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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
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* See Landing Page for Terms and Conditions
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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
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Regular APR: 21.89% (variable) Annual Fee: $35 Credit Needed: Poor Credit Line: $200-$3000 at time of application Late Payment Fee: Up to $38 |
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!
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Regular APR: 24.49% (V) Annual Fee: $29 Credit Needed: Poor/Limited/No Credit Credit Line: up to $2,000 |
First Progress Platinum Select Mastercard® Secured Credit Card |
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
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Regular APR: 18.49% (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!
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*See terms and conditions
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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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Regular APR: Annual Fee: Credit Needed: Any Credit Welcome |
First Progress Platinum Prestige Mastercard® Secured Credit Card |
- Earn 1% Cash Back Rewards on payments!
- No minimum credit history or credit score required.
- Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus.
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Apply Here | 
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Regular APR: 14.49% (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
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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.
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Regular APR: See Terms Annual Fee: See Terms Credit Needed: Fair/Bad |
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
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*Dependent on credit worthiness
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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 | 
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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
- Reports to all three major credit bureaus
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*Dependent on credit worthiness
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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 | 
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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
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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
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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
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Regular APR: 29.99% APR (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
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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
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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
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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
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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 24.49% - 33.99%
- $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
Apply Here | 
Apply Here
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Intro (Purchases): N/A Intro (Balance Transfers): N/A Regular APR: 24.49 - 33.99% Variable Annual Fee: $0 Credit Needed: Fair/Bad/Limited/No Credit |
Destiny Mastercard® Cashback Rewards |
- Earn 1.5% cashback rewards on all of your eligible purchases!
- Reports to all three major credit bureaus
- Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Apply Here | 
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Regular APR: 35.9% Annual Fee: $175 the first year; $49 thereafter Credit Needed: Poor to Good |
Destiny Mastercard® |
- 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 | 
Apply Here
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Regular APR: See terms Annual Fee: See terms Credit Needed: Poor to Good |
OpenSky® Plus Secured Visa® Credit Card |
- 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? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Get considered for an unsecured credit line increase after 6 months - no additional deposit
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- 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
- Offer 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 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Apply Here | 
Apply Here
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Regular APR: 29.24% (variable) Annual Fee: $0 Credit Needed: No credit, Poor, Fair Credit Line: $300-$3000 at time of application Late Payment Fee: Up to $40 |
See also Imagine Gold, Orchard Bank
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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