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Credit Cards for People with Bad Credit

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Credit Card Applications » Credit Cards for Bad Credit

Prepaid & Credit Card Applications for Bad Credit

Credit Cards for People with 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 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 (10)
You've selected 10 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.

Next Payday Advance
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.

Loan Details:
  • Apply online using our 100% secure 3-step application. No faxing required.
  • 4 out of 5 applications are approved.
  • Once approved your loan is deposited into your bank account overnight!
Summary of Loan Features:
Employment RequiredMaximum
Loan Amount
Minimum
Loan Amount
Minimum
Income Required
Minimum Age
of a Borrower
Yes$1,000$300$18

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 (10)
You've selected 10 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.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
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.

Next Millennium
Compare (10)
You've selected 10 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 at My Unique Outlet (myuniqueoutlet.com).
Card Details:
  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!
  • We won´t check your credit and you will not be denied for bad credit. Buy Now...Pay Later!
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0%See website$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.

Credit One Bank® Credit Card with Gas Rewards
Compare (10)
You've selected 10 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% back gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% back on gas purchases and get more value with every gallon.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
17.90% -
23.90% (Variable)
$35-$99$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 (10)
You've selected 10 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.

or call     (866) 554-0808
Card Details:
  • Build credit with responsible use with no processing or application fees.
  • Regular reporting to the 3 major credit bureaus.
  • Your security deposit can get you a line up to $3,000.
  • You may qualify for a credit line increase based on your payment history and creditworthiness.
  • Build a financial foundation you can stand on with a card that gets you started.
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
22.9% (V)$29See 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.

TronixCountry™
Compare (10)
You've selected 10 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.

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:
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • Choose from thousands of products.
  • $25 off first purchase of $400 or more. Coupon Code: SEPTSAVE25. Expires: 09/30/14.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.0%$49$29.99YesYes

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

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.
78 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 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

  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

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