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Credit card offers for bad credit from our partners

By Curtis Arnold Editor-in-chief, updated on May 29, 2015

Consumers with bad credit may feel they have no hope for rebuilding their credit or obtaining new credit, but take heart: many credit card companies have credit card offers for bad credit. Find the best credit cards for people with bad credit by reading expert reviews and comparing expert ratings.

Compare your card and see how it stacks up
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Capital One<sup>®</sup> Secured MasterCard<sup>®</sup>
About Our Ratings

Capital One® Secured MasterCard®

  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Purchase APR 24.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Limited/Bad
Credit One Bank<sup>®</sup> - Earn More Credit Fast
About Our Ratings

Credit One Bank® - Earn More Credit Fast

  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
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Purchase APR 17.90% - 23.90% Variable*
Annual Fee $35-$99
APPLY NOW Credit Needed Bad
primor<sup>™</sup> Secured Visa Classic Card
About Our Ratings

primor Secured Visa Classic Card

  • Reports to all three nationwide credit bureaus.
  • Low fixed 13.99% interest rate on purchases. With no penalty Rate!
  • No processing or application fee.
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Purchase APR 13.99% Fixed
Annual Fee $39
APPLY NOW Credit Needed Bad
First Progress Platinum Prestige Secured MasterCard
About Our Ratings

First Progress Platinum Prestige Secured MasterCard

  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Requires $300 Refundable Deposit and Checking Account to Apply
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Purchase APR 11.99% Variable
Annual Fee $44
APPLY NOW Credit Needed Bad
OpenSky<sup>®</sup> Secured Visa<sup>®</sup> Credit Card
About Our Ratings

OpenSky® Secured Visa® Credit Card

  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
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Purchase APR 17.50% Variable
Annual Fee $29
APPLY NOW Credit Needed Poor/Bad/No Credit
First National Bank Secured Visa<sup>®</sup> Card
About Our Ratings

First National Bank Secured Visa® Card

  • Your stepping stone to credit that can grow with you.
  • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
  • How you use your card will reflect on your credit rating with the three major credit bureaus.
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Purchase APR 20.99% Variable
Annual Fee $29
APPLY NOW Credit Needed Bad
Total VISA<sup>®</sup> Credit Card
About Our Ratings

Total VISA® Credit Card

  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
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Purchase APR 29.99% Fixed
Annual Fee $75.00 for the first year, $48 annually after that
APPLY NOW Credit Needed Bad
Credit One Bank<sup>®</sup> Credit Card - Gas Rewards
About Our Ratings

Credit One Bank® Credit Card - Gas Rewards

  • Unlimited 1% cash back gas rewards
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
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Purchase APR 17.90% - 23.90% Variable*
Annual Fee $35-$99
APPLY NOW Credit Needed Bad
First Progress Platinum Select MasterCard<sup>®</sup> Secured Credit Card
About Our Ratings

First Progress Platinum Select MasterCard® Secured Credit Card

  • Process your card more quickly by choosing our Expedited Processing Option (limitations and fee apply - see First Progress website)
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick, Easy and Complete Online Application
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Purchase APR 14.99% Variable
Annual Fee $39
APPLY NOW Credit Needed Poor
First Progress Platinum Elite MasterCard<sup>®</sup> Secured Credit Card
About Our Ratings

First Progress Platinum Elite MasterCard® Secured Credit Card

  • Submit Your Refundable Security Deposit of $300 - $2,000 at Time of Application
  • Just Pay Off Your Balance and Get Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
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Purchase APR 19.99% Variable
Annual Fee $29
APPLY NOW Credit Needed Poor
UNITY<sup>®</sup> Visa Secured Credit Card - The Comeback Card<sup>™</sup>
About Our Ratings

UNITY® Visa Secured Credit Card - The Comeback Card

  • A secured credit card to help rebuild your credit
  • Monthly reporting to all 3 major credit bureaus
  • Credit line secured by FDIC insured fully refundable deposit of $250-$10,000 submitted with application
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Purchase APR 17.99% Fixed
Annual Fee $39
APPLY NOW Credit Needed Bad
primor<sup>™</sup> Secured Visa Gold Card
About Our Ratings

primor Secured Visa Gold Card

  • Reports to all three nationwide credit bureaus.
  • Low fixed 9.99% interest rate on purchases. With no penalty Rate!
  • No processing or application fee.
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Purchase APR 9.99% Fixed
Annual Fee $49
APPLY NOW Credit Needed Bad
Horizon Gold Card
About Our Ratings

Horizon Gold Card

  • 0% APR
  • Guaranteed Approval*
  • Fast Online Application
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Purchase APR 0% 
Annual Fee See issuer website
APPLY NOW Credit Needed Bad
Credit Card Database

More about Credit card offers for bad credit

  • Credit Cards for bad credit?
  • Which one is right for me?
  • Which Card do I need?
  • Right card for bad credit?

Consumers with a low credit score have several options for credit cards, depending on their credit score. Some customers will need to apply for a secured credit card with a guaranteed approval in order to rebuild their credit. Others can qualify for a subprime credit card that usually will carry a higher-than-normal interest rate, a high annual fee or a low credit line.

You may think you know what your credit score is, but since your score changes frequently, it is always a good idea to check your instant credit report. If you have been turned down for other credit cards or loans, this often means your credit is not good enough for some lenders or credit card companies. But not every company has the same standards, so find out your score and then check out the expert reviews and ratings to see which credit card for bad credit might meet your needs. In general, if your credit score is lower than 675, you may find that you need a credit card designed for borrowers with bad credit.

Every consumer has the right to a free credit report from all three major credit reporting agencies. It is a good idea to check these scores before applying for a credit card based on that you think is bad credit. Check your credit report for mistakes and also check your credit score to see where you stand. Sometimes people assume they have bad credit when they don't; other times people think their credit score is higher than it is. The only way to know for sure what credit card companies see is to get your credit report. If your credit score is low, check out these credit score tips to see if you can make some changes that will improve your credit score ratings.

Review expert ratings which may help you see which credit card may meet your needs. Look for a credit card that reports to all three credit reporting agencies monthly so that your on-time payments can be used to boost your score. If you have trouble managing credit, look for a card that offers email and text alerts when you are close to maxing out your card or forgetting to pay the bill. Credit cards for people with bad credit can vary greatly from one product to the next, so be sure to shop around for the card with the lowest rates and fees.