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Debit & Credit Cards for Bad Credit

These credit cards and debit cards are specifically for people that have bad credit or poor credit. These credit cards and debit 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 or debit 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 and debit 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. 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. FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card.
If you don't have bad credit, 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. Just because you have bad credit 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. 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. FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card.
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:
 

Fit Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Fit Mastercard® Credit Card

Best Card Features:

Reports to major credit bureaus; initial credit limit of $400; fast application process with results in seconds

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00!* (subject to available credit)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Bad Credit

cdm-card

Recommended For: Bad Credit

Applied Bank® Unsecured Classic Visa® Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Applied Bank® Unsecured Classic Visa® Card

Best Card Features:

Does Not Require Perfect Credit

  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage

See More »

REGULAR APR

*See Terms

INTRO APR

N/A

ANNUAL FEE

*See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Reflex Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Reflex Mastercard® Credit Card

Best Card Features:

All credit types welcome to apply!

  • 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)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Fair Credit

cdm-card

Recommended For: Fair Credit

First Digital NextGen Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Digital NextGen Mastercard® Credit Card

Best Card Features:

Reports to all three credit bureaus, perfect credit not required for approval

  • Build up your credit with a card that reports to all three major credit bureaus every month.
  • You may be eligible for a Credit Line Increase after six months
  • Perfect credit not required for approval; we may approve you when others won’t

See More »

REGULAR APR

*See Terms

INTRO APR

*See Terms

ANNUAL FEE

*See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Destiny Mastercard®

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Destiny Mastercard®

Best Card Features:

Less than perfect credit is okay, no security deposit required

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!

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REGULAR APR

24.9%

INTRO APR

N/A

ANNUAL FEE

$59-$99

Fair Credit

cdm-card

Recommended For: Fair Credit

Milestone® Mastercard® – Less Than Perfect Credit Considered

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Milestone® Mastercard® – Less Than Perfect Credit Considered

Best Card Features:

Less than perfect credit is okay; account history reported to the 3 major credit bureaus

  • 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

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REGULAR APR

24.90%

INTRO APR

N/A

ANNUAL FEE

$35-$99*

Bad Credit

cdm-card

Recommended For: Bad Credit

Total Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Total Visa® Credit Card

Best Card Features:

Reports to major credit bureaus; fast application process with response in seconds; checking account required

  • 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

See More »

REGULAR APR

See Terms

INTRO APR

N/A

ANNUAL FEE

See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Surge Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Surge Mastercard® Credit Card

Best Card Features:

Monthly reporting to the three major credit bureaus

  • 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)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Fair Credit

cdm-card

Recommended For: Fair Credit

Horizon Gold

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Horizon Gold

Best Card Features:

Instant $500 Credit Line*

  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application

See More »

REGULAR APR

N/A

INTRO APR

None

ANNUAL FEE

N/A

Fair Credit

cdm-card

Recommended For: Fair Credit

First Access Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Access Visa® Credit Card

Best Card Features:

Perfect credit not required; Reports to major credit bureaus

  • Get the security and convenience of a full-featured, 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

See More »

REGULAR APR

See Terms

INTRO APR

N/A

ANNUAL FEE

See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Indigo® Mastercard® for Less than Perfect Credit

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Indigo® Mastercard® for Less than Perfect Credit

Best Card Features:

Reports to major credit bureaus; less than perfect credit is okay

  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time

See More »

REGULAR APR

24.90%

INTRO APR

N/A

ANNUAL FEE

$0 - $99

Bad Credit

cdm-card

Recommended For: Bad Credit

Merrick Bank Secured Visa® from Merrick Bank

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Merrick Bank Secured Visa® from Merrick Bank

Best Card Features:

Unsecured credit line increases

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!

See More »

REGULAR APR

17.45% Variable

INTRO APR

N/A

ANNUAL FEE

$36 for first year. Billed $3 per month thereafter

Bad Credit

cdm-card

Recommended For: Bad Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Best Card Features:

Low 9.99% fixed APR; no credit check or minimum credit score needed; reports to all 3 national credit bureaus

  • 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

See More »

REGULAR APR

9.99% (Fixed)

INTRO APR

N/A

ANNUAL FEE

$48

Bad Credit

cdm-card

Recommended For: Bad Credit

OpenSky® Secured Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

OpenSky® Secured Visa® Credit Card

Best Card Features:

Rebuild your credit, quick application

  • 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.

See More »

REGULAR APR

17.39% (variable)

INTRO APR

N/A

ANNUAL FEE

$35

Bad Credit

cdm-card

Recommended For: Bad Credit

More Information About Credit Cards for Bad Credit

Credit cards for bad credit are designed specifically for those with a bad credit profile.  While there is not a specific credit score that defines bad credit and it varies from bank to bank, in general, bad credit is generally considered anyone with a FICO score from 300 to 580.

If you have bad credit, it’s important that you select a credit card offer that is specifically designed for you.  Applying for a card designed for good or excellent credit will almost always result in you being declined and having a hard inquiry on your credit report, which will only further lower your credit score.

Selecting a card designed for bad credit will maximize the chances of you being approved.  While cards designed for bad credit won’t have as many benefits and perks as those designed for individuals with higher credit scores, they will help you get a credit card and with responsible use you will be able to slowly build your credit profile and score.

How Should I Use My New Credit Card?

If you have bad credit, it’s important that you use your new credit card properly.  Never approach your credit limit, make sure you pay your card on time each month, and choose a credit card that reports to the three major credit bureaus.  If you utilize your card each month responsibly and pay on time, over time the bank reporting to the credit bureaus your responsible usage will help build your credit profile and increase your credit score.

Why Do These Cards Have Higher Rates / Fewer Benefits?

Banks are taking on a higher risk by offering credit cards to those with bad credit.  As such, these cards will generally have far fewer benefits than those designed for individuals with good or excellent credit, and they will also have higher fees to offset that added risk.

 

Frequent Contributor to:

LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.