ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts 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.
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts 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 April 2020
- Unsecured Cards
- Secured Cards
- Rebuild Credit
our choice
Card Type
Unsecured Store Card
Regular APR
0.00%
Annual Fee
See Terms
Guaranteed Approval
No
Instant Response
Yes
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
our choice
our choice
Card Type
Unsecured
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Guaranteed Approval
No
Instant Response
No
- YOU’RE NOT ALONE. With millions of customers nationwide, First PREMIER Bank has the expertise to serve you, your family and friends.
- Access to available credit when you need it
- Low monthly payment intended to fit your budget
- Build credit with First PREMIER-opportunity for credit limit increases after consistent responsible account management
- Customized account management options to fit your needs
our choice
our choice
Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
our choice
our choice
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Request a loan in under 2 minutes!
- This service is free and will NOT affect your credit score
- Money can be deposited as soon as the next business day
our choice
our choice
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Request a loan in 2 minutes or less
- Direct deposit as soon as the next business day
- All credit types considered
- Safe and secure online form
our choice
our choice
Card Type
Unsecured
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Guaranteed Approval
No
Instant Response
No
- YOU CAN DO MORE THAN JUST GET BY – First PREMIER Bank’s user-friendly app offers fast, easy and convenient access to account management, when and where it’s needed
- Access to credit, and the things you need (subject to available credit)
- Reports to consumer reporting agencies helps you monitor financial progress
- HELPING YOU LIVE A BETTER LIFE - As the 12th largest issuer of Mastercard, First PREMIER Bank understands customer needs and is there for those who may be rejected by other issuers.
- Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Guaranteed Approval
No
Instant Response
Yes
- Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Select your favorite card design from our gallery, for free!
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
our choice
our choice
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Request a loan in under 2 minutes!
- This service is free and will NOT affect your credit score
- Money can be deposited as soon as the next business day
our choice
our choice
Card Type
Secured
Regular APR
18.89% (variable)
Annual Fee
$35
Guaranteed Approval
No
Instant Response
Yes
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Guaranteed Approval
No
Instant Response
Yes
- Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Select your favorite card design from our gallery, for free!
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
our choice
our choice
Card Type
Unsecured Store Card
Regular APR
0.00%
Annual Fee
See Terms
Guaranteed Approval
No
Instant Response
Yes
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Guaranteed Approval
No
Instant Response
Yes
- Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Select your favorite card design from our gallery, for free!
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Guaranteed Approval
No
Instant Response
Yes
- Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Select your favorite card design from our gallery, for free!
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
our choice
our choice
Card Type
Secured
Regular APR
18.89% (variable)
Annual Fee
$35
Guaranteed Approval
No
Instant Response
Yes
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Card Type
Secured
Regular APR
13.99% (Fixed)
Annual Fee
$39
Guaranteed Approval
No
Instant Response
No
- Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional Green Dot primor® Visa® Classic Secured Credit Card details
our choice
our choice
Card Type
Secured
Regular APR
9.99% (Fixed)
Annual Fee
$48
Guaranteed Approval
No
Instant Response
No
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
our choice
our choice
Card Type
Secured
Regular APR
18.95% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Guaranteed Approval
No
Instant Response
No
- Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
- Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
- Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
- Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
- Easy funding options – several convenient options to easily fund your security deposit.
- Worldwide acceptance - use it anywhere Visa is accepted.
- Quick, easy application - apply online today!
our choice
our choice
Card Type
Secured
Regular APR
18.89% (variable)
Annual Fee
$35
Guaranteed Approval
No
Instant Response
Yes
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Card Type
Secured
Regular APR
9.99% (Fixed)
Annual Fee
$48
Guaranteed Approval
No
Instant Response
No
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
our choice
our choice
Card Type
Unsecured Store Card
Regular APR
0.00%
Annual Fee
See Terms
Guaranteed Approval
No
Instant Response
Yes
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
our choice
our choice
Card Type
Secured
Regular APR
18.95% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Guaranteed Approval
No
Instant Response
No
- Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
- Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
- Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
- Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
- Easy funding options – several convenient options to easily fund your security deposit.
- Worldwide acceptance - use it anywhere Visa is accepted.
- Quick, easy application - apply online today!
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
I want to apply for the PNC cash rewards card but not sure I will be approved for this card with my scores 628 EX, 674TU and 682EQ. What do you think my chances are? Can I prequalify for this card?
All in all, your credit scores are considered average. To apply for a PNC credit card your credit should be good or better, which is 700 or higher credit score. If you apply for a PNC credit card with your current...
Read moreMy credit is bad and I would like to apply for the Big Lots credit card but I'm not sure I will qualify. Do you think I can qualify with my slightly above 500 score and I often shop at Big Lots?
Store credit cards like the Big Lots are usually good for those with average credit, meaning your credit score should be above 600. But it does not mean you won't be able to qualify for this card while your credit is...
Read moreI’ve just started building my credit and thinking to apply for Overstock credit card. Do you think it is good for me?
As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. But it is said that the Overstock credit card is offered to people with good or...
Read more
commentsABOUT
CREDIT OFFERS FOR BAD CREDIT
must read FEATURED NEWS
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Mar 30, 2020
Many big retailers and chain stores offer store credit cards, also known as retail cards, to...
Paying too much in credit card interest is not fun and you will definitely want to look for a way...