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Credit Cards For Bad Credit

Got bad credit? Filter by unsecured, no deposit required and other criteria etc to find a card even if your score is poor (300 to 650).

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Fingerhut Credit Account

Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 24.9%*(V) 
24.9%*(V) 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $200-$500 
$200-$500 
Credit Needed: Bad Credit 
Bad Credit 
Our Take: The FIngerhut Credit Account is one of the most under-rated ways to help rebuild your credit. It has no fees, a wide range of products and reports to all three credit bureaus. There have a track record of limit increases and give you a FREE FICO score.
 
No Annual or Monthly Fees
 
Free FICO score
 
Record of credit line increase
 
Bankruptcy OK
 
Lots of famous brands
 
Only used at fingerhut.com
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Credit One Bank® Platinum Visa®

Annual Fee: $0 to $99 
$0 to $99 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 16.99% to 24.99%*(V) 
16.99% to 24.99%*(V) 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $300 
$300 
Credit Needed: Bad Credit 
Bad Credit 
Our Take: Credit One is one of the few cards with reasonable fees. They also have features like cash back program and free credit scores which their competitors lack.
 
Free Credit Score
 
Cash Back Rewards
 
Chip Technology
 
Record of credit line increase
 
Soft Pull For Pre-approval before actual application
 
Grace Period varies from 0-25 days
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Milestone Mastercard®

Annual Fee: $35 to $99 
$35 to $99 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 23.9%*(V) 
23.9%*(V) 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $300 
$300 
Credit Needed: Poor/Average 
Poor/Average 
Our Take: This is a good card for those who have poor credit and want to rebuild. The annual fee is very reasonable and there is no application or monthly fee. Those with bankruptcy can also apply.
 
Reasonable Fees and Rates
 
No Application Fee
 
No Monthly Fee
 
Bankruptcy OK
 
Soft Pull for Pre-approval before acutal application
 
No record of credit line increase
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Indigo® Platinum Mastercard® Credit Card

Annual Fee: $0 to $99 
$0 to $99 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 23.9%*(V) 
23.9%*(V) 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $300 
$300 
Credit Needed: Poor/Average 
Poor/Average 
Our Take: If you have bad credit scores, then this is an unsecured credit card to consider. The annual fee is reasonable and there is no application or monthly fee. They even approve folks who have just emerged from bankruptcy. You go through a pre-approval process first which results only in a soft pull.
 
Reasonable Fees and Rates
 
No Application Fee
 
No Monthly Fee
 
Bankruptcy OK
 
Soft Pull For Preapproval before actual application
 
No record of credit line increase
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Nascar® Credit Card from Credit One Bank®

Annual Fee: $0 to $99 
$0 to $99 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 17.15% to 24.65%*(V) 
17.15% to 24.65%*(V) 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $300 
$300 
Credit Needed: Bad/Fair/Good 
Bad/Fair/Good 
Our Take: This card is not only for Nascar fans, but also for people with bad credit who want to rebuild. The annual fee you get will depend on your credit. If it is good enough, you might be approved for the no annual fee version. You also get a reward program and a free credit score as well.
 
Reasonable Annual Fee
 
No Application Fee
 
No Monthly Fee
 
Cash Back Program
 
Free Credit Score
 
Track record of credit line increase
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OpenSky® Secured Visa® Credit Card

Annual Fee: $35 
$35 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 18.39%*V 
18.39%*V 
Card Type: Secured 
Secured 
Deposit: Deposit Required 
Deposit Required 
Credit Limit: $200 to $3,000 
$200 to $3,000 
Credit Needed: No Credit 
No Credit 
Our Take : One of the rare cards that does not do any credit checks. That means you are guaranteed to be approved. It has a reasonable annual fee and rates. Great for those with either no credit or poor credit and does not want another hard pull on their report.
 
No Credit Check
 
Bankruptcy OK
 
No checking account needed
 
Reasonable fees and rates
 
Deposit does not earn interest
 
Does not graduate to unsecured
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First Progress Platinum Elite MasterCard®

Annual Fee: $29 
$29 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 19.99% 
19.99% 
Card Type: Secured 
Secured 
Deposit: Deposit Required 
Deposit Required 
Credit Limit: $200 to $2,000 
$200 to $2,000 
Credit Needed: No Credit 
No Credit 
Our Take: For those of you with a very bad credit score, getting a secured credit card makes sense. This is one of the few we would recommend.
 
Reasonable Annual Fee
 
Reasonable APR
 
Bad Credit OK
 
Bankruptcy OK
 
Does not graduate to unsecured credit card
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Horizon Gold Credit Card

Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $24.95 
$24.95 
APR: 0% 
0% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $500 
$500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: The Horizon Gold Card can help you in rebuilding your credit by offering you a decent credit line. The APR is 0% (ie you are not charged any interest on their products) and there is no credit checks. Hence, approval is guaranteed.
 
No credit checks - Guaranteed Approval
 
No Annual Fee
 
No Application Fee
 
0% APR
 
Report to 1 credit bureau
 
Not Visa or MasterCard
 
Monthly Fee
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Freedom Gold Card

Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $24.95 
$24.95 
APR: 0% 
0% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $500 
$500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: The Freedom Gold Card can be very useful as a tool to increase your credit line. Approval is guaranteed because there is no credit check. You are also not charged any interest though you have to pay a monthly fee.
 
No credit check - Guaranteed Approval
 
No Annual Fee
 
No Application Fee
 
0% APR
 
Reports to 1 bureau
 
Not Visa or MasterCard
 
Monthly fee
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Net First Platinum

Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $24.95/month 
$24.95/month 
APR: 0% 
0% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $500 
$500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: Net First Platinum is issued by Horizon Card Services and is a catalog card that allows you to shop at their online store (thehorizonoutlet.com). They do not do any credit checks and hence you are almost guaranteed approval. They report to 2 bureaus.
 
No credit checks - Guaranteed Approval
 
No Annual Fee
 
No Application Fee
 
0% APR
 
Reports to TU and EQ
 
Decent credit line
 
Not Visa or MasterCard
 
Monthly Fee
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Next Millennium Card

Annual Fee: $0 
$0 
Application Fee: $29.95 
$29.95 
Monthly Fee: $19.95 
$19.95 
APR: 0% 
0% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $1,000 
$1,000 
Credit Needed: Poor Credit 
Poor Credit 
Our TakeThe Next Millennium is a card to consider if you need to increase your credit line. They do not perform any credit checks so you are guaranteed approval. There is also no interest charges as well though you have to pay a month membership fee.
 
No credit check - Guaranteed Approval
 
0% APR
 
$1,000 credit limit
 
No Annual Fee
 
Upfront fee
 
Monthly fee
 
Not Visa or MasterCard
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Unique Platinum

Annual Fee: $0 
$0 
Application Fee: $0 
$0 
Monthly Fee: $24.95 
$24.95 
APR: 0% 
0% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $1,000 
$1,000 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: Those looking to rebuild their credit can consider the Unique Platinum if you are looking to increase your total credit lines. The advantage of a card like this is that there is no credit checks and hence you are almost guaranteed an approval. You are also not charged an interest for paying over time though there is a monthly membership fee.
 
No credit checks - guaranteed approval
 
No annual fee
 
No Application Fee
 
No APR
 
Good credit limit
 
Membership Fee
 
Can only be used at their online store
 
Reports to only one bureau
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Vast Platinum

Annual Fee: $0 
$0 
Application Fee: $29.95 
$29.95 
Monthly Fee: $19.95 
$19.95 
APR: 0% 
0% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $1,000 
$1,000 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: The Vast Platinum is a catalog and can be helpful to rebuilders who want additional credit lines on their report. There is no credit checks so approval is guaranteed. There is also no annual fee and the APR is 0% though you have to pay a monthly fee.
 
No credit check - guaranteed approval
 
No annual fee
 
No APR
 
Monthly membership fee
 
Application Fee
 
Not Visa or MasterCard
 
Reports to only one bureau
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Blaze MasterCard

Annual Fee: $19, $50 or $75 
$19, $50 or $75 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 22.15% or 29.9% 
22.15% or 29.9% 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $300 to $1,500 
$300 to $1,500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: The Blaze MasterCard is one of the better credit cards for poor credit available. However, not everyone can apply. Only those who have received a mail invitation can do so.
 
Reasonable Annual Fee
 
No application fee
 
No monthly fee
 
Have to pay in full if balance is $30 or less
 
Can only apply if invited by mail
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Fit MasterCard®

Annual Fee: $125 (Y1)-->$95 
$125 (Y1)-->$95 
Application Fee: $0 
$0 
Monthly Fee: $0 (Y1)-->$10 
$0 (Y1)-->$10 
APR: 30.49%*(V) 
30.49%*(V) 
Card Type: Secured/Unsecured 
Secured/Unsecured 
Deposit: May Be Required 
May Be Required 
Credit Limit: $500 
$500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: We do not recommend this card because the annual fee and monthly fees make this a very cost card to hold. The APR is also very high. Furthermore, you might be asked to put up a deposit of either $50, $150 or $500.
 
Reports to 3 bureaus
 
High annual fee
 
Monthly fee
 
High APR
 
May require deposit
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Reflex MasterCard

Annual Fee: $125 (Y1)-->$95 
$125 (Y1)-->$95 
Application Fee: $0 
$0 
Monthly Fee: $0 (Y1)-->$10 
$0 (Y1)-->$10 
APR: 30.49%*(V) 
30.49%*(V) 
Card Type: Secured/Unsecured 
Secured/Unsecured 
Deposit: May Be Required 
May Be Required 
Credit Limit: $500 
$500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: The Reflex MasterCard has one of the highest fees and APR among "bad credit cards". You may also be offered a "secured version" in which you need to put up a deposit in addition to all the fees. We suggest you consider lower fee alternatives.
 
Reports to 3 bureaus
 
High Annual Fee
 
Monthly Fee
 
High APR
 
May require deposit
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Surge MasterCard

Annual Fee: $125 (Y1)-->$95 
$125 (Y1)-->$95 
Application Fee: $0 
$0 
Monthly Fee: $0 (Y1)-->$10 
$0 (Y1)-->$10 
APR: 30.24%*(V) 
30.24%*(V) 
Card Type: Secured/Unsecured 
Secured/Unsecured 
Deposit: May Be Required 
May Be Required 
Credit Limit: $500 
$500 
Credit Needed: Poor Credit 
Poor Credit 
Our Take: The Surge MasterCard has high fees and APR. Furthermore, you may have to put up a deposit and still pay those fees. We suggest you consider other "lower fee" cards.
 
High annual fee
 
High APR
 
Requires monthly maintenance fee from 2nd year
 
May require deposit - which makes it a secured card
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Verve Credit Card

Annual Fee: $125 (Y1)-->$95 
$125 (Y1)-->$95 
Application Fee: $0 
$0 
Monthly Fee: $0 (Y1)-->$10 
$0 (Y1)-->$10 
APR: 29.9%* (V) 
29.9%* (V) 
Card Type: Secured/Unsecured 
Secured/Unsecured 
Deposit: May Be Required 
May Be Required 
Credit Limit: $500 
$500 
Credit Needed: Bad Credit 
Bad Credit 
Our Take: The Verve Credit Card has very high fees (when you combine the annual fee and the monthly fee) and APR. You may also be asked to put up a deposit. We do not recommend this card and suggest you consider other cards with lower fees and rates.
 
High annual fee
 
Monthly Maintenance Fee
 
High APR
 
May require deposit
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Total Visa® Unsecured Credit Card

Annual Fee: $75 (Y1)-->$48 
$75 (Y1)-->$48 
Application Fee: $89 
$89 
Monthly Fee: $0 (Y1)-->$6.25 
$0 (Y1)-->$6.25 
APR: 29.99%*(V) 
29.99%*(V) 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit: $300 
$300 
Credit Needed: Bad Credit 
Bad Credit 
Our Take: We do not recommend the Total Visa because of the fees you have to pay. In addition to an annual fee, you have to pay an application fee and monthly fees. Lower cost alternatives are available.
 
High Annual Fee
 
Application Fee
 
Monthly Maintenance Fee
 
Potential Payment Hold
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Lendup L Card Preferred

Annual Fee: $0 to $60 
$0 to $60 
Application Fee: $0 
$0 
Monthly Fee: $0 
$0 
APR: 20.99% to 30.99%*V 
20.99% to 30.99%*V 
Card Type: Unsecured 
Unsecured 
Deposit: No Deposit Required 
No Deposit Required 
Credit Limit:  
 
Credit Needed: Bad Credit 
Bad Credit 
Our Take: The Lendup L Card is one of the better credit cards for people with bad credit. The annual fee is very reasonable and there is no application or monthly fee. However, you can only apply if you have an invitation code.
 
Reasonable Annual Fee
 
No Application Fee
 
No Monthly Fee
 
High APR
 
Not everyone can apply (ie by invitation only)
RESET

Top Rated Credit Cards For Bad Credit

Below are cards you could consider to help rebuild your credit. While there are lots of cards and "credit account" available, the cards and issuers we have highlighted have the least fees and generally more reasonable rates.

  1. Opensky® Secured Visa® Card
  2. Credit One Bank® Platinum Visa®
  3. Fingerhut Credit Account
  4. NASCAR® Credit Card from Credit One Bank®
  5. Indigo® Platinum MasterCard®
  6. Milestone®


Card Annual Fee Rate Why We Like This Card?

Review
$35 17.89%
  • Reasonable Rate and Fees
  • No Credit Checks
  • Those with really damaged credit should consider this card

Review
$0 to $99 16.99% to 24.99% We like this card because the annual fees and rates are reasonable. It is an unsecured credit card with no application or monthly maintenance fees. Furthermore, there is a reward program and this card has a record of giving card members credit line increases.To increase your odds of getting approved, you should have a checking account, bad credit is ok but best to at least have a 550 credit score and have been out of bankruptcy for at least one year. It is also one of the few cards that has a mobile app.

Review
cardholders reviews
$0 24.9%
  • Free FICO 8 Score from Equifax updated monthly
  • Record of giving credit line increases
  • No Annual Fee
  • No Membership Fee
  • Reports to 3 Bureaus
  • Has mobile app
  • Sign Up Bonus - Free pair of water-resistance bluetooth speakers (worth $69.99) when you spend $100 or more on your first order. Promo Code: ROCKON
  • Those with really poor credit (like 400 score) have been known to be approved

Review
$0 to $99 17.40% to 24.90% We like this unsecured credit card because the fees and rates are reasonable and there are no application or monthly maintenance fees. You can also earn rewards as a NASCAR fan. Folks with bad, fair and good credit can apply

Review
Cardholders Reviews
$35 to $99 23.9%
  • Reasonable Rate and Fees
  • No Application or monthly maintenance fees
  • See if you are pre-approved first with no hard pull
  • Bankruptcy OK
  • Unsecured credit card that is suitable for those with bad credit

Review
Cardholders Reviews
$35 to $99 23.9%
  • Reasonable Rate and Fees
  • No Application or monthly maintenance fees
  • Bankruptcy OK
  • Suitable for those with poor scores


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