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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
Flexible Payments Get Your Funds Fast All Credit Types Safe & Secure Apply Here	* See Landing Page for Terms and Conditions Apply Here
Regular APR: Annual Fee: Credit Needed: Any Credit Welcome

OpenSky® Secured Visa® Credit Card
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 Apply Here	Apply Here
Regular APR: 20.39% (variable) Annual Fee: $35 Credit Needed: Poor Credit Line: $200-$3000 at time of application Late Payment Fee: Up to $38

The First Progress Platinum Elite Mastercard® Secured Credit Card
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; No credit inquiry required! Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users! 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; available in all 50 US states *See Card Terms. Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined. ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia. Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard! Apply Here	Apply Here
Regular APR: 23.74% (V) Annual Fee: $29 Credit Needed: Poor/Limited/No Credit Credit Line: up to $2,000

First Progress Platinum Select Mastercard® Secured Credit Card
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; No credit inquiry required! Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users! 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; available in all 50 US states *See Card Terms. Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined. ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia. Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard! Apply Here	Apply Here
Regular APR: 17.74% (V) Annual Fee: $39 Credit Needed: Poor/Limited/No Credit Credit Line: $2,000

Unique Platinum
$1000 Credit Limit No Credit Checks Instant Approval 0% Financing No application denied for bad credit! Apply Here	*See terms and conditions Apply Here
Regular APR: 0% Annual Fee: Credit Needed: Any Credit Welcome Credit Line: $1,000

Next Payday Advance

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!

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Credit Needed: Any Credit Welcome

First Progress Platinum Prestige Mastercard® Secured Credit Card
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; No credit inquiry required! Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users! 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; available in all 50 US states *See Card Terms. Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined. ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia. Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard! Apply Here	Apply Here
Regular APR: 13.74% (V) Annual Fee: $49 Credit Needed: Poor/Limited/No Credit Credit Line: $2,000

NetLoanExpress
No References Needed No Upfront Fees Bad Credit OK Direct Deposit Available Apply Here	Apply Here
Regular APR: Annual Fee: Credit Needed: Any Credit Welcome

First Access Visa® Card
Checking Account Required 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) The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc. Apply Here	Apply Here
Regular APR: See Terms Annual Fee: See Terms Credit Needed: Fair/Bad

Auto Credit Express®
Good credit, bad credit, no credit. 93% approval nationwide. Quick & Easy application. Apply Here	Apply Here
Regular APR: Annual Fee: Credit Needed: Any Credit Welcome

Milestone® Mastercard® - Less Than Perfect Credit Considered
24/7 access to your account information, even on mobile Accepted at nationwide, wherever Mastercard is accepted Access your account online or from your mobile device 24/7 Account history is reported to the three major credit bureaus in the U.S Card designs to fit your personality at no extra charge Choice of card image at no extra charge Don't have perfect credit? No problem! Easy pre-qualification process which does not affect your credit score Fraud protection for stolen or lost cards Less than perfect credit is okay Less than perfect credit is okay, even with a prior bankruptcy! Mobile account access at any time Multiple card design options to choose from at no extra charge No security deposit required Pick from multiple card designs at no extra charge Prequalify for a card today and it will not impact your credit score Pre-qualifying today will not affect your credit score Protection from fraud if your card is stolen Protection from fraud, if your card happens to be lost or stolen Simple and fast application process Unsecured credit card, no deposit required An unsecured Mastercard for less than perfect credit Get the convenience of an unsecured Mastercard, even with less than perfect credit Get the flexibility of an unsecured Mastercard, even with less than perfect credit No security deposit required, even with less than perfect credit Use nationwide wherever Mastercard is accepted Reports to all three major credit bureaus Worry-free fraud protection if your card is lost or stolen Fraud protection from unauthorized charges Quick and easy pre-qualification process Enjoy easy online account access 24/7 Access your account online 24/7 at no additional cost 24/7 mobile account access Chip technology for your convenience and security Choose your card design with chip technology at no additional cost EMV chip included for added peace of mind Chip card technology for additional fraud protection An unsecured card perfect for everyday purchases Get access to the credit you need, no deposit required Cover your Apply Here	*Dependent on credit worthiness Apply Here
Intro (Purchases): N/A Intro (Balance Transfers): N/A Regular APR: 24.9% Annual Fee: $35 - $99* Credit Needed: Poor/Bad

MaxCarLoan
Bad Credit? No Problem. No Application Fees. No Obligations. Fast Decisions. Apply Here	Apply Here
Regular APR: Annual Fee: Credit Needed: Any Credit Welcome

Milestone® Mastercard® - Unsecured For Less Than Perfect Credit
24/7 access to your account information, even on mobile Accepted at nationwide, wherever Mastercard is accepted Access your account online or from your mobile device 24/7 Account history is reported to the three major credit bureaus in the U.S Card designs to fit your personality at no extra charge Choice of card image at no extra charge Don't have perfect credit? No problem! Easy pre-qualification process which does not affect your credit score Fraud protection for stolen or lost cards Less than perfect credit is okay Less than perfect credit is okay, even with a prior bankruptcy! Mobile account access at any time Multiple card design options to choose from at no extra charge No security deposit required Pick from multiple card designs at no extra charge Prequalify for a card today and it will not impact your credit score Pre-qualifying today will not affect your credit score Protection from fraud if your card is stolen Protection from fraud, if your card happens to be lost or stolen Simple and fast application process Unsecured credit card, no deposit required An unsecured Mastercard for less than perfect credit Get the convenience of an unsecured Mastercard, even with less than perfect credit Get the flexibility of an unsecured Mastercard, even with less than perfect credit No security deposit required, even with less than perfect credit Use nationwide wherever Mastercard is accepted Reports to all three major credit bureaus Worry-free fraud protection if your card is lost or stolen Fraud protection from unauthorized charges Quick and easy pre-qualification process Enjoy easy online account access 24/7 Access your account online 24/7 at no additional cost 24/7 mobile account access Chip technology for your convenience and security Choose your card design with chip technology at no additional cost EMV chip included for added peace of mind Chip card technology for additional fraud protection An unsecured card perfect for everyday purchases Get access to the credit you need, no deposit required Cover your Apply Here	*Dependent on credit worthiness Apply Here
Intro (Purchases): N/A Intro (Balance Transfers): N/A Regular APR: 24.9% Annual Fee: $35 - $99* Credit Needed: Poor/Bad

Indigo® Mastercard® for Less than Perfect Credit
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. Apply Here	Apply Here
Intro (Purchases): N/A Intro (Balance Transfers): N/A Regular APR: 24.9% Annual Fee: $0 - $99 Credit Needed: Bad/Poor

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

Total Visa® Card
Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion! Checking Account Required Fast and easy application process; response provided in seconds A genuine Visa credit 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 Apply Here	Apply Here
Regular APR: See Terms Annual Fee: See Terms Credit Needed: Fair/Bad Credit

Reflex® Platinum Mastercard®
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 Free 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	Apply Here
Regular APR: 24.99% - 29.99% (Variable) Annual Fee: See Terms Credit Needed: Fair/Poor/Bad/Limited Late Payment Fee: Up to $41.00

FIT® Platinum Mastercard®
$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 Apply Here	Apply Here
Regular APR: 29.99% Annual Fee: See Terms Credit Needed: Fair/Poor/Bad Late Payment Fee: Up to $41.00

Best Credit Cards
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	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

Destiny Mastercard®
All the benefits of a Mastercard, without a security deposit Keeping your account in good standing may help establish and/or improve your credit history Less than perfect credit is okay, even with a prior bankruptcy! Prequalify for a card today and it will not impact your credit score Reports to all three major credit bureaus Apply Here	Apply Here
Regular APR: 24.9% Annual Fee: $59-$99 Credit Needed: Poor to Good

Applied Bank® Unsecured Classic Visa® Card
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	Apply Here
Regular APR: 29.99% Annual Fee: See website for Details* Credit Needed: Poor/Damaged Credit Late Payment Fee: Up to $38

Petal® 1 "No Annual Fee" Visa® Credit Card
$0 Annual Fee Variable APRs range from 23.74% - 33.24% $300 - $5,000 credit limits Earn a credit limit increase in as little as 6 months. Terms and conditions apply. No credit score? No problem. If eligible, we'll create your Cash Score instead. 2% - 10% cash back at select merchants See if you're pre-approved within minutes without impacting your credit score. No annual or foreign transaction fees. Build credit alongside hundreds of thousands of Petal card members. Petal's mobile app makes it easy to manage your money, track your spending, and automate payments. Petal reports to all 3 major credit bureaus No deposits required Card issued by WebBank, Member FDIC Apply Here	Apply Here
Intro (Purchases): N/A Intro (Balance Transfers): N/A Regular APR: 23.74% - 33.24% Variable Annual Fee: $0 Credit Needed: Fair/Bad/Limited/No Credit

Destiny Mastercard® Cashback Rewards
24/7 access to your account information, even on mobile 24/7 access to your account, even on mobile! 24/7 mobile account access Accepted nationwide, wherever Mastercard is accepted Access your account online 24/7 at no additional cost Access your account online or from your mobile device 24/7 Account history is reported to the three major credit bureaus in the U.S All the benefits of a Mastercard, without a security deposit An unsecured card perfect for everyday purchases An unsecured Mastercard for less than perfect credit Card designs to fit your personality at no extra charge Chip card technology for additional fraud protection Chip technology for your convenience and security Choice of card image at no extra charge Choose your card design at no additional cost Choose your card design with chip technology at no additional cost Cover your everyday needs without a deposit Don't have perfect credit? No problem! EMV chip included for added peace of mind Enjoy easy online account access 24/7 Fraud protection for stolen or lost cards Fraud protection from unauthorized charges Get access to the credit you need, no deposit required Get the convenience of an unsecured Mastercard, even with less than perfect credit Get the flexibility of an unsecured Mastercard, even with less than perfect credit Keeping your account in good standing may help establish and/or improve your credit history Less than perfect credit histories can qualify, even with prior bankruptcy! Less than perfect credit is okay Less than perfect credit is okay, even with a prior bankruptcy! Mobile account access at any time Mobile friendly online access Multiple card design options to choose from at no extra charge Multiple card designs to choose from, no extra charge No security deposit No security deposit needed No security deposit required No security deposit required, even with less than perfect credit Online servicing available 24/7 at no additional cost Pick from multiple card designs at no extra charge Protection from fraud if your card is Apply Here	Apply Here
Regular APR: 35.9% Annual Fee: $175 the first year; $49 thereafter Credit Needed: Poor to Good

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