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Bad Credit

These credit cards are specifically for people that have bad credit or poor credit. While these credit cards won't contain low interest rates, rewards programs, or other premium benefits that come with other cards, they will help those with bad credit and poor credit get a credit card. These cards are accepted anywhere a normal credit card is accepted and many of these cards now feature low or no fees.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

The main pros of these credit cards is that they are specifically designed for individuals with bad credit. That means the card features, benefits, and structure are put in place to help those who have low credit scores, typically between 350 and 640. These cards are much safer to use than cash and will allow you to keep better track of your purchases. They can be used anywhere credit cards are accepted. Lastly, many of these cards now have no monthly fees associated with them.

There are cons to cards for those with bad credit. First of all, these cards won't have all the bells and whistles of those with annual fees and those designed for people with excellent credit. Secondly many of these cards won't have any sort of rewards program or introductory offer. And lastly, there sometimes will be a one-time setup or funding fee for certain cards. Be sure to read the full terms and conditions of the card you decide on to make sure it's a good fit for your financial situation.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

These cards are specifically designed for those with a FICO score between 350 and 640. If your score is above 640, we highly recommend looking at cards designed for fair, good, or excellent credit as those cards will have more benefits to reward your higher score.

If your score is between 350 and 640, then you are classified by the credit card industry as having bad credit. However this doesn't mean you can't get a credit card. We have over a dozen cards listed below that are specifically designed for your situation and have financial tools to help you use your card responsibly and some cards will even report to the credit bureaus to help you rebuild your credit score.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Prepaid cards are similar to debit cards or gift cards in that you load them with an amount of money and then have that money available to be used on the card. When you run out of money you simply reload the card.

Secured cards are more similar to credit cards, however you are required to provide an initial deposit that the card issuer keeps as long as you have the card then you are issued credit in the amount of the deposit or higher. These cards typically report to the credit bureaus and act more like a traditional credit card.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

If you're unhappy with your credit profile, then rebuilding your credit will be a priority for you. Select a credit card that reports to the major bureaus and make it a habit of using your card each month and paying in full, on time. This will help slowly raise your credit over time.

Additionally, if you have a large amount of debt and bad credit, you may want to speak with a professional about the options available to you to help you climb out of debt and get back on the road to improving your credit score. As your credit score rises, you will open the door to additional credit card opportunities that will come with more features and perks than a card designed specifically for bad credit.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit) All credit types welcome to apply!
  • Fast and easy application process; results in seconds
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    See Terms*
  • Intro Rate :
    N/A
  • Annual Fee:
    See Terms*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Earn 1% cash back on gas and automotive purchases (terms apply) and double cash back on NASCAR.com purchases
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.65% - 23.90% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you’re Pre-Qualified in less than 60 seconds.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.9%
  • Intro Rate :
    N/A
  • Annual Fee:
    $35-$99*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    See Terms
  • Intro Rate :
    N/A
  • Annual Fee:
    See Terms
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Easy pre-qualification process which does not affect your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.9%
  • Intro Rate :
    N/A
  • Annual Fee:
    $35 - $99*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Pre-qualify for a card today and it will not impact your credit score
  • All credit histories considered
  • Mobile account access at any time
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.9%
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.99%
  • Intro Rate :
    N/A
  • Annual Fee:
    $49
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    None
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.64% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $35
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Build your credit with monthly reporting to all 3 major credit bureaus
  • Provides How to Rebuild Credit Program
  • No application fee or penalty rate
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.99%
  • Intro Rate :
    See Terms
  • Annual Fee:
    $39
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit