Credit Card Applications for People with Bad Credit

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Find the Right Credit Card for Bad Credit History
Credit card for bad credit is a nice chance to improve your bad credit history and gain a credit rating. With bad credit you can still find online applications. Choose a card and apply online.
Horizon Gold Credit Card
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  • $500 Credit Limit. No Credit Check.
  • No Employment Check.
  • Must have Active Debit Card or Credit Card to qualify.
APR: 0.00%
ANNUAL FEE: See Terms
APPLICATION PROCESSING FEE: See Terms
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Fingerhut Credit Account
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  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
APR: 25.15%
ANNUAL FEE: $0
APPLICATION PROCESSING FEE: See Terms
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Surge Mastercard®
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  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
APR: See Terms*
ANNUAL FEE: See Terms*
APPLICATION PROCESSING FEE: N/A
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National Credit Direct
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  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reports to Major Credit Bureau.
APR: 0.0%
ANNUAL FEE: $49
APPLICATION PROCESSING FEE: $0
See card details
More Offers for BAD CREDIT! Apply Here!
Capital One® Secured Mastercard®
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Expert Rating:
Key Feature:
No annual fee, and all the credit building benefits with responsible card use Summary of Card Features:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • 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
Card Features:
Annual Fee$0
Application Processing FeeSee terms
Regular APR24.99% (Variable)
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness

See card details
Fair/Bad Credit
Total Visa Card
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Expert Rating:
Key Feature:
Reports monthly to all three major credit bureaus Summary of Card Features:
  • 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
Card Features:
Annual FeeSee Terms*
Application Processing FeeSee Terms*
Regular APRSee Terms*
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Reports monthly to credit bureaus.
  • Card with instant response.
  • Accepted anywhere across U.S. and online.

  • One-time processing fee applies.
See card details
OpenSky® Secured Visa® Credit Card
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Expert Rating:
Key Feature:
Build Your Credit fast with our monthly reporting to all 3 major Credit Bureaus. Summary of Card Features:
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3,000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • Extra credit when you need it, increase your credit line up to $5,000.
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Card Features:
Annual Fee$35
Application Processing FeeSee Terms
Regular APR18.14%
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Monthly updates to 3 credit bureaus.
  • No Credit Check.
  • No checking account required!

  • Security deposit is required.
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Credit One Bank® Platinum Visa®
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Expert Rating:
Key Feature:
See if you Pre-Qualify without harming your credit score Summary of Card Features:
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Card Features:
Annual Fee$0 - $99
Application Processing FeeSee terms
Regular APR16.15% - 24.65% Variable
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • 1% cash back on eligible purchases, terms apply.
  • Ability to choose your payment date.
  • Free online access to credit score.

  • Annual fee may apply.
See card details
Apply for a credit card with bad credit history

Bad credit history is an upset thing to say the least. But still you have an opportunity to improve it. The banks can give you a chance to build your credit rating by offering you different cards. If you have a fair credit history you can apply for credit cards for poor credit. And of course there are limited credit cards for no or limited credit. These cards are ideal for starting up or improving your credit score. Of course these cards have rather low credit limit but if you manage your credit wisely, it can be increased.

Bad credit is not as bad as bankruptcy. If you filed for bankruptcy, it'll be hard to start all over again. But this situation can appear to be a fresh start. It means that you can freely apply for secured credit cards for bad credit and start gaining credit score rating from the beginning. After a while, as you run your credit carefully, you could apply for a limited credit card for poor credit.

Learn more about Poor Credit! Use Credit-Land.com Resources

CREDIT CARD RESEARCH
National Credit Direct: 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...
Horizon Gold Credit Card: Guaranteed Approval, Even for Bad Credit Customers with bad credit or no credit are guaranteed approval and promised a $500 credit line when they apply for this card. The issuer reports to...
Fingerhut Credit Account: Fast Financing for Limited Credit Even if you’ve been turned down for credit cards, you can get instant approval from Fingerhut – a credit account that lets customers buy catalogue...

Easy Approval for Bad Credit cards

If you ask yourself whether you can get a credit card with bad credit or not? The answer is: "Yes!" There are banks that will offer you their cards and it is not necessary to wait. Today you can get pre-approval, guaranteed approval or even instant approval. Some banks can give you an instant approval within 60 secs (such an instant response on your online application). Be sure that even with bad credit history you are eligible and fit for an instant online approval.

Sometimes banks estimate your credit ability beforehand (just think about what you've been recently filling up). They pre-approve you and thus you are getting quite an easy credit. This is possible not only for clients with good or excellent credit history. If you have subprime credit, bank can offer you poor credit credit cards or other cards with pre-approving.

Credit Card FAQ

If you have any question on a credit cards for people with bad credit (and not only) or something is not quite clear to you, feel free to ask our credit experts or just scroll through the previous questions.

You can apply for a secured credit card. You will need to put down a security deposit to get this card. A minimum security deposit is around $200 and it gets you the equal line of credit.
Well, you will definitely not want to have a credit card with the 30% APR, and such cards do exist. The APR of 24% is also quite high, but it is common for credit cards that are offered to people with bad credit. However, it is possible to avoid interest payments on purchases by paying of...
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Limited Credit Cards from Top Companies

Such credit market leaders as Visa Credit Card and MasterCard offer wide range of bad credit credit cards.

Visa credit cards for bad credit give you big opportunities as they are accepted in most countries and in every ATM you stumble across. These cards will surely provide you with perfect services irrespectively of your credit history.

MasterCard are other popular credit cards. They are also wildly accepted and provide their holders perfect services. Any MasterCard card can respond to multiple clients needs even if they have limited or bad credit.

How to get a credit card with bad credit from Visa and MasterCard? Just look over their products on CreditLand. Both companies issue some of the best credit cards for bad credit. Choose the product that fits your needs and apply online.

Credit History Center

1. What is a bad credit score?

Credit bureaus gather the information about your current and previous credits, payments and late payments which constitute your credit score rating. As all data about your credits gathered in one place you can't avoid having a bad credit history, if you delay your payments or have debts. Every delay would negatively affect your credit score.

2. How to know credit score?

Along with your application form lenders check your credit history. It is represented as a number - credit score - in a Credit Report. To check credit history report you can request a credit bureau (e.g. Equifax, Experian and TransUnion). This request can be made once a year for free or more than once a year but for money.

Find Out Your Credit Score

3. How to fix bad credit?

If you have no or bad credit history there's a chance to build or rebuild it. For this purpose card issuers offer secured, unsecured and prepaid credit cards. These cards are issued especially for people with bad credit. Such credit card offers for a bad credit will help you to improve or gain your credit score in a faster and secure way.

Three options for Bad credit

There are three types of credit cards for bad credit history: prepaid, unsecured and secured cards.

  • Secured credit card is a great tool for building or rebuilding your credit score. These cards require a security deposit which ensures you against overspending and gives the bank confidence in your creditworthiness.
  • Unsecured credit cards for bad credit are similar to secured but not as advantageous as first. These cards have no security interest for the credit provided and rather high fees. But multiple choices of unsecured credit cards and different benefits and rewards cover all possible disadvantages. If you are confident in your credit responsibility, you can safely apply for unsecured credit card.
  • Prepaid credit cards are cards refillable by cardholder. They are the safest way to start or rebuild your credit score as you never have to worry about overdrafts. You can use your prepaid credit card for any purposes as usual plastic card.