Prepaid & Credit Card Applications for Bad Credit
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Bad Credit
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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 staying within the credit limits 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.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
We provide responses in 60 seconds or less Summary of Card Features:
- Checking account required.
- If you have less-than-perfect credit, we may approve you when others won´t.
- We provide responses in 60 seconds or less.
- Monthly reporting to the major Consumer Reporting Agencies.
- If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit).
- No security deposit required.
- Access your credit account by phone 24/7 all year round.
| Annual Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Checking account required.
- If you have less-than-perfect credit, we may approve you when others won´t.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Reports to the major Consumer Reporting Agencies Summary of Card Features:
- Checking Account Required.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Reports to the major Consumer Reporting Agencies.
- Easy Application process!
- Bad Credit? Good Option!
- Apply for your next credit card account with First PREMIER Bank.
- A new kind of credit card.
- Timely payments and remaining below your credit limit with all your creditors may help you build a positive credit history.
| Annual Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Checking Account Required.
- Reports to the major Consumer Reporting Agencies.
Bad / No Credit
Required FICO score for this card: 0 to 619
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.
Free 24/7 Customer Service Summary of Card Features:
- Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
- Choose from multiple fee plan options, and switch for free.
- Earn fee rebates for maintaining balance in RushGoals program.
- Transfer money to another RushCard member for just $0.99.
- Free 24/7 customer service.
- Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance - free of charge.
| Activation Fee | $9.95 |
| Guaranteed Approval | No |
| Credit Check | No |
| Instant Response | Yes |
- Convenient schedule of fees.
- Your funds are FDIC-insured.
- No risk of overdraft fees.
- Has account maintenance fees.
Bad Credit
Required FICO score for this card: 350 to 619
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.
Guaranteed $500 Unsecured Credit Limit Summary of Card Features:
- $500 Credit Limit.70
- Guaranteed approval for unsecured credit line.
- No Credit Check.
- Fast Online Application.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Bad Credit accepted.
- Always 0.0% APR.
| Annual Fee | See website |
| Regular APR | 0.00% |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Reports to a major credit bureau.
- Fast approval.
- Maximum credit limit of $500.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Apply for a credit card today - Get a response today! Summary of Card Features:
- Have a checking account? Apply today!
- A credit card offer for those with less than perfect credit!
- Apply for a credit card today - Get a response today!
- Reports your credit history to the major Consumer Reporting Agencies.
- This is a credit card - not a debit or prepaid card.
- You may be able to reestablish your credit history by making timely minimum payments with all creditors and keeping your account balances below the credit limits.
| Annual Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Have a checking account? Apply today!
- A credit card offer for those with less than perfect credit!
Bad / No Credit
Required FICO score for this card: 0 to 619
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.
No Activation Fee Summary of Card Features:
- No Activation Fee.15
- $10 for enrolling in direct deposit.15
- Fees as low as $4.95 per month.
- Takes you places cash can´t go.
| Activation Fee | $0 |
| Guaranteed Approval | No |
| Credit Check | No |
| Instant Response | No |
- Get convenience as if it credit o debit card.
- Buy airline tickets or make hotel reservations.
- Use as cash card/money card.
- Not a credit card.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Countdown to your response! Only 60 seconds! Summary of Card Features:
- Checking Account Required.
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card.
- Countdown to your response! Only 60 seconds!
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Monthly reporting to major Consumer Reporting Agencies. Apply now!
- No security deposit required.
| Annual Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Checking Account Required.
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card.
Bad / No Credit
Required FICO score for this card: 0 to 619
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.
No Monthly, Annual or Purchase Fees Summary of Card Features:
- No Monthly, Annual or Purchase Fees.
- Direct Deposit.
- No Overdraft, Inactivity or Foreign Exchange Fees.
- Purchase Protection.37
- Fraud Protection.
- Roadside Assistance.37
- No Credit Check.
| Activation Fee | $0 |
| Guaranteed Approval | No |
| Credit Check | No |
| Instant Response | No |
- No monthly fees.
- Limits on free ATM withdrawals.
Bad Credit
Required FICO score for this card: 350 to 619
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.
No Annual Fee Summary of Card Features:
- Affordable Monthly Payments.69
- No Annual Fee.68
- No Over Limit Fee.68
- Get Response in 60 seconds.
- No down payments, no layaway and no surprises.
- We often say "YES!" when others say "No".
| Annual Fee | $0 |
| Regular APR | 24.90% |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- No annual fee.
- Quick approval.
- Good for people with less than perfect credit.
- High APR.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Apply for a credit card today - Get a response today! Summary of Card Features:
- Must have checking account to qualify.
- A Gold credit card offer for those with less than perfect credit.
- Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history.
- Reports your credit history to the major Consumer Reporting Agencies.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
| Annual Fee | See website* |
| Regular APR | See website* |
| Reporting Credit Bureaus | Yes |
| Inst. Response | Yes |
- Must have checking account to qualify
- A Gold credit card offer for those with less than perfect credit.
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 is the best way to improve your credit history.
If you are thinking of applying for a credit card, choose the right card. The best 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 improve 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
- 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.
- 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.
- 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
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** FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit product.
* 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" button, you can review the credit card terms & conditions on the credit card issuer´s website.
15 See Card Terms and Conditions.
37 See the American Express card terms and conditions online.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
70 Click apply to view See Card Terms & Conditions for Details.