Credit Cards and Prepaid Cards for People with Bad Credit

Having bad credit and looking for the best credit offers for you? You have chosen the right site! We present prepaid cards and credit cards for people with bad credit history. Compare the offers at our site and submit your application online!

All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

$500 Credit Limit. No Credit Check.

No Employment Check.

Must have Active Debit Card or Credit Card to qualify.

  • Get the security and convenience of a full-feature, unsecured VISAВ® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
  • Checking Account Required
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
  • Checking Account Required
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
  • Checking Account Required
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!

Worst credit cards ever

  • It takes less than 1 minute
  • Will Not Affect Your Credit Score

Are you interested in finding credit cards, debit cards, or prepaid cards that are offered to people with less than perfect credit? We offer a wide range of these types of card offers.

When money is tight, it’s good to have a few tricks up your sleeve for painlessly saving money. Everyone has heard the old advice about making coffee at home and skipping the fancy latte on the way .

October 07, 2016

If you've ever been slapped with a credit card fee, you know it's no fun at all. You can incur a fee for making a late payment, getting money out of an ATM, buying something with your card overseas, .

Ask our credit card experts and you'll receive the answers by e-mail.


worst credit cards ever

Worst credit cards ever

Before we begin, allow me to clarify one point: the thoughts and opinions expressed by myself do not necessarily reflect the views of this website, any of the contributors, nor the editorial team. With that being written, I would love to hear my colleagues’ take on this list.

I consider myself a proponent of both responsible credit use and hunting for points. In fact, I do not believe these activities to be mutually exclusive to one another. When travelers make a plan and track their spending, the world can be theirs to see for little more than a song. However, there is a dark side to everything, and credit cards are certainly no exception. For all the great travel cards available to consumers, there is a whole host of products out there that offer more frustration than benefits.

Even for those frugal travelers with bad credit, there are a lot of better options to consider before reaching for one of these credit cards. In my humble opinion (and mine alone), these are the three credit cards you probably don’t want.

1. Credit One Bank Platinum Visa

I will give Credit One some credit: at the time of this writing, the company changed their policies to offer one percent cash back on purchases at gas stations and grocery stores. Even with the cash back, this card is probably one you probably don’t want to add to your wallet.

According to the disclosure, cardholders are subject to an annual percentage rate between 17.9 and 23.9 percent. Moreover, “some accounts” will find their annual fee (between $39 and $99 annually) split up between 12 monthly payments. Therefore, in addition to any spending that takes place, the cardholder will be forced to pay their annual payment in monthly installments.

For those cardholders rebuilding their credit and looking for cash back, there are better options than the Credit One Platinum Visa. The Chase Freedom Visa card has a low minimum spend threshold and offers bonus categories for cash back every quarter.

2. First Premier Bank Gold Mastercard

For those who thought it could not get worse, meet the First Premier Bank Gold Mastercard. The good news is that many people qualify for this card, with a guaranteed minimum credit limit of $300.

That’s where the good news ends. First Premier Bank charges a $95 fee to open the account, followed by a whopping 36 percent interest on purchases. To make matters worse, the card comes with both an annual service fee, followed by a monthly servicing fee. The privilege of holding this card comes at the cost of $245 for the first year.

Even those desperate for credit should avoid this card. Instead, consider a secured card or an alternate method to earn points and miles as recommended by our experts.

Finally, my last pick isn’t really a credit card at all (at least not in the traditional sense). Reminiscent of another direct purchase outlet, the Vast Platinum Card is eager to offer travelers a $1,000 credit limit with no credit check, the benefits of roadside assistance and free legal assistance…and little else from there.

The Vast Platinum is not endorsed by one of the four issuing bank networks, meaning it is useless outside of the issuer’s direct purchase website. Furthermore, the credit limit comes with a litany of fees: $29.95 for the application, and $19.95 every month it is open. In addition, it is impossible to access the purchasing website without opening an account, which means assessing the value of the card without opening an account is impossible. As the saying goes: if it sounds too good to be true, it probably is.

What are the cards you avoid at all costs? Let me know what cards you would have included on this list in the comments below!


What Are The Best Credit Cards for Bad Credit of 2017?

We reviewed hundreds of offers to track down the best credit cards for bad credit. If you have a FICO score below 600, or no credit whatsoever, these are some of the best offers that will be available to you. We broke out the cards into various categories that should fit a variety of consumer needs – everything from cash back to low interest rates.

Credit Cards for Bad Credit.

Best Bad Credit Credit Card for Cash Back Rewards: Discover it® Secured Card ­- No Annual Fee

The Discover it® Secured Card ­- No Annual Fee is best for individuals with bad credit who want to work on improving their credit score while earning cash back along the way. The card earns users cash back on everyday purchases, just like credit cards available to individuals with average or better credit scores. Cardholders receive 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter, and an unlimited 1% otherwise. After your account has been opened for 8 months, it will be considered for an upgrade to one of the other Discover products - some of which are the most attractive cash back credit cards on the market. As long as you continue to make all your payments on time, and keep credit utilization low, your credit score will increase over time. Keep in mind this is not a credit card that you want to carry a balance on. It has an extremely high APR, so you should always pay off your bill in full.

Best Credit Card for Bad Credit with Low Interest: State Department EMV Savings Secured Visa Platinum Card

The State Department EMV Secured card is a good option for anyone who happens to have a credit score below 600 and needs to carry a balance month-to-month. With a minimum APR of 7.24% APR, this card has one of the lowest interest rates we’ve seen on a secured card. Even when you compare it against ordinary cards, interest rates below 10% are a rare sight to behold. Credit cards for people with bad credit have an average APR of around 16%, so you save a little more than 50% on interest charges compared to the typical card of this type. The EMV Savings Secured Visa Platinum doesn't charge its users an annual fee, allowing cardholders to put that bit of extra cash towards the security deposit, paying down a balance, or simply keeping a few extra bucks in their pocket. Best of all, you don't need to be a State Department employee to qualify; a membership with the American Consumer Council makes you eligible.

Best Credit Card for Students With Thin/No Credit (No Deposit Needed): Discover it® for Students

This card is excellent for people with little to no credit, like students, who want to build their credit score. The Discover it® for Students provides 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate. Outside of that, you get 1% back on everything else. Currently, new cardmembers get a dollar-for-dollar match of all the cash back they’ve earned at the end of your first year. That makes this card all-the-more powerful during those first 12 months.

Because this is a student credit card, and not a secured card like others on this list, users don't need to put down a security deposit. You can read more about the Discover it® for Students in our review.

Best Credit Card for Bad Credit With High Credit Limits: Capital One® Secured Mastercard®

The Capital One® Secured Mastercard® is great for individuals who wish to have a high credit limit, without having to put up too much money up front. With this card, your security deposit gets you extra bang for the buck. Depositing more than the minimum can get you higher credit limits. This is considerably better than some other secured cards, like the EMV Savings Secured Visa Platinum card, which awards just a $250 credit limit in turn for a $250 security deposit. On top of offering a higher credit line, Capital One provides cardmembers with the ability to monitor their credit score free of charge. This is a vital tool for anyone looking to rebuild their credit history as it allows one to see exactly how their spending/payments habits impact their credit score.

Best Credit Card for Bad Credit for Earning Miles: AeroMexico Visa Secured Card

Individuals who have no trouble paying off their monthly credit balance, and have a firm handle on their finances should use the AeroMexico Visa Secured to earn miles. This card comes with an annual $99 companion certificate, which acts as a ‘buy 1 get 1 for $99” on AeroMexico airline tickets. Cardholders also get 5,000 bonus One Club Premier Miles the first time they use their card. By all standards, the AeroMexico Visa Secured card is structured like a regular travel rewards credit card, with a fairly decent rewards rate – it can range between 1.3% to 2.8% depending on how you redeem your flights, or twice that if you spend exclusively on gas and groceries.

Custom fitting a credit card reward's program requires a lot of math and calculations. Our tool does all the heavy lifting for you - simply enter your estimated monthly spending into the categories, and we will figure out which credit cards will provide you with the highest yield.

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • 5,000 First Use Bonus Miles plus Complimentary Companion Certificate
  • 1 Club Premier Mile per $1 spent
  • 2 miles per $1 spent on Gas & Groceries
  • Complimentary Baggage
  • Earn 1 Flexpoint reward for each dollar you spend
  • Flexpoints can be earned on any net purchases at the rate of 1 per dollar
  • Earn 1 nRewards point for each dollar you spend
  • nRewards can be earned on any net purchases at the rate of 1 per dollar
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted - worldwide

Worst credit cards ever

For those who want a quick recap of the best credit cards for bad credit, you can find the most relevant information in the table below.

Whatever your financial situation is, if you have a bad credit score, your number one priority should be rebuilding it. We recommend that consumers practice these simple for a positive impact on their credit score.

Pay your credit card balance in full and on time each month. Paying off your debts is a surefire way of showing credit agencies that you are a responsible spender – meaning you don’t take on loans you can’t pay off. Do what it takes, from setting up a monthly reminder on your cell phone or your calendar, or start a recurring monthly payment from your checking account so that it doesn't slip your mind. While it may be tempting to just pay the minimum, and not worry about some of your balance, there are even more negatives to it other than the damage to your credit score. Most bad credit credit cards have unfortunately high interest rates, which means your interest costs will be greater - unless you have the EMV Savings Secured Visa Platinum Card.

Don’t spend beyond your credit limit. Most experts agree that using more than 60% of your total available credit limit has a negative impact on your credit score. With the typical secured credit cards starting off with minimum balances of $250 you do not have much room for error. While issuers do give you a certain amount of credit, they like to think that you don’t rely on it completely – the closer you are to your limit, the more desperate you appear to a reporting agency.

Find someone to co-sign your credit card with you. If you have a family member or close friend with a good credit score, see if they are willing to co-sign on your new credit card. They will be taking on a share of your responsibility, if you are unable to pay back your debt. In return you will effectively be boosting your credit score for that credit application – resulting in being qualified for better credit cards that can ultimately end up saving you more money.

One of the few things that can turn a bad situation worse is not understanding why you are in a bad situation in the first place. It can be frustrating being told that you have bad credit, when you don’t know what got you there. Below we explain three of some of the most common pitfalls consumers make that lead them to having a bad credit score.

Avoid late payments. One of the biggest culprits behind ruining credit scores is paying your credit card bill late. Consumers tend to think that outside of paying a late fee, there are no other consequences associated with a late payment. First and foremost, being late on your payment will have a direct impact on your FICO score. The later you are, the greater the damage. On top of hurting your credit score directly, being late on a payment can raise your APR. That means, if you carry a balance, you will pay a higher interest rate on it. If you are not ready to pay more, you will likely carry an even greater balance and the effects of this can easily snowball out of one’s control.

Don’t apply for many credit cards in a short period of time. Part of what determines your FICO score is appearances. Companies who look at your financial habits like to see you act as though credit is a nice perk, which you don’t necessarily need. Each time you submit an application for a credit card, loan or anything of this sort an inquiry is made into your credit card. When multiple inquiries are made within a short period of time, credit-reporting agencies perceive this as you needing credit desperately – something that does not bode well for your ability to pay it back. When this happens, your credit score can lower and you may be denied your applications.

Don’t defaulting on a loan or declare bankruptcy. While throwing in the towel may save one headache in the present, defaulting on a loan or declaring bankruptcy should always be a last resort. If you ever do either of these two things, it will become part of your permanent record. Having declared bankruptcy digs a very deep hole in one’s credit history – one that will take multiple years to dig out in the future.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.