USA
USA
USA Canada

Credit Cards for People with Bad Credit

PREPAID & CREDIT CARD APPLICATIONS ONLINE

Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Credit Card Applications » Credit Cards for Bad Credit

Prepaid & Credit Card Applications for Bad Credit

Sometimes unexpected things happen in life and you get in over your head. Whatever the reason for your bad credit history, the first step toward repairing it is applying for a card made especially for your situation and then, if approved, making timely payments and keeping account balances low relative to the credit limit with all your creditors.

When you use a credit card keep in mind that your credit behaviour will be reported to the consumer reporting agencies, so you could build your credit history if you practice responsible credit behavior. Also banks may charge additional fees for credit card use, beyond interest rates and annual fees. Read the terms and conditions carefully and know what you are signing up for - Credit-Land.com provides you with most current and full product reviews.

Sort Cards by:RatingRegular APRAnnual FeeActivation FeeReporting Credit BureausInstant Response

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Horizon Gold Credit Card
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Where to use this card:

Shopping credit cards are good when you prefer online shopping to in-store shopping. These cards are created for exclusive use at a particular retail store or online catalog and come with membership benefits. The issuers of such credit cards report credit activity to at least one major credit bureau, so you have the opportunity to rebuild credit.

Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.00%See terms$29.95YesYes

To apply for this card you need to have an active credit card or debit card

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Fingerhut Credit Account
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Where to use this card:

Shopping credit cards are good when you prefer online shopping to in-store shopping. These cards are created for exclusive use at a particular retail store or online catalog and come with membership benefits. The issuers of such credit cards report credit activity to at least one major credit bureau, so you have the opportunity to rebuild credit.

Use exclusively at Fingerhut Outlet (Fingerhut.com).
Card Details:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 200,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Memorial Day Savings Going on Right Now with Fingerhut.
  • Get $50 off $200 - USE Promo Code NC959. Exp. 6/1/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
24.90%$0$0YesYes

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Capital One® Secured MasterCard®
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Limited / Bad Credit

Limited / Bad Credit
You can apply if: you have had your own credit card or other loan for less than 3 years; you have defaulted on a loan more than once or have been declined for a credit card in the last 3 months.

Card Details:
  • 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.
  • Your minimum security deposit gets you a $200 credit line.
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required.
  • Easily manage your account 24/7 with online access, by phone or using our mobile app.
  • It′s a credit card accepted at millions of locations worldwide.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
24.9% (Variable)$0See termsYesNo

To apply for this card you need to have an active checking account or savings account

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Total VISA® Credit Card
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Card Details:
  • 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.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
29.99%$75.00 for the first year.
After that, $48.00 annually
$0YesYes

To apply for this card you need to have an active checking account

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Credit One Bank® Credit Card with Gas Rewards
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Poor / Bad Credit

Poor / Bad Credit
You can apply if: you had multiple foreclosures, repossessions or declared a bankruptcy; you regularly miss payments and spend most of your available credit.

Card Details:
  • Unlimited 1% cash back gas rewards.
  • Rewards post to your account automatically each month.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
17.90% -
23.90% (Variable)*
$35-$99*$0YesNo

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

TronixCountry™
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Any Credit

Any Credit
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures. You can be approved regardless your credit history.

Where to use this card:

Shopping credit cards are good when you prefer online shopping to in-store shopping. These cards are created for exclusive use at a particular retail store or online catalog and come with membership benefits. The issuers of such credit cards report credit activity to at least one major credit bureau, so you have the opportunity to rebuild credit.

Use exclusively at Tronix Country (tronixcountry.com).
Card Details:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
  • $25 off first purchase of $400 or more. Coupon Code: 2015M. Expires: 05/31/15.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.0%$49$0YesYes

To apply for this card you need to have an active credit card or debit card

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Western Union® NetSpend® Prepaid MasterCard®
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Any Credit (No Credit Check)

Any Credit (No Credit Check)
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures. You can be approved regardless your credit history.

Card Details:
  • Get paychecks and your tax refund fast with direct deposit!
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0NoNoNoNoNo

* See Card Terms & Conditions for Details.
6 In Accordance with Terms and Conditions.

The Truth About Repairing Bad Credit

Don't trust anyone who tells you there is a quick fix for repairing your credit. Bad credit is a burden that can last years on your credit report, and may take a toll on your personal and professional life. Using credit cards responsibly and making on-time payments over a number of years and keeping account balances low relative to the credit limit helps building good credit history.

If you are thinking of applying for a credit card, choose the right card. A good option for consumers with bad credit is a secured credit card. Secured credit cards report your credit performance to consumer reporting agencies. So, if you are on time with all payments and do not go over the limit, you will likely be able to raise your credit score. Don't believe those who claim prepaid cards can do the same for you. Prepaid cards do not send reports to the agencies, and as a result there's no improvement for your credit history. However, they are good for establishing the habit of making payments regularly. They prepare you to have a regular credit card.

Living With Bad Credit

  1. Although, for most credit cards designed for people with bad credit, interest rates are much higher than for any other credit card, paying off full balance at the end of each month will avoid interest.
  2. Secured Cards allow you to start a credit history. If you never miss payments and are careful with your spending, many banks will graduate you to an unsecured credit line, and will sometimes refund your deposit.
  3. Don't believe fast fixes to bad credit. It takes time and dedication on your part. A negative report can last from 7 to 10 years, but this too shall pass, so start your good credit today, for better tomorrow.

Our Experts about Bad Credit Cards

latest news:

U.S. Bank and REI Launch New Card U.S. Bank and REI Launch New Card

U.S. Bank and REI, an outdoor retailer, have taken their relationship to another level by renewing their multi-year contract and rolling out the new REI World MasterCard, offering 5% back on all REI purchases, 2% back on groceries up until March of ...Continue reading

More bad credit cards news

related research:

Tronix Country Credit Account: Unsecured Credit Line with 0% Interest RateTronix Country Credit Account: Unsecured Credit Line with 0% Interest Rate

If you do not have credit history and don’t know what credit card to choose to start with, the credit card can become your first card. People with bad credit and with past credit problems can also get approved for the Tronix ...Continue reading

More bad credit cards research
Credit Cards for People with Bad Credit
Latest Deals & Tips
about Cards for
Bad Credit
in your inbox.
Subscribe for FREE!

Bad Credit Cards Video

Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

Questions & Answers about
Bad Credit Cards

See Also Other Card Offers: