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Credit cards for those with bad credit

Our Featured Card
Capital One® Secured MasterCard®
Click to see Credit Card details
  • Purchase APR:22.9% (V)
  • Annual Fees:$29
Apply Now

During the recession, millions of consumers saw their credit ratings fall considerably, and many saw those scores dip so low that they were no longer able to qualify for many loans or credit cards.

Now, with the economy recovering and a large number of Americans feeling better about their personal finances, many people are now looking for new credit card applications for those with bad credit. More...

 
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Capital One® Secured MasterCard®
Capital One® Secured MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 22.9% (V) $29
Type: Secured, Cards for Bad Cr ...
Rank: #1 Secured , #1 Cards fo ...
Credit Needed:   Bad
  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
 
CCA In-House Review & more info
NetSpend® Visa® Prepaid Card
NetSpend® Visa® Prepaid Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $9.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #2 Cards for Bad Credit, ...
Credit Needed:   No Check
  • Get Paid up to 2 days faster with direct deposit — paychecks and government benefit checks
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
 
CCA In-House Review & more info
READYdebit® Visa Prepaid Card
READYdebit® Visa Prepaid Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $9.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #3 Cards for Bad Credit, ...
Credit Needed:   No Check
  • Instant Account Number - Great for Tax Refund Direct Deposit!
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker1
  • Choose Your Card Color - Blue or Pink
 
CCA In-House Review & more info
USAA Secured Platinum Card
USAA Secured Platinum Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90% (Variable) $35
Type: Secured, Cards for Bad Cr ...
Rank: #4 Cards for Bad Credit, ...
Credit Needed:   Bad
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 
CCA In-House Review & more info
USAA Secured Platinum American Express Card
USAA Secured Platinum American Express Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90% (Variable) $35
Type: Secured, Cards for Bad Cr ...
Rank: #5 Secured , #5 Cards fo ...
Credit Needed:   Bad
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 
CCA In-House Review & more info
READYdebit Platinum Visa Prepaid Card
READYdebit Platinum Visa Prepaid Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $14.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #6 Cards for Bad Credit, ...
Credit Needed:   No Check
  • Get Your Premium Benefits:
  • Exclusive Rewards Program
  • Free Credit ScoreTracker1
  • Easy Mobile Account Access and Text Alerts
  • Easy Online Bill Payment & Check Writing
  • Free† Direct Deposit — paycheck, benefits, tax refunds
  • No Credit Check, No Overdraft Fees or Balance Minimums
  • Reloadable up to $10,000 Max Balance
  • Deposit is fully FDIC insured
 
CCA In-House Review & more info
Account Now Gold Visa® Prepaid Card
Account Now Gold Visa® Prepaid Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A up to $9.95 monthly fee
Type: Instant Approval, Prepaid ...
Rank: #1 Instant Approval , #4 ...
Credit Needed:   No Check
  • Perfect for Direct Deposit Tax Refund - Get your Tax Refund Fast without a traditional bank account.
  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
 
CCA In-House Review & more info
AccountNow® Prepaid MasterCard®
AccountNow® Prepaid MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A up to $9.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #8 Cards for Bad Credit, ...
Credit Needed:   No Check
  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted
 
CCA In-House Review & more info
AccountNow® Prepaid Visa® Card
AccountNow® Prepaid Visa® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $0
Type: Prepaid & Debit Cards, Ca ...
Rank: #9 Cards for Bad Credit, ...
Credit Needed:   No Check
  • 100% Approval Guaranteed (subject to I.D. Verification)
  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free† Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage
 
CCA In-House Review & more info
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If you saw your credit score tumble through no fault of your own during the recent downturn, your decision to start looking for new lines of credit again can be an important one, but one that you must approach cautiously.

When it comes to these cards, there are a relatively small number of options available to you, as lenders are going to be wary of your ability to handle your finances. This isn't a reflection on you, but rather on your credit score, which doesn't take into account your current salary or any other considerations that may have changed since you lost ground where your rating is concerned.

Secured credit cards

Perhaps the best possible option for rebuilding your credit score with a new account is by reviewing credit card offers for secured accounts. The difference between these cards and traditional credit cards is that you will be required to make a down payment to establish your credit limit.

This is often as low as a few hundred dollars, but is important because it shows a lender that you have some amount of financial flexibility that you can tap. Once your credit limit is established, you can use the card as you normally would, but you should keep in mind two things about these accounts.

First, the interest rate on them is typically much higher than those you may have been used to in the past, meaning that any balance you carry over from one month to the next will end up costing you more. For this reason, it might be a good idea to use this card sparingly, and pay off whatever balance you accrue every month in full when the bill comes.

Second, these accounts usually also carry an annual fee, meaning that you will have to keep these added costs in mind.

When obtaining a secured credit card, it is also important to make sure that the company issuing it will report your activity to the various credit bureaus. If so, it can be essential to getting your credit score back on track, but if not, it won't be able to help you achieve your goals of rebuilding your rating.

Prepaid cards

Prepaid credit cards are more like a debit card than a credit card, but requires no credit check at all and can provide you with a little bit of financial flexibility when it comes to dealing with your day-to-day money needs. You simply load money onto the account and then spend that money anywhere your card is accepted.

However, because these cards aren't credit, they also won't help you to rebuild your rating. Further, they typically come with a number of fees for transactions you may make on a regular basis, so it's important to weigh the true cost of this type of account when making your decision.

Whenever you are dealing with accounts designed specifically for consumers with bad credit, it's important to remember that they're only intended to be used as a kind of credit training wheels. Once your score is back to a more respectable level, you will be able to apply for a credit card that may be of greater benefit and possibly lesser cost to you.

If you're dealing with bad credit, use our credit card search engine to narrow down the list to cards you can qualify for and get back on the right financial track. The CreditCardApplications.com search engine shows you a short list of the credit card offers most appropriate for you, saving you time in comparing cards and the trouble of inadvertently filling out a credit card application which is likely to be declined.


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