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Over the Past 60 Days!
Reports to Credit Bureaus
Build Credit When Used Responsibly
Minimum Deposit
$49, $99, or $200
Regular Purchase APR
29.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
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®
See additional details for Indigo® Mastercard®
Apply Online
Fast and easy application process
No Hidden Fees
No deposit required and no penalty APR
Regular APR
29.24%
Typical Credit Needed
Annual Fee
$59
Card Brand
Mastercard®
See additional details for AvantCard Credit Card
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®
See additional details for Destiny Mastercard®
Mastercard 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®
See additional details for Milestone 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®
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®
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®
See additional details for First Access VISA® Credit Card
Widely Accepted
Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
Build Credit
Build up your Credit with a card that reports to all three major credit bureaus every month.
Fast Application and Delivery
Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
Typical Credit Needed
Annual Fee
See Terms*
Card Brand
Mastercard®
See additional details for First Digital NextGen Mastercard® Credit Card
Build Credit
Monthly reporting to the three major credit bureaus
Worldwide Use
Use your card wherever Mastercard is accepted
Easy Application Process
All credit types welcome to apply
Typical Credit Needed
Annual Fee
See website for Details*
Card Brand
Mastercard®
See additional details for Surge® Platinum Mastercard®
Improve Your Credit Score
Free Credit Bureau Reporting
Credit Line
$200 - $2,000 Credit Line*
Regular Purchase APR
14.24% (V)
Typical Credit Needed
Annual Fee
$49
Card Brand
Mastercard®
See additional details for First Progress Platinum Prestige 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®
See additional details for Mission Lane Visa® Credit Card
Easy Application
Fast and easy application process; results in seconds.
Build Credit
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.
Pre-Qualification
See if you’re Pre-Qualified with no impact to your credit score.
Typical Credit Needed
Annual Fee
See Terms
Card Brand
Mastercard®
See additional details for Reflex® Platinum Mastercard®
Improve Your Credit Score
Free Credit Bureau Reporting
Credit Line
$200 - $2,000 Credit Line
Regular Purchase APR
18.24% (V)
Typical Credit Needed
Annual Fee
$39
Card Brand
Mastercard®
See additional details for First Progress Platinum Select Mastercard® Secured 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®
*See rates, fees, costs and limitations for additional details and Revvi Rewards Program Terms & Conditions for details^^
See additional details for Revvi Card
Improve Your Credit Score
Free Credit Bureau Reporting
Credit Line
$200 - $2,000 Credit Line*
Regular Purchase APR
24.24% (V)
Typical Credit Needed
Annual Fee
$29
Card Brand
Mastercard®
See additional details for The First Progress Platinum Elite Mastercard® Secured 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®
See additional details for Merrick Bank Secured Credit Card
Rewards Rate
1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
Purchase APR
28.24% 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®
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®
*For more information about Chime and how Credit Builder works, click here.
See additional details for Chime Credit Builder Visa® 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.
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.