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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.

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  • Cards of February 2021
  • Unsecured Cards
  • Secured Cards
  • Rewards
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Card Type
Unsecured Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Instant Response
Yes
Credit Pull
See Terms
  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Use this card everywhere Mastercard cards are accepted (subject to available 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
  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Principal Platinum - Credit-Land.com

Rating 3.5

APPLY

Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
  • Instant Approval / $750 Credit Line!
  • TRY US RISK-FREE FOR 7 DAYS!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Citrus Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

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

Instant Response

Loans up to $2,500

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

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!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for RedArrow Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Minimum Income Required
$1,800
Minimum Age of a Borrower
23
Instant Response
No
  • Need Cash? Get up to $35,000
  • Installment loans for you!
  • Personal Loans Online - All Credit Types Considered
  • Connect with a Lender who understands your Financial needs!
  • See cash in your account as soon as the next business day

our choice

Loans up to $35,000

Apply for Secured Mastercard® from Capital One - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

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
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Fit Mastercard® Credit Card - Credit-Land.com

Rating 3.7

APPLY

Bad/Fair Credit

our choice

Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
  • 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

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Principal Platinum - Credit-Land.com

Rating 3.5

APPLY

Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
  • Instant Approval / $750 Credit Line!
  • TRY US RISK-FREE FOR 7 DAYS!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Fit Mastercard® Credit Card - Credit-Land.com

Rating 3.7

APPLY

Bad/Fair Credit

our choice

Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
  • 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

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

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!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Reflex Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Instant Response
Yes
Credit Pull
Hard Pull
  • See if you’re Pre-Qualified with no impact to your credit score
  • 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
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Freedom Gold Card - Credit-Land.com

Rating 3.5

APPLY

Damage credit to Fair credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See website for Details*
Instant Response
Yes
Credit Pull
Soft Pull
  • $750 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Merit Platinum Card - Credit-Land.com

Rating 3.5

APPLY

Fair/Bad/No Credit

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, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
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

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

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

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Secured Mastercard® from Capital One - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

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
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for PCB Secured Visa® - Credit-Land.com

Rating 3.2

APPLY

Bad/No Credit

our choice

Card Type
Secured
Regular APR
18.90% (fixed)
Annual Fee
$39.00
Instant Response
No
Credit Pull
Hard Pull
  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • 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 by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.

our choice

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Visa cards are accepted

Apply for Discover it® Secured Credit Card - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Card Type
Secured
Regular APR
22.99% Variable APR
Annual Fee
$0
Instant Response
No
Credit Pull
See Terms
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • 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

Annual Fee: $0

Rewards Bonus

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.

Rewards

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.

Foreign Transaction Fee: None

Apply for Oakstone Gold Secured Mastercard® - Credit-Land.com

Rating 3.1

APPLY

Poor/Limited/No Credit

our choice

Card Type
Secured
Regular APR
13.99% (V)
Annual Fee
$39
Instant Response
No
Credit Pull
Soft Pull
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Card Type
Secured
Regular APR
9.99% (V)
Annual Fee
$49
Instant Response
No
Credit Pull
Soft Pull
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Oakstone Platinum Secured Mastercard® - Credit-Land.com

Rating 3.1

APPLY

Poor/Limited/No Credit

our choice

Card Type
Secured
Regular APR
9.99% (V)
Annual Fee
$49
Instant Response
No
Credit Pull
Soft Pull
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Card Type
Secured
Regular APR
12.99% (V)
Annual Fee
$49
Instant Response
No
Credit Pull
Hard Pull
  • 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

0% Intro APR on Purchases

Intro APR on Purchases:
0% (6 months on Purchases)

Ongoing APR on Purchases:
12.99% (V)

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

our choice

Card Type
Secured
Regular APR
19.99% (V)
Annual Fee
$29
Instant Response
No
Credit Pull
Soft Pull
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Secured Credit Card - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Card Type
Secured
Regular APR
22.99% Variable APR
Annual Fee
$0
Instant Response
No
Credit Pull
See Terms
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • 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

Annual Fee: $0

Rewards Bonus

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.

Rewards

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.

Foreign Transaction Fee: None

Apply for Petal® 1 <q>No Annual Fee</q> Visa® Credit Card - Credit-Land.com

Rating 4.3

APPLY

Fair/Bad/Limited/No Credit

our choice

Card Type
Unsecured
Regular APR
19.99 - 29.49% Variable
Annual Fee
$0
Instant Response
No
Credit Pull
Hard Pull
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits
  • Variable APRs 19.99 - 29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

our choice

Annual Fee: $0

Rewards

2% - 10% cash back from select merchants

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

our choice

Card Type
Prepaid
Guaranteed Approval
Yes
Instant Response
No
Credit Check
No
Instant Response
  • Earn cash back on debit card purchases and up to 15x the national interest rate on savings
  • Choose a monthly fee you think is fair
  • Spend and save with fossil fuel-free deposits
  • Fee-free ATM withdrawals at 55,000+ Allpoint ATMs
  • Cash back on debit card purchases at socially conscious businesses
  • Up to 1.00% in interest on savings with Aspiration Plus
  • Plant a tree with every roundup
  • Personal impact score to help you shop to match your values

our choice

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Guaranteed Approval

No Credit Check

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.

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