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Credit Cards for People with Bad Credit

You can get secured and unsecured credit even with bad credit. Our bad credit visa/mastercards are listed below. Please read the following offers and apply. You want to make sure your credit cards report to all 3 credit bureaus, which these cards do. Some other things to look for, are low interest rates. (From our Partners)

First Premier Lending

* See Landing Page for Terms and Conditions


Apply Here
  • Flexible Payments
  • Get Your Funds Fast
  • All Credit Types
  • Safe & Secure

Apply Here
Regular APR:
Annual Fee:
Credit Needed: Any Credit Welcome
OpenSky® Secured Visa® Credit Card


Apply Here
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Apply Here
Regular APR: 25.64% (variable)
Annual Fee: $35
Credit Needed: Poor
Credit Line: $200-$3000 at time of application
Late Payment Fee: Up to $40
First Progress Platinum Elite Mastercard® Secured Credit Card


Apply Here
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 25.24% (V)
Annual Fee: $29
Credit Needed: Poor/Limited/No Credit
Credit Line: up to $2,000
First Progress Platinum Select Mastercard® Secured Credit Card


Apply Here
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 19.24% (V)
Annual Fee: $39
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
Next Payday Advance


Apply Here

Is Next Payday Too Far Away?

Apply now and get matched with a payday advance to suit your needs today.

  • Quick online approval
  • Cover unexpected expenses
  • Increase cash flow before payday
  • Funds wired directly to your bank account

Avoid falling behind with Next Payday Advance!


Apply Here
Regular APR:
Annual Fee:
Credit Needed: Any Credit Welcome
First Progress Platinum Prestige Mastercard® Secured Credit Card


Apply Here
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 15.24% (V)
Annual Fee: $49
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
Indigo® Mastercard® for Less than Perfect Credit


Apply Here
  • 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.

Apply Here
Intro (Purchases): N/A
Intro (Balance Transfers): N/A
Regular APR: 35.9%
Annual Fee: $175 - $199
Credit Needed: Bad/Poor/Fair
Applied Bank® Secured Visa® Gold Preferred® Credit Card


Apply Here
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

Apply Here
Regular APR: 9.99% Fixed
Annual Fee: $48
Credit Needed: Poor/Fair/Limited/Damaged
Credit Line: $200 - $1,000
Total Visa® Card


Apply Here

Apply Here
Regular APR: 35.99%*
Annual Fee: $75.00 1st year, $48.00 after*
Credit Needed: Fair/Bad Credit
Reflex® Platinum Mastercard®


Apply Here
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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

Apply Here
Regular APR: 35.90% Fixed
Annual Fee: $75 - $125
Credit Needed: Fair/Poor/Bad/Limited
Late Payment Fee: Up to $41.00
Rates & Fees
FIT™ Platinum Mastercard®


Apply Here
  • $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
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

Apply Here
Regular APR: 35.90% Fixed
Annual Fee: $99 introductory fee for the first year, then $125 thereafter
Credit Needed: Fair/Poor/Bad
Late Payment Fee: Up to $41.00
Best Credit Cards


Apply Here
  • Compare our current best credit card offers to find the one that best suits your needs
  • See the best credit cards by category including cash back, travel, business and student
  • Earn 1.5% cash back on all purchases or 2X points on travel and dining expenses
  • Best card selections updated often – click to see the latest rankings
  • Terms may vary by partner offer. Please see each bank's application for terms and conditions
  • Clicking will take you to CreditSoup.com to compare Best Credit Cards from participating partners

Apply Here
Intro (Purchases): See website for Details*
Intro (Balance Transfers): See website for Details*
Regular APR: See website for Details*
Annual Fee: See website for Details*
Credit Needed: Average/Fair/Limited/Poor/Good/Excellent
First Digital Mastercard®


Apply Here
  • 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

Apply Here
Regular APR: 35.99%*
Annual Fee: $75.00 1st year, $48.00 after*
Credit Needed: Poor/Damaged/Fair
Applied Bank® Unsecured Classic Visa® Card


Apply Here
  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments

Apply Here
Regular APR: 29.99%
Annual Fee: See website for Details*
Credit Needed: Poor/Damaged Credit
Late Payment Fee: Up to $38
Destiny Mastercard®


Apply Here
  • 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!

Apply Here
Regular APR: See terms
Annual Fee: See terms
Credit Needed: Poor to Good
OpenSky® Plus Secured Visa® Credit Card


Apply Here
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Apply Here
Regular APR: 29.99% (variable)
Annual Fee: $0
Credit Needed: No credit, Poor, Fair
Credit Line: $300-$3000 at time of application
Late Payment Fee: Up to $40
Imagine® Visa® Credit Card


Apply Here
  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Credit Score†
  • The Imagine Card is issued by WebBank
    *See Program Terms for important information about the cash back rewards program.
    **Zero liability subject to Visa’s Zero Liability Policy.
    † Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.

Apply Here
Regular APR: 29.99% or 36% Fixed
Annual Fee: As low as $85
Credit Needed: Fair/Poor
Credit Line: Up to $1,000 credit limit subject to credit approval

See also Imagine Gold, Orchard Bank

First Premier Lending

* See Landing Page for Terms and Conditions


Apply Here
  • Flexible Payments
  • Get Your Funds Fast
  • All Credit Types
  • Safe & Secure

Apply Here
Regular APR:
Annual Fee:
Credit Needed: Any Credit Welcome
OpenSky® Secured Visa® Credit Card


Apply Here
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Apply Here
Regular APR: 25.64% (variable)
Annual Fee: $35
Credit Needed: Poor
Credit Line: $200-$3000 at time of application
Late Payment Fee: Up to $40
First Progress Platinum Elite Mastercard® Secured Credit Card


Apply Here
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 25.24% (V)
Annual Fee: $29
Credit Needed: Poor/Limited/No Credit
Credit Line: up to $2,000
First Progress Platinum Select Mastercard® Secured Credit Card


Apply Here
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 19.24% (V)
Annual Fee: $39
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
Next Payday Advance


Apply Here

Is Next Payday Too Far Away?

Apply now and get matched with a payday advance to suit your needs today.

  • Quick online approval
  • Cover unexpected expenses
  • Increase cash flow before payday
  • Funds wired directly to your bank account

Avoid falling behind with Next Payday Advance!


Apply Here
Regular APR:
Annual Fee:
Credit Needed: Any Credit Welcome
First Progress Platinum Prestige Mastercard® Secured Credit Card


Apply Here
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 15.24% (V)
Annual Fee: $49
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
Indigo® Mastercard® for Less than Perfect Credit


Apply Here
  • 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.

Apply Here
Intro (Purchases): N/A
Intro (Balance Transfers): N/A
Regular APR: 35.9%
Annual Fee: $175 - $199
Credit Needed: Bad/Poor/Fair
Applied Bank® Secured Visa® Gold Preferred® Credit Card


Apply Here
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

Apply Here
Regular APR: 9.99% Fixed
Annual Fee: $48
Credit Needed: Poor/Fair/Limited/Damaged
Credit Line: $200 - $1,000
Total Visa® Card


Apply Here

Apply Here
Regular APR: 35.99%*
Annual Fee: $75.00 1st year, $48.00 after*
Credit Needed: Fair/Bad Credit
Reflex® Platinum Mastercard®


Apply Here
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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

Apply Here
Regular APR: 35.90% Fixed
Annual Fee: $75 - $125
Credit Needed: Fair/Poor/Bad/Limited
Late Payment Fee: Up to $41.00
Rates & Fees
FIT™ Platinum Mastercard®


Apply Here
  • $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
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

Apply Here
Regular APR: 35.90% Fixed
Annual Fee: $99 introductory fee for the first year, then $125 thereafter
Credit Needed: Fair/Poor/Bad
Late Payment Fee: Up to $41.00
Best Credit Cards


Apply Here
  • Compare our current best credit card offers to find the one that best suits your needs
  • See the best credit cards by category including cash back, travel, business and student
  • Earn 1.5% cash back on all purchases or 2X points on travel and dining expenses
  • Best card selections updated often – click to see the latest rankings
  • Terms may vary by partner offer. Please see each bank's application for terms and conditions
  • Clicking will take you to CreditSoup.com to compare Best Credit Cards from participating partners

Apply Here
Intro (Purchases): See website for Details*
Intro (Balance Transfers): See website for Details*
Regular APR: See website for Details*
Annual Fee: See website for Details*
Credit Needed: Average/Fair/Limited/Poor/Good/Excellent
First Digital Mastercard®


Apply Here
  • 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

Apply Here
Regular APR: 35.99%*
Annual Fee: $75.00 1st year, $48.00 after*
Credit Needed: Poor/Damaged/Fair
Applied Bank® Unsecured Classic Visa® Card


Apply Here
  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments

Apply Here
Regular APR: 29.99%
Annual Fee: See website for Details*
Credit Needed: Poor/Damaged Credit
Late Payment Fee: Up to $38
Destiny Mastercard®


Apply Here
  • 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!

Apply Here
Regular APR: See terms
Annual Fee: See terms
Credit Needed: Poor to Good
OpenSky® Plus Secured Visa® Credit Card


Apply Here
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Apply Here
Regular APR: 29.99% (variable)
Annual Fee: $0
Credit Needed: No credit, Poor, Fair
Credit Line: $300-$3000 at time of application
Late Payment Fee: Up to $40
Imagine® Visa® Credit Card


Apply Here
  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Credit Score†
  • The Imagine Card is issued by WebBank
    *See Program Terms for important information about the cash back rewards program.
    **Zero liability subject to Visa’s Zero Liability Policy.
    † Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.

Apply Here
Regular APR: 29.99% or 36% Fixed
Annual Fee: As low as $85
Credit Needed: Fair/Poor
Credit Line: Up to $1,000 credit limit subject to credit approval

Editorial Note

The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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All of the card offers that appear on this site are from companies from which Creditimes.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Creditimes.com does not include all card companies or all card offers available in the marketplace.