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Credit cards for those with bad credit

  • Key Feature: Get Your Teams Logo.
    No annual Fee, Rewards, and 0% Intro APR
  • APR: 10.99%
  • Annual Fee: $0
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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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Brink's Money Prepaid MasterCard®
Brink®' />

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Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A Variable Monthly Fees
Type: Cards for Bad Credit
Rank:
Credit Needed:   No Check
  • Trust Brink's with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don't have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the Payback Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You're A Little Short.
 
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NetSpend® Visa® Prepaid Card
NetSpend® Visa® Prepaid Card

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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 — payroll and government benefits
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
 
CCA In-House Review & more info
USAA Secured Platinum Card
USAA Secured Platinum Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90% (Variable) $35
Type: Secured, Cards for Bad Cr ...
Rank: #3 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
PayPal™ Prepaid MasterCard®
PayPal™ Prepaid MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $4.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #2 Prepaid & Debit Cards ...
Credit Needed:   No Check
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
 
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 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
Horizon Gold Credit Card
Horizon Gold Credit Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A* N/A* $24.95 benefits plan membership will be auto-debited monthly
Type: Instant Approval, Cards f ...
Rank: #2 Instant Approval , #6 ...
Credit Needed:   Bad
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
 
CCA In-House Review & more info
Find out instantly if you're pre-approved with Fingerhut Credit.
Find out instantly if you

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 24.90% $0
Type: Cards for Bad Credit
Rank:
Credit Needed:   Bad
  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • Find out instantly if you're pre-approved with Fingerhut Credit.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
 
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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