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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact 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 October 2024
- Secured Cards
- Personal Loans
- Debit
Cards
our choice
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
our choice
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
our choice
our choice
Loans up to
$100,000
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$100,000
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
Yes
Instant Response:
Yes
Credit Agencies Report:
Yes
our choice
$100
Credit Limit
Security Deposit:
$100
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Your next tool for building credit!
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
our choice
our choice
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
No
our choice
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
No
Card Usage:
See terms
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
Yes
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help
our choice
0%
APR on Purchases
Annual Fee:
See website for Details*
Regular APR:
0%
Late Payment Fee:
See website for Details*
$750
Credit Limit
Security Deposit:
No
Credit Line:
$750 Unsecured Credit Limit*
Credit Line Increase:
See website for Details*
Instant Response
Instant Response:
Yes
Card Network:
Horizon Card Services
Credit Check:
No
our choice
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
our choice
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check :
Yes
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
our choice
$100
Credit Limit
Security Deposit:
$100
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Your next tool for building credit!
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
our choice
0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
No
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0
our choice
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
our choice
Up to
10%
Cash Back
Max. Rewards:
Earn up to 10% cash back on everyday purchases
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Visa® is Accepted
Credit Check:
No
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0%
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
27.74% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically
Redemption Options:
Redeem your rewards for cash in any amount.µ
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Credit Line Increase:
No
our choice
Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Credit Line from
$200
Security Deposit:
Secure your credit line with your refundable security deposit – choose from $200 - $2,000.
Credit Line:
$200 - $2,000
Credit Line Increase:
The ability to increase up to $5,000 over time!
$0
Annual Fee
Annual Fee:
$0.00
Foreign Transaction Fee:
3%
Late Payment Fee:
Up to $41.00
our choice
Up to
10%
Cash Back
Max. Rewards:
New feature! Earn up to 10% cash back on everyday purchases
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Credit Line Increase:
Get considered for a credit line increase after 6 months, with no additional deposit required
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
25.14% (variable)
Annual Fee:
$35
our choice
Credit Line from
$200
Security Deposit:
Secure your credit line with a refundable security deposit - as low as $200 to get started!
Credit Line:
$200 - $2,000
Credit Line Increase:
See website for Details*
Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
our choice
our choice
Loans up to
$100,000
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$100,000
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
Yes
Instant Response:
Yes
Credit Agencies Report:
Yes
our choice
our choice
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
No
our choice
our choice
No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$750
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$750
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes
our choice
- Get up to a +86 average341 FICO® Score increase on autopilot
- Largest credit builder in the nation
- Build from $2,000 up to $30,000 of credit history starting at low monthly payments
- Great if you want to access premium CCs & higher credit limits
- No credit history needed; no hard check required
- No prepayment or early cancellation fees
our choice
Loans up to
$30,000
Minimum Loan Amount:
$2,000
Maximum Loan Amount:
$30,000
Term of Loan:
See terms
No Credit Check
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
All
Credit Types Welcome
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
our choice
- Personal Loans From $100 - $30,000
- Submit your request using Tidal Lending and we will search our network to find you a loan provider in real time, no expired offers, no waiting.
- Our service could connect you with a lender to get you your funds as soon as possible!
- Your personal data is encrypted when using our service.
our choice
Loans up to
$30,000
Minimum Loan Amount:
$100
Maximum Loan Amount:
$30,000
Term of Loan:
See terms
our choice
our choice
Instant Response
Credit Recommended:
All Credit Types Are Welcome
Minimum Age of a Borrower:
18
Employment Required:
Yes
Loans from
$100
Minimum Loan Amount:
$100
Maximum Loan Amount:
$5,000
Term of Loan:
See terms
Loans up to
$5,000
Minimum Loan Amount:
$100
Maximum Loan Amount:
$5,000
Term of Loan:
See terms
our choice
our choice
Loans up to
$5,000
Minimum Loan Amount:
$100
Maximum Loan Amount:
$5,000
Term of Loan:
See terms
Instant Response
Credit Recommended:
All Credit Types Welcome
Minimum Age of a Borrower:
18
Employment Required:
Yes
our choice
our choice
Loans from
$100
Minimum Loan Amount:
$100
Maximum Loan Amount:
$10,000
Term of Loan:
See terms
our choice
- 1% Cash back on Debit Card purchases with qualifying activity. See website for details
- No minimum opening deposit and no minimum balance
- Early paycheck access; up to 2 days early
- Fee free overdraft protection
- No fees
- eWallet compatible (Apple, Google, Samsung)
- Large ATM network
- Mobile check deposit
- Online bill pay
- Peer-to-peer payments via Zelle.
- FDIC Insured
our choice
Great Rewards
Rewards on Everyday Purchases:
1% Cash back on Debit Card purchases with qualifying activity. See website for details
No Credit Check
Instant Response:
No
Guaranteed Approval:
Yes!
Credit Check:
No
Overdraft Available
Overdraft Available:
Yes
Overdraft Fee:
$0
Maximum Overdraft Limit:
See terms
our choice
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
our choice
Great Rewards
Rewards on Everyday Purchases:
Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
Mastercard
Prepaid Card
Card Network:
Mastercard®
Activation Fee:
$0
Paper Statement Fee:
$5.95
Overdraft Available
Overdraft Available:
Yes
Overdraft Fee:
$15
Maximum Overdraft Limit:
Up to $200 with opt-in and eligible direct deposits
our choice
- The Ultimate Mobile Bank Account.
- Get your government benefits up to 4 days early. Plus, direct deposit unlocks exclusive perks!
- Get your pay up to 2 days early with eligible direct deposit.
- No monthly fees with eligible direct deposit, otherwise $5 per month.
- No hidden fees.
- No minimum balance to open an account online.
- Fees, terms and conditions apply. Learn more at www.go2bank.com.
our choice
Visa
Prepaid Card
Card Network:
Visa
Activation Fee:
$0
Paper Statement Fee:
See terms
No Credit Check
Instant Response:
No
Guaranteed Approval:
N/A
Credit Check:
No
Overdraft Available
Overdraft Available:
Yes
Overdraft Fee:
$15 for each transaction that is greater than $5 and overdraws your primary deposit account by more than $10, up to a maximum of ten overdraft fees per monthly statement period
Maximum Overdraft Limit:
Up to $200 with opt-in and eligible direct deposit
our choice
our choice
Visa
Prepaid Card
Card Network:
Visa®
Activation Fee:
$0
Paper Statement Fee:
See terms
No Credit Check
Instant Response:
No
Guaranteed Approval:
Yes!
Credit Check:
No
Guaranteed Approval
Instant Response:
No
Guaranteed Approval:
Yes!
Credit Check:
No
our choice
- Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
- Advance up to $250 from your next paycheck.
- Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
- Access your paycheck up to 2 days early with direct deposit.
- No hidden fees ($0 minimum balance and $0 maintenance fees).
- Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.
our choice
Great Rewards
Rewards on Everyday Purchases:
Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
Bonus Offer:
—
Additional Rewards:
Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
Mastercard
Prepaid Card
Card Network:
Mastercard
Activation Fee:
$0
Paper Statement Fee:
$0
No Credit Check
Instant Response:
No
Guaranteed Approval:
Yes!
Credit Check:
No
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...
Read moreBad credit - what you can do about it
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...
Read more
commentsABOUT
CREDIT OFFERS FOR BAD CREDIT🜂
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