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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:
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. 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 loads or 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.