Credit Cards for People with Bad Credit 2019
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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.
When you use a credit card keep in mind that your credit behavior 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. Please note that not all credit cards come with $500 credit limit and some are fee based offers.
Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured Store Card
0.00%
See Terms
Yes
CARD DETAILS:
- 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.
Fair / Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Issuer Website
See Issuer Website
No
CARD DETAILS:
- Must have checking account to qualify
- Reports to the major Consumer Reporting Agencies.
- We provide a response in 60 seconds or less.
- Bad Credit? Good Option!
- Credit limit increase eligibility after 13 months and kept your account in good standing.
- Know the score! Quarterly FICO score on your monthly billing statements
- $0 Fraud Liability on unauthorized charges. Restrictions apply.
- Our application is easy and confidential.
- Looking for a new credit card? Apply today!
- Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Any Credit
Summary of Key Features:
Maximum Loan Amount
Minimum Loan Amount
Minimum Income Required
Minimum Age of a Borrower
$5,000
$500
$1,000 (net)
18
LOAN DETAILS:
- Up to $5,000 deposited to your bank account, if approved
- Get funds as soon as the net business day
- Fast, Safe, and Convenient - all online!
Bad/Fair Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- 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 Program Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
Fair / Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Issuer Website
See Issuer Website
No
CARD DETAILS:
- Must have checking account to qualify
- A 60 second response could mean a new credit card for you!
- A Gold credit card offer for those with less than perfect credit.
- Manage your account online 24/7 free of charge
- Zero fraud liability protects you from unauthorized charges. Restrictions apply.
- Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
- Easy Online Application!
- Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
Fair/Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- 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
All Credit Considered
Summary of Key Features:
Maximum Loan Amount
Minimum Loan Amount
Minimum Income Required
Minimum Age of a Borrower
$40,000
$100
See terms
18
LOAN DETAILS:
- 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
Limited, Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
26.99% (Variable)
$0
No
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Bad/Fair Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- 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 Program Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
Fair / Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Issuer Website
See Issuer Website
No
CARD DETAILS:
- Must have checking account to qualify
- Reports to the major Consumer Reporting Agencies.
- We provide a response in 60 seconds or less.
- Bad Credit? Good Option!
- Credit limit increase eligibility after 13 months and kept your account in good standing.
- Know the score! Quarterly FICO score on your monthly billing statements
- $0 Fraud Liability on unauthorized charges. Restrictions apply.
- Our application is easy and confidential.
- Looking for a new credit card? Apply today!
- Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Bad/Fair Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured Store Card
0.00%
See Terms
Yes
CARD DETAILS:
- 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.
Bad/Fair Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- 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 Program Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
Fair/Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- 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
Limited, Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
26.99% (Variable)
$0
No
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Poor/Limited/No Credit
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
13.99% (Fixed)
$39
No
CARD DETAILS:
- 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
Please refer to issuer's website
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
25.24% Variable
$0
No
CARD DETAILS:
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line with your tax return by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- We automatically match all the cash back you've earned at the end of your first year.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Bad / No Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
19.64% (variable)
$35
No
CARD DETAILS:
- 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.
Bad/No Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
9.99% (Fixed)
$48
No
CARD DETAILS:
- 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
Limited, Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
26.99% (Variable)
$0
No
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Fair / Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Issuer Website
See Issuer Website
No
CARD DETAILS:
- Must have checking account to qualify
- Reports to the major Consumer Reporting Agencies.
- We provide a response in 60 seconds or less.
- Bad Credit? Good Option!
- Credit limit increase eligibility after 13 months and kept your account in good standing.
- Know the score! Quarterly FICO score on your monthly billing statements
- $0 Fraud Liability on unauthorized charges. Restrictions apply.
- Our application is easy and confidential.
- Looking for a new credit card? Apply today!
- Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Bad/Fair Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured
See Terms*
See Terms*
No
CARD DETAILS:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Bad Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Unsecured Store Card
0.00%
See Terms
Yes
CARD DETAILS:
- 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.
Bad / No Credit
Compare
Summary of Key Features:
Card Type
Regular APR
Annual Fee
Guaranteed Approval
Secured
19.64% (variable)
$35
No
CARD DETAILS:
- 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.
Not Sure Which Card to Choose? Ask Our Experts!
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 building 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 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 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.
Living With Bad Credit
1. Although, most credit cards designed for people with bad credit, interest rates are much higher than for any other credit card. Paying off the card balance at the end of each month will help you avoid interest payments.
2. Secured Cards allow you to start a credit history. If you never miss payments and are careful with your spending, some banks may upgrade your secured card to an unsecured account and will refund your security 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 a better tomorrow.
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