Credit Cards for People with Bad Credit 2018
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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.
Bad/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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
Fair / Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
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!
- 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.
Fair / Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
CARD DETAILS:
- Checking Account Required
- All credit types welcome to apply!
- A manageable credit limit can help you stay in control.
- No fees for making payments.
- Got 60 seconds? Get a response!
- Only you can build a good credit history. 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.
- Chip card technology, so paying for your purchases is more secure at chip-card terminals
- Completing the application is easy.
- 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.
Limited/No Credit
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
- Enroll in Direct Deposit and get your pay up to two days early.* Certain restrictions apply. See card site for details.
- Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.*
- Stay connected – keep track of your money on your mobile phone with the free RushCard app.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
- Shop online and in stores - everywhere Visa debit cards are accepted.
- Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application
- If approved, pay a Processing 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
- Online Customer Center available 24 x 7
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Fair / Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
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
Limited/No Credit
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
- Enroll in Direct Deposit and get your pay up to two days early.* Certain restrictions apply. See card site for details.
- Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
- No credit check* or minimum balance required. Approval upon successful ID verification.*
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Transfer money to another RushCard member for just $0.99 per transaction.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
- Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
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.
Limited/No Credit
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
- Stay connected – keep track of your money on your mobile phone with the free RushCard app.
- Get your government benefits up to two days early with Direct Deposit.* Certain restrictions apply. See card site for details.
- Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.* See card site for details.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Real time activity alerts sent to your mobile phone via text or email.* Standard text message and data rates, fees, and charges may apply.
- Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
Any Credit
Summary of Key Features:
Maximum Loan Amount
Minimum Loan Amount
Minimum Income Required
Minimum Age of a Borrower
$5,000
$500
See terms
18
LOAN DETAILS:
- Up to $5,000 deposited to your bank account
- Get funds as soon as tomorrow
- Fast, Safe, and Convenient - all online!
Limited/No Credit
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
- Get your government benefits up to two days early with Direct Deposit.* Certain restrictions apply. See card site for details.
- Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.*
- Check your balance, view transactions, and even transfer money with the RushCard mobile app.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
- Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
- Transfer money to another RushCard member for just $0.99 per transaction.
- Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application
- If approved, pay a Processing 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
- Online Customer Center available 24 x 7
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Fair / Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
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
Bad/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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
Fair / Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
CARD DETAILS:
- Checking Account Required
- All credit types welcome to apply!
- A manageable credit limit can help you stay in control.
- No fees for making payments.
- Got 60 seconds? Get a response!
- Only you can build a good credit history. 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.
- Chip card technology, so paying for your purchases is more secure at chip-card terminals
- Completing the application is easy.
- 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 Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
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:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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 Processing 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!
- No-Fee credit line increase opportunities!
Bad/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.0%
See Terms*
CARD DETAILS:
- Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
- 5% Cash Back on All Purchases or FREE merchandise6
- $1/day6 or less for Apple, Samsung, Acer and more
- No Over Limit Fee
- FREE Credit Score Every Month -- Won't affect your credit
- Bad Credit, No Credit, No Problem
- Build Your Credit and Payment History with Unsecured Credit Line
- Up to $3,500 Spending Limit
- Instant Response -- Start shopping in the next 60 Seconds
Bad/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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 Processing 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!
- No-Fee credit line increase opportunities!
Limited, Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
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 / No Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.14% (variable)
$35
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:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
9.99% (Fixed)
$48
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
Please refer to issuer's website
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
10.99% (6 months)
24.74% Variable
$0
CARD DETAILS:
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
- We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
- 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 - automatically.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- 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.
Poor/Limited/No Credit
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
9.99% (Fixed)
$49
CARD DETAILS:
- Credit lines available from $200 to $5,000! Super Low Fixed 9.99% 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® Mastercard® Gold Secured Credit Card details
Bad / No Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.14% (variable)
$35
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/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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
Fair / Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
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:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application
- If approved, pay a Processing 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
- Online Customer Center available 24 x 7
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Limited, Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
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:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
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 Processing 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!
- No-Fee credit line increase opportunities!
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 better tomorrow.
See also Credit Cards for:
