Bad Credit Credit Card Deals

If you have bad credit and want to get good credit history, this page has credit cards for you to build some good credit history, provided you make on-time minimum payments with all of your creditors and keep account balances low relative to the credit limits. If you make payments in a timely fashion, your options will be wider in the future.

Recommended by our experts

Surge Mastercard®

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Credit Suggested: Fair/Bad
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR See Terms*
- Annual Fee See Terms*
- Application Processing Fee N/A
Card Features
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus.
- Initial Credit Limit of $500.00!* (subject to available credit).
- Fast and easy application process; results in seconds.
- Use your card at locations everywhere that Mastercard® is accepted.
- Free online account access 24/7.
- Checking Account Required.
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First Access Visa

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Credit Suggested: Fair/Bad
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR See Terms*
- Annual Fee See Terms*
- Application Processing Fee See Terms*
Card Features
- Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application
- If approved, pay a Processing Fee and you can access the $300 credit limit (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 Mid America Bank & Trust Company, Member: FDIC
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Horizon Gold Credit Card

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Credit Suggested: Bad
- Intro APR Purch. (Intro Period) n/a
- Intro APR Bal. Tr. (Intro Period) n/a
- Regular APR 0.00%
- Annual Fee See Terms
- Application Processing Fee See Terms
Card Features
- Must have Active Debit Card or Credit Card to qualify.
- $500 Credit Limit.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
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Total Visa Card

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Credit Suggested: Bad/Fair
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR See Terms*
- Annual Fee See Terms*
- Application Processing Fee See Terms*
Card Features
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine VISA card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Processing Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
- No-Fee credit line increase opportunities!
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Total Visa Card

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Apply Online
Credit Suggested: Bad/Fair
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR See Terms*
- Annual Fee See Terms*
- Application Processing Fee See Terms*
Card Features
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine VISA card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Processing Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
- No-Fee credit line increase opportunities!
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WebBank/Fingerhut Credit Account

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Credit Suggested: Bad
- Intro APR Purch. (Intro Period) n/a
- Intro APR Bal. Tr. (Intro Period) n/a
- Regular APR See Terms
- Annual Fee $0
- Application Processing Fee See Terms
Card Features
- No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
- No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
- Instant Response (Delays may occur depending on application data provided).
- Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
- Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
- Choose From Over 450,000 items.
- Shop Great Brands at Fingerhut.com.
- Get the Credit You Deserve.
- We just love saying "YES!"
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Total Visa Card

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Apply Online
Credit Suggested: Bad/Fair
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR See Terms*
- Annual Fee See Terms*
- Application Processing Fee See Terms*
Card Features
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine VISA card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Processing Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
- No-Fee credit line increase opportunities!
More Details
National Credit Direct

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Credit Suggested: Any
- Intro APR Purch. (Intro Period) n/a
- Intro APR Bal. Tr. (Intro Period) n/a
- Regular APR 0.0%
- Annual Fee $49
- Application Processing Fee $0
Card Features
- Shop Brand Name Electronics.
- No Turn Downs.
- Credit Limit of Up To $3,500.⁶
- 0% APR.
- Reward Points for every dollar spent.
- Low Flexible Payments.
- Reports to Major Credit Bureau.
- Bad Credit - OK.
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Credit Cards for Bad Credit

FICO scores that range between 350 and 639 are considered bad credit. Borrowers with a bad credit history may have trouble when searching for credit card applications because there are not many good credit card offers for people with bad credit.

There are two types of credit cards for people with bad credit history: secured and unsecured cards. The main advantage of secured cards is that they are easier to qualify for because they require a collateral deposit. Unsecured credit cards do not require a collateral deposit but may have application fees.

Shop around when choose the best card for your needs. Take your time to review the terms of the cards designed for customers with bad credit. Check out interest rates as well as set-up and annual fees. Choose the best deal and submit your application online.

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