)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

* 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

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

OpenSky® Secured Visa® Credit Card

No credit check to apply and find out instantly if you are approved

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $35

  • Credit Recommended

    Poor

  • Regular Purchase APR

    22.64% (variable)

  • Full Details

    Card Page

Highlights

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
Card Details Page

Unique Platinum

Guaranteed $1000 Credit Line! Get the things you want today!*

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    $19.95

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    $0

  • Full Details

    Card Page

Highlights

Guaranteed $1000 Credit Line! Get the things you want today!*

  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Card Details Page

View All Other Cards

blank

Excellent Credit

blank

Good Credit

blank

Fair Credit

blank

Poor Credit

blank

Bad Credit

blank

Limited Credit

blank

No Credit