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Credit Cards for Bad Credit

These credit cards are specifically for people that have bad credit or poor credit. These credit cards won't contain low interest rates, rewards programs, or other premium benefits that come with other cards, but are designed for consumers with bad credit or poor credit. These cards are accepted anywhere a normal credit card is accepted, and some 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, some 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 don't have rewards programs, early spend bonuses or special introductory offers on the interest rates. In addition, there will sometimes be a one-time setup or funding fee for a card. 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 credit 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 number of cards listed below that are specifically designed for your financial situation; some even report to the credit bureaus. If you use your card responsibly---making on-time payments and keeping your balance low relative to your credit limits---you may start to 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 your deposit. 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. Only you can build or rebuild your credit. For positive marks on your credit report, select a credit card that reports to the major bureaus; make your payments on time each month; and keep your balance low relative to the credit limit.

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:
  •  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
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:
  • 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:
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% 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
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:
  • 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:
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% 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 harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% 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:
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.24% - 25.24% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • 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:
  • 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.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    18.39% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $35
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Limited Time Offer: New cardmembers get a $25 rebate* – To be eligible, applications must be submitted between now through 12/31/16 and accounts must be in good standing for 90 days after opening.
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
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
Best Card Features:
  • Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit – performance is reported to all three major credit bureaus, unlike a prepaid card.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    18.95% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $36
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit