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

First Access Visa® Solid Black Credit Card

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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
- Easy and secure online application
- $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
- Select your favorite card design from our gallery, for free!
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
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Fit Mastercard® Credit 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 N/A
Card Features
- 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 that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
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OpenSky® Secured Visa® Credit Card

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Credit Suggested: Bad / No
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR 17.39% (variable)
- Annual Fee $35
- Application Processing Fee See Terms
Card Features
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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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 25.90% - 29.99% (Variable)
- Annual Fee $75 - $99
- Application Processing Fee See Terms*
Card Features
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- 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
- Free online account access 24/7
- Checking Account Required
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Group One Freedom 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
- Bad Credit, Low Score? No Problem!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
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Total Visa® Unsecured Credit 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
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
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First Progress Platinum Select Mastercard® Secured Credit Card

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Credit Suggested: Poor/Limited/No
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR 13.99% (V)
- Annual Fee $39
- Application Processing Fee N/A
Card Features
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
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Indigo® Mastercard® for Less than Perfect Credit

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Credit Suggested: Bad/Poor
- Intro APR Purch. (Intro Period) N/A
- Intro APR Bal. Tr. (Intro Period) N/A
- Regular APR 24.9%
- Annual Fee $0 - $99
- Application Processing Fee See terms
Card Features
- Pre-qualify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
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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.

Credit Card News

20May

COVID-19 Makes Consumers Use Credit Cards More Often

Bankrate has recently conducted a survey of U.S. consumers’ payment habits amid the coronavirus. According to it, the number of Americans paying for grocery purchases with credit cards...

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Customer Questions

At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?

Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) after you make $1,000 or more in purchases...

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