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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 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. Apply Here	Apply Here
Regular APR: 17.39% (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
Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today 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 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 Apply Here	Apply Here
Regular APR: 19.99% (V) Annual Fee: $29 Credit Needed: Poor/Limited/No Credit Credit Line: up to $2,000

First Progress Platinum Select MasterCard® Secured Credit Card
Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today 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 Apply Here	Apply Here
Regular APR: 13.99% (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!

Apply Here

Apply Here
Secure Application Site

Regular APR:
Annual Fee:
Credit Needed: Any Credit Welcome

First Progress Platinum Prestige MasterCard® Secured Credit Card
Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today No Credit History or Minimum Credit Score Required for Approval 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 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 Apply Here	Apply Here
Regular APR: 9.99% (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
Prequalify for a card today and it will not impact your credit score Less than perfect credit is okay Mobile account access at any time Protection from fraud if your card is stolen Account history is reported to the three major credit bureaus in the U.S. 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
Easy pre-qualification process which does not affect your credit score Less than perfect credit is okay 24/7 access to your account information, even on mobile Protection from fraud, if your card happens to be lost or stolen 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: $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% Annual Fee: $48 Credit Needed: Poor/Fair/Limited/Damaged Credit Line: See website for Details*

Reflex Mastercard®
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 TransUnion* (When you sign up for e-statements) 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: 25.90% - 29.99% Annual Fee: See Terms Credit Needed: Fair/Poor/Bad/Limited Late Payment Fee: Up to $40.00

FIT Mastercard®
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 TransUnion* (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 $40.00

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
Quick & Easy Approval in Less Than 60 Seconds! Reports to All Three Major 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 24/7 Online Account Access and Payment Options E-mail Payment reminders help you keep your account in good standing 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

Zebit - Buy Now & Pay Over Time
Get up $2,500 of credit to shop Zebit. No membership fees. No FICO score pulled. Easy and secure online application. Buy now and pay over time for electronics, furniture, appliances, toys, jewelry, apparel, eGift cards and more. Shop name brands including Apple, Nintendo, Samsung, LG, Fitbit, and more. Apply Here	Apply Here
Regular APR: See website for Details* Annual Fee: Credit Needed: Poor to Good Credit Line: Up to $2,500

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