Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest in food, she has come to appreciate the unique rewards and benefits of responsible credit card use, and enjoys helping people understand the ins and outs of the industry. As a finance expert, she strives to provide user-friendly online resources that help everyday people get the most out of their credit cards.
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Credit cards, or at the very least, debit cards, are a necessity for online shopping. While debit cards can certainly get the job done, credit cards are widely considered a safer option thanks to the security benefits they offer. But what about for people with bad credit? Can you get a credit card for online shopping if your credit is a little shaky?
The good news is that, yes, you can. In fact, there are quite a few credit cards designed for people with bad credit. That said, the credit cards designed for people with bad credit tend to not come with a lot of perks in the way that credit cards for people with excellent credit scores often do. For instance, while some credit cards for people with bad credit have rewards, many are secured credit cards, which require you to put down a refundable deposit before you can establish a line of credit and use the card.
Still, if you want to do online shopping, or any shopping, and you have bad credit, you can definitely find credit cards to apply for. Use that card responsibly when you’re shopping online or in-person and you should see your credit score improve over time. That improved score could open the door to even better cards in your future.
For now, let’s take a look at some of our favorite credit cards for bad credit for online shopping:
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Jennifer Doss
CardRatings Executive Editor
Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from...Read more
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