Rated 4/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
4.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!
-
Reports to Credit Bureaus
Build Credit When Used Responsibly
-
Minimum Deposit
$49, $99, or $200
-
Regular Purchase APR
26.99% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
See additional details for Capital One Platinum Secured Credit Card
-
Easy Pre-qualification
Quick pre-qualification available with no impact to your credit score*
-
Custom Card Design
Pick from multiple card designs at no extra charge*
-
Reports to Credit Bureaus
Account history is reported to the three major credit bureaus in the U.S.
-
Typical Credit Needed
-
Annual Fee
$0 - $99
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Easy pre-qualification process with fast response
- Don't have perfect credit? No problem!
- 24/7 access to your account, even on mobile!
- No security deposit
- Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Platinum Mastercard®
-
Easy Pre-qualification
Prequalify for a card today and it will not impact your credit score
-
Regular Purchase APR
24.9%
-
Build Credit
Reports to all three major credit bureaus
-
Typical Credit Needed
-
Annual Fee
$59-$99
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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
See additional details for Destiny Mastercard®
-
Apply Online
Fast and easy application process
-
No Hidden Fees
No deposit required and no penalty APR
-
Regular APR
26.49%* Variable APR
-
Typical Credit Needed
-
Annual Fee
$59
-
Card Brand
Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Checking your eligibility does not affect your credit score
See additional details for AvantCard Credit Card
-
Mastercard Gold Benefits
Accepted Worldwide and $0 Fraud Liability
-
Mobile Access
Access your account online or from your mobile device 24/7
-
Regular Purchase APR
24.9%
-
Typical Credit Needed
-
Annual Fee
$35-$99, depending on creditworthiness*
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Instant pre-qualification is available for those who qualify
- Less than perfect credit is okay
- 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.
See additional details for Milestone® Gold Mastercard®
-
Same Day Approval
Get a Response in Seconds
-
Build Your Credit
Reports to all Three Major Credit Bureaus
-
Regular Purchase APR
See Terms
-
Typical Credit Needed
-
Annual Fee
See Terms
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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
See additional details for Total VISA® Credit Card
-
Build Credit
Reports to All Three Major Credit Bureaus
-
Increase Your Credit Line
Access Additional Credit with On-Time Payments and Responsible Usage
-
Easy Application
Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
-
Typical Credit Needed
-
Annual Fee
*See Terms
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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
See additional details for Applied Bank® Unsecured Classic Visa® Card
-
Get Approved Fast
Quick and Easy Secure Online Application
-
VISA Access
Enjoy VISA benefits and acceptance
-
Ongoing Purchase APR
See Terms
-
Typical Credit Needed
-
Annual Fee
See Terms
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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
- Get a result in as little as 60 seconds upon completion of the online application
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Online Customer Center available 24 x 7
- $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.
See additional details for First Access VISA® Credit Card
-
Annual Fee
$75 1st year, $48 after
-
Monthly Fee
None 1st year, $6.25 after
-
Activation Fee
$89
-
Typical Credit Needed
-
Annual Fee
$75 1st year, $48 after
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Jump on board with Revvi! Perfect credit not required
- Fast and easy application; response provided in seconds
- You asked, we listened – get the Revvi mobile app now
- Reports monthly to all three major credit bureaus
- $300 credit limit (subject to available credit)
- Checking account required
*See rates, fees, costs and limitations for additional details and Revvi Rewards Program Terms & Conditions for details^^
See additional details for Revvi Card
-
Rewards
1% Cash Back rewards on every purchase
-
Credit Line
$300
-
Regular APR
19.99% Variable
-
Typical Credit Needed
-
Annual Fee
$69
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash Back rewards on every purchase
- Free access to your Vantage 3.0 Score from Experian (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
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)
- Checking Account Required
See additional details for Surge Secured Mastercard®
-
Improve Your Credit Score
Free Credit Bureau Reporting
-
Credit Line
$200 - $2,000 Credit Line*
-
Regular Purchase APR
21.49% (V)
-
Typical Credit Needed
-
Annual Fee
$29
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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.
- See additional The First Progress Platinum Elite Mastercard® Secured Credit Card details
See additional details for The First Progress Platinum Elite Mastercard® Secured Credit Card
-
Improve Your Credit Score
Free Credit Bureau Reporting
-
Credit Line
$200 - $2,000 Credit Line*
-
Regular Purchase APR
11.49% (V)
-
Typical Credit Needed
-
Annual Fee
$49
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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.
- See additional First Progress Platinum Prestige Mastercard® Secured Credit Card details
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card
-
Improve Your Credit Score
Free Credit Bureau Reporting
-
Credit Line
$200 - $2,000 Credit Line
-
Regular Purchase APR
15.49% (V)
-
Typical Credit Needed
-
Annual Fee
$39
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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.
- See additional First Progress Platinum Select Mastercard® Secured Credit Card details
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card
-
Strengthen Your Credit
Free, online credit score access for cardholders.
-
Regular APR
26.99 - 29.99% (Variable)
-
Credit Line Increase
Get a higher credit line if you're in good standing after making your first 6 payments on time.
-
Typical Credit Needed
-
Annual Fee
$59
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- See if you qualify instantly without harming your credit score.
- Get a higher credit line if you're in good standing after making your first 6 payments on time.
- Free, online credit score access for cardholders.
- Instant decision on your application.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
See additional details for Mission Lane Visa® Credit Card
-
Credit Line
Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
-
Fraud Liability
$0 fraud liability for unauthorized charges.
-
Worldwide Acceptance
Use it anywhere Mastercard is accepted.
-
Typical Credit Needed
-
Annual Fee
$36 for the first year. Billed $3 per month thereafter.
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
See additional details for Merrick Bank Secured Credit Card
-
Rewards
1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
-
Purchase APR
24.74% Variable
-
Build Credit
This unsecured card requires no deposit and can help build your credit
-
Typical Credit Needed
-
Annual Fee
$75/$99
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- See if you Pre-Qualify without harming your credit score
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
- See additional Credit One Bank® Platinum Visa® for Rebuilding Credit details
See additional details for Credit One Bank® Platinum Visa® for Rebuilding Credit
-
Build your credit history
Your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
-
Annual Fee
$0
-
Interest & fee free cash withdrawals
Interest & fee free cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- No annual fees or interest, no credit check to apply, and no minimum security deposit required3
- Help increase credit score by an average of 30 points1
- View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders5
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments4
- Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
- Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Spending Account and receive a qualifying direct deposit of $200 or more2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
*For more information about Chime and how Credit Builder works, click here.
See additional details for Chime Credit Builder Visa® Credit Card
-
Purchase APR
18.14% (variable)
-
Build Credit
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
-
Credit Line
$200 - $3,000 Credit Line*
-
Typical Credit Needed
-
Annual Fee
$35
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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
- 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
See additional details for OpenSky® Secured Visa® Credit Card
-
Rewards
2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
-
No SSN
No SSN required for non US citizens
-
Build Credit
Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- No annual fee, no minimum security deposit.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
- See additional Secured Sable ONE Credit Card details
See additional details for Secured Sable ONE Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Credit Cards for Bad Credit History
So called “bad credit” credit cards are especially designed credit cards for people with bad credit, low credit, or no credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with limited scrutiny of your finances, debts, and poor credit history.
Some bad credit credit cards require that the cardholder make a payment deposit into their card account which is then used as collateral or security against any charges to the card. This is a standard prepayment process, and you basically set your own credit limit based on how much money you keep in your account. But there are even some that require no security deposit or prepayment – although these cards usually make money from cardholders by charging high interest rates and fees due to the reduced creditworthiness of the cardholder.
For most people, the best credit card for bad credit will be one that charges reasonable fees in exchange for helpful features like online bill paying and financial management tools. Study the menu of fees to see how much you can expect to pay for using the card in the way to which you are accustomed. Another key fact area to consider will be whether or not the credit card company reports to the major credit bureaus on a regular basis. This type of regular reporting is the major building block toward credit report. After taking these aspects into consideration, pick a card that suits you and use it to build up your poor credit score by making on-time payments with all creditors and keeping account balances low relative to the credit limit. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.
Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.