Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact 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.
Best Credit Cards and Personal Loans for Bad Credit from Our Partners
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.
- Cards of July 2024
- Secured Cards
- Personal Loans
- Debit
Cards
our choice
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
our choice
our choice
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
our choice
our choice
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
our choice
our choice
- To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
- Chime® Checking Account and $200 qualifying direct deposit required to apply.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
- Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
- Reports to all 3 major credit bureaus.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
- The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- *Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.
our choice
our choice
- Your next tool for building credit! $comm_327 = "yes"; ?>
- The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
- Accounts in good standing may have opportunities to increase the credit limit over time.
- Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
- Your card can be used everywhere Visa® credit cards are accepted in the U.S.
- No hard credit check or hard pull.
our choice
our choice
- Get Personalized Credit Card Offers Based on Your Credit File from Experian®. 100% Free!
- Credit Cards Matched For You
- Compare Credit Card Offers
- See Cards In Under 60 Seconds
our choice
our choice
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
our choice
our choice
- Build credit & Earn rewards.
- Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
- Track your credit score every month.
- Learn with courses and pick up useful skills.
- Earn 1% back on loan offers. Up to $1,225.
- 0% APR / $0 fees. Instant approval. No credit check.
our choice
our choice
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Merchandise Credit Line
- Exclusive Member Benefits
- Start Shopping Right Away!
our choice
our choice
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build** your credit.
our choice
our choice
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
our choice
our choice
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
our choice
our choice
- Your next tool for building credit! $comm_327 = "yes"; ?>
- The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
- Accounts in good standing may have opportunities to increase the credit limit over time.
- Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
- Your card can be used everywhere Visa® credit cards are accepted in the U.S.
- No hard credit check or hard pull.
our choice
our choice
- To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
- Chime® Checking Account and $200 qualifying direct deposit required to apply.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
- Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
- Reports to all 3 major credit bureaus.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
- The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- *Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.
our choice
our choice
- 1% Cash Back Rewards on payments.
- Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
- Build or rebuild your credit!1
- Reports to all 3 major credit bureaus.
- No minimum credit score required for approval!
- Accepted wherever Mastercard® is accepted.
- Applying is quick and easy with our secure online application.
- 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *See Important Disclosures for complete offer details
our choice
our choice
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
our choice
our choice
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
our choice
our choice
- 1% Cash Back Rewards on payments.
- Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
- Build or rebuild your credit!1
- Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *See Important Disclosures for complete offer details
our choice
our choice
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
- Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
- Build or rebuild your credit!1
- Accepted wherever Mastercard® is accepted
- Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *See Important Disclosures for complete offer details
our choice
our choice
- 1% Cash Back Rewards on payments
- Choose your own credit line - $200 to $2000 – based on your security deposit
- Build your credit score.1 Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
our choice
our choice
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
our choice
our choice
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- A $750 revolving line of credit to use for Kikoff purchases
- Build payment history that gets reported to Equifax and Experian
our choice
our choice
- Personal Loans From $100 - $30,000
- Submit your request using Tidal Lending and we will search our network to find you a loan provider in real time, no expired offers, no waiting.
- Our service could connect you with a lender to get you your funds as soon as possible!
- Your personal data is encrypted when using our service.
our choice
our choice
- Request up to $10,000 in funding today!
- It's simple as one, two, three.
- Fast, Easy and Discreet
- Absolutely No Hidden Costs
- All Credit Scores Welcome
our choice
our choice
- Get improved your credit score in less than 7 days
- No credit check, no interest, no fees – just instant approval
- High credit limit instantly lowers your credit usage
- Use the Ava app to pay bills on time, building a positive payment history
- Daily reporting to all bureaus
- Subscription fee of $6/month when you sign up for an annual plan, the month to month subscription fee is $9
our choice
our choice
- Simply sign up to see the loans that best match you.
- Compare your best options and make your choice.
- Experian will apply your FICO® Score so you can apply with confidence.
- Free Experian Credit Report and FICO®Score every 30 days on sign in.
- Get credit for your phone, utility, and streaming service payments free, with Experian Boost.
our choice
our choice
- Flexible Payments
- Get Your Funds Fast
- All Credit Types
- Safe & Secure
our choice
our choice
- Personal Loans between $100 and $15,000 as soon as tomorrow.
- 5-Minute Loan Request.
- All Credit Types Welcome.
- Safe and Secure Process.
- Rebuild Your Credit.
our choice
our choice
- Get personal loans from $1,000 to $50,000288 $comm_288 = "yes"; ?>
- Personal loan that consider more your credit score
- No prepayment penalty
- Next day funding
- Lower rates
our choice
our choice
- 1% Cash back on Debit Card purchases with qualifying activity. See website for details
- No minimum opening deposit and no minimum balance
- Early paycheck access; up to 2 days early
- Fee free overdraft protection
- No fees
- eWallet compatible (Apple, Google, Samsung)
- Large ATM network
- Mobile check deposit
- Online bill pay
- Peer-to-peer payments via Zelle.
- FDIC Insured
our choice
our choice
- Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.1
- No interest. No credit checks. No deposit required.
- Track your spending & credit score—follow your progress with Credit Journey on the Extra App
- Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store1
- Use your bank—keep your money where you want, while spending smarter with Extra.1
- 1The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.
our choice
our choice
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
our choice
our choice
- The first debit card made just for taking care of your loved ones.
- Use your dedicated Givers debit card to easily separate caregiving expenses from everyday expenses. No more need for messy receipts or spreadsheets.
- Get savings on autopilot.
- No upfront cost, no hidden fees, savings guarantee.
our choice
our choice
- Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
- Advance up to $250 from your next paycheck.
- Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
- Access your paycheck up to 2 days early with direct deposit.
- No hidden fees ($0 minimum balance and $0 maintenance fees).
- Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.
our choice
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 build 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 the consumer reporting agencies, so you can build your credit history if you practice responsible credit behavior. 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.
Keep in mind that 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. Please note that not all credit cards come with a $500 credit limit and some are fee based offers.
questionsABOUT
CREDIT OFFERS FOR BAD CREDIT
Are low APR credit cards good to improve bad credit history?
A lot of credit card holders who are having a bad credit must be wondering what they should and which card they should adopt in order to improve their credit history. They must understand that credit cards, no matter...
Read moreAre there ways in which you can deal with bad credit?
Despite the best laid plans, you may have the occasional bad credit situation where you find things are simply falling into pieces. You may wonder about what you can do to get back on board with banks looking at you...
Read moreBad credit - what you can do about it
With recession affecting jobs for many, bad credit repayment is one of the hurdles faced by many. Bad credit may pose a problem in availing loans. But there is no need to worry. With competition brewing in every...
Read more