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ADVERTISING DISCLOSURE:
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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 December 2020
- Unsecured Cards
- Secured Cards
- Rebuild Credit
our choice
Card Type
Unsecured Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Instant Response
Yes
Credit Pull
See Terms
- YOU’RE NOT ALONE – First PREMIER Bank values its customers and employees and helping them build a bright future.**
- WORKING TOGETHER - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.**
- Looking to build credit? We report to the major consumer reporting agencies monthly**
- Apply online for a credit card to build credit**
- Fast, easy & secure online applications
- Credit limit increases can be evaluated after 12 months. Just ask!
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See Terms
Instant Response
Yes
Credit Pull
Soft Pull
- 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 Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Instant Response
Yes
Credit Pull
See Terms
- YOU CAN DO MORE THAN JUST GET BY - First PREMIER Bank values its customers and employees and helping them build a bright future.**
- Looking to build a credit future? We report to the major consumer reporting agencies monthly**
- Reports to consumer reporting agencies help you monitor your financial progress to build credit history (build credit by keeping your balance low and paying on time every month)
- Access to credit, and the things you need (subject to available credit)
- First PREMIER customer service: helpful, friendly, fast
- Apply online for a credit card to build credit**
our choice
our choice
Maximum Loan Amount
$2,500
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
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
- Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build up your Credit with a card that reports to all three major credit bureaus every month.
- 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 – it just takes moments to apply.
- Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (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.
- Issued by Synovus Bank, Member: FDIC.
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Build your Credit with responsible handling of your account
- Receive a $500 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
Instant Response
Yes
- Borrow $100 to $35,000 - Fast
- Instant Decision - Minimal Paperwork
- Safe, Secure, & Trusted form
- All credit types welcome!
our choice
our choice
Card Type
Secured
Regular APR
26.99% (Variable)
Annual Fee
$0
Instant Response
No
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Build your Credit with responsible handling of your account
- Receive a $500 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See Terms
Instant Response
Yes
Credit Pull
Soft Pull
- 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
25.90% - 29.99%
Annual Fee
$75 - $99
Instant Response
Yes
Credit Pull
Hard Pull
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
- Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build up your Credit with a card that reports to all three major credit bureaus every month.
- 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 – it just takes moments to apply.
- Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (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.
- Issued by Synovus Bank, Member: FDIC.
our choice
our choice
Card Type
Unsecured
Regular APR
See terms
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Hard Pull
- Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
- Reports to All Three Major Credit Bureaus
- Access Additional Credit with On-Time Payments and Responsible Usage
- Fixed APR and Manageable Monthly Payments
- A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms
Annual Fee
See Terms
Instant Response
Yes
Credit Pull
Hard Pull
- 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
- $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
17.39% (variable)
Annual Fee
$35
Instant Response
No
Credit Pull
Soft Pull
- 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
Instant Response
No
Credit Pull
Soft Pull
- 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
26.99% (Variable)
Annual Fee
$0
Instant Response
No
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
our choice
our choice
Card Type
Secured
Regular APR
22.99% Variable
Annual Fee
$0
Instant Response
No
Credit Pull
See Terms
- 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 by providing a refundable security deposit of at least $200 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
our choice
our choice
Card Type
Secured
Regular APR
18.90% (fixed)
Annual Fee
$39.00
Instant Response
No
Credit Pull
Hard Pull
- Upon credit approval, choose your initial collateral deposit between $200 and $1000; your credit limit will equal the collateral deposit amount.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit
- Reports monthly to all three major credit bureaus
- Build or rebuild your credit with responsible use.
- 24/7 online account center.
- A minimum collateral deposit of $200 is required to open this account
our choice
our choice
- Credit lines available from $200 to $5,000! Low 13.99% variable 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.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional Oakstone Gold Secured Mastercard® details
our choice
our choice
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
- Credit lines available from $200 to $5,000! Super Low 9.99% variable 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.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional Oakstone Platinum Secured Mastercard® details
our choice
our choice
- Enjoy 0% APR on Purchases for Six Months!
- Full-Feature Platinum Mastercard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- * See Card Terms.
our choice
our choice
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
Card Type
Secured
Regular APR
17.39% (variable)
Annual Fee
$35
Instant Response
No
Credit Pull
Soft Pull
- 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
22.99% Variable
Annual Fee
$0
Instant Response
No
Credit Pull
See Terms
- 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 by providing a refundable security deposit of at least $200 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
our choice
our choice
Card Type
Secured
Regular APR
26.99% (Variable)
Annual Fee
$0
Instant Response
No
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
our choice
our choice
Card Type
Secured
Regular APR
9.99% (Fixed)
Annual Fee
$48
Instant Response
No
Credit Pull
Soft Pull
- 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
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See Terms
Instant Response
Yes
Credit Pull
Soft Pull
- 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
18.90% (fixed)
Annual Fee
$39.00
Instant Response
No
Credit Pull
Hard Pull
- Upon credit approval, choose your initial collateral deposit between $200 and $1000; your credit limit will equal the collateral deposit amount.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit
- Reports monthly to all three major credit bureaus
- Build or rebuild your credit with responsible use.
- 24/7 online account center.
- A minimum collateral deposit of $200 is required to open this account
our choice
our choice
- Credit lines available from $200 to $5,000! Low 13.99% variable 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.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional Oakstone Gold Secured Mastercard® details
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Build your Credit with responsible handling of your account
- Receive a $500 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
- Credit lines available from $200 to $5,000! Super Low 9.99% variable 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.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional Oakstone Platinum Secured Mastercard® details
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...
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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...
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commentsABOUT
CREDIT OFFERS FOR BAD CREDIT
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