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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
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	Earn up to 10% cash back on everyday purchases No credit check required – 89% approval rate with zero credit risk to apply! Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay Start with just $200—secure your credit line with a refundable deposit Fast and easy application—apply in minutes with our mobile-first experience Flexible payment options—pick a due date that works for you More time to fund—spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky® to build better credit! Apply Here
Regular APR: 24.64% (variable) Annual Fee: $35 Credit Needed: No credit, Poor, Fair Credit Line: $200-$3000 at time of application Late Payment Fee: Up to $41

First Progress Platinum Select Mastercard® Secured Credit Card
Apply Here	Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ ¹Cardholders 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: 18.24% (V) Annual Fee: $39 Credit Needed: Poor/Limited/No Credit Credit Line: $2,000

First Progress Platinum Prestige Mastercard® Secured Credit Card
Apply Here	Earn 1% Cash Back Rewards with First Progress Prestige! Apply now and fund your security deposit over 90 days with the option to make partial payments. You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹ Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ All credit types welcome to apply! ¹Cardholders 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: 14.24% (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 Rates & Fees

Total Visa® Card
Apply Here	An initial credit limit Up To $500! (See terms) Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card. Checking account required. Free credit monitoring powered by TransUnion® Fast and easy application process. All credit types welcome to apply. See Rates, Fees, Costs & Limitations for complete offer details See Total Card Visa Rewards Programs Terms & Conditions for details Apply Here
Regular APR: 35.99%* Annual Fee: See Terms* Credit Needed: Fair/Bad Credit

Reflex® Platinum Mastercard®
Apply Here	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines) 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 Initial Credit Limit Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines) Apply Here
Regular APR: 35.90% Fixed Annual Fee: See terms 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

Revvi Card
Apply Here	An initial credit limit Up To $500 (See terms) Earn 1% Cash Back Rewards^^ on payments made to your Revvi Credit Card! Opportunity to request credit limit increase after twelve months, fee applies. Fast and easy application process. Reports monthly to all three major credit bureaus. See Rates, Fees, Costs & Limitations for complete offer details ^^See Revvi Rewards Programs Terms & Conditions for details Apply Here
Regular APR: 35.99%* Annual Fee: See Terms* Credit Needed: Poor/Fair Rates & Fees

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	No annual fee – keep more money in your pocket! No credit check required – 89% approval rate with zero credit risk to apply! Earn up to 10% cash back on everyday purchases Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay Start with as little as $300 – Secure your line with a refundable security deposit Fast and easy application—apply in minutes with our mobile-first experience Flexible payment options—pick a due date that works for you More time to fund—spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky® to build better credit! Apply Here
Regular APR: 28.99% (variable) Annual Fee: $0 Credit Needed: No credit, Poor, Fair Credit Line: $300-$3000 at time of application Late Payment Fee: Up to $41

Imagine® Visa® Credit Card
Apply Here	Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases Up to $1,000 credit limit subject to credit approval $0 fraud liability** No Security Deposit The Imagine Card is issued by WebBank Review Cardholder Agreement for rate and fee information See Program Terms for important information about the cash back rewards program. *Zero liability subject to Visa’s Zero Liability Policy. Apply Here
Regular APR: 36% Fixed Annual Fee: As low as $99 Credit Needed: Fair/Poor Credit Line: Up to $1,000 credit limit subject to credit approval

OpenSky Launch Secured Visa® Credit Card
Apply Here	Start building credit with just $100 – secure you line with a low, refundable security deposit No credit check required – 89% approval rate with zero credit risk to apply! Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter Earn up to 10% cash back on everyday purchases Affordable payments – minimum payment as low as $10 Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay Fast and easy application—apply in minutes with our mobile-first experience Flexible payment options—pick a due date that works for you More time to fund—spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky® to build better credit! Apply Here
Regular APR: 28.99% (variable) Annual Fee: $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in Credit Needed: No credit, Poor, Fair Credit Line: $100- $1,000 Late Payment Fee: Up to $41

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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.