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Credit Cards for People with Bad Credit

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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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Horizon Gold Credit Card
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
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.

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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

PayPal™ Prepaid MasterCard®
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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.

Card Details:
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
see siteNoYesNoNoNo

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Fingerhut Credit Account
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
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.

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:
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • $50 OFF $200 - Promo Code #APR50. ENDS on May 6, 2014.
  • 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".
  • Shop Great Brands at Fingerhut.com.
  • Choose From Over 30,000 Products.
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Free Shipping - Promo Code #APRFREE. ENDS on May 6, 2014.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
24.90%$0$0YesYes

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Control Prepaid MasterCard®
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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.

Card Details:
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
  • Earn Cash Back Rewards & Refer A Friend bonuses.
  • Free Bill Pay and online budget management tools.
  • Transfer money to other cardholders online or with your mobile phone.
  • Free Smartphone App - check your transactions, balance and find the closest reload location.
  • Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0Yes!YesNoNoNo

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

TronixCountry™
Compare (45)
You've selected 45 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)
Required FICO score for this card: 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.

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.
  • Offers 90 Day Cash Discount.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • $100 off $1200 or more (for a limited time) - Use Coupon Code: DEAL100. This will expire on 04/30/14.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0.0%$49$0 ($99 waived)YesYes

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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Credit One Bank® Credit Card with Gas Rewards
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Poor / Bad Credit

Poor / Bad Credit
Minimum FICO score for this card: 550
You can apply if: you had multiple foreclosures, repossessions or declared a bankruptcy; you regularly miss payments and spend a big percent of your credit limits.

(From 550 FICO Score)
Card Details:
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
  • Get pre-qualified without affecting your credit score.
  • Make your first six payments on time and get a credit line increase.
  • Keep an eye on your credit information with free online monthly credit score tracking.
  • Choose your card design from our premium gallery.
  • Email or text alerts to remind you when your payment is due.
Summary of Card Features:
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
17.90% -
23.90% (V)
$35-$99See termsYesYes

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Next Payday Advance
Minimum Required Credit History:
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
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.

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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

Capital One® Secured MasterCard®
Compare (45)
You've selected 45 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 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.
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker.
  • 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

This is an aggregate rating, which is the rating given to the products by our experts. This rating includes several criteria which you can see on the details page.

NetSpend® Visa® Prepaid Card
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Minimum Required Credit History:
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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.

Card Details:
  • Get Paid up to 2 days faster with direct deposit - paychecks and government benefit checks.
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees.
  • Earn cash back with NetSpend Payback Rewards.
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
n/aYes!YesNoNoNo

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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Questions & Answers about
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