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.

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.

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.

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:

Add your positive utility payment history to instantly increase your FICO® Score
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
  • Regular APR
    *See Terms
  • Intro APR
    *See Terms
  • Annual Fee
    *See Terms
  • cdm-card

    Bad Credit300 - 639

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)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit300 - 639

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
  • Regular APR
    See Terms
  • Intro APR
    N/A
  • Annual Fee
    See Terms
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No annual fee; reports to major credit bureaus; access to higher credit line after making first 5 monthly payments on time
  • 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
  • Regular APR
    26.49% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No Annual Fee*, No Application Fee*
  • Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
  • A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
  • There’s no annual fee and no application fee.
  • *See the complete WebBank/Fingerhut Credit Account Terms and Conditions.
  • Regular APR
    See Issuers Website
  • Intro APR
    N/A
  • Annual Fee
    See Issuers Website
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Monthly reporting to the three major credit bureaus
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Fair Credit 640 - 699

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
  • Regular APR
    24.90%
  • Intro APR
    N/A
  • Annual Fee
    $35-$99*
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Instant $500 Credit Line*
  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK

*See Terms & Conditions for Details

  • Regular APR
    N/A
  • Intro APR
    None
  • Annual Fee
    N/A
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: All credit types welcome to apply!
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Perfect credit not required; Reports to major credit bureaus
  • 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
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit300 - 639

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
  • Regular APR
    24.90%
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Good credit or bank account not required; initial security deposit can be as low as $200
  • Good credit or bank account not required
  • Your application will not impact your credit score
  • Initial security deposit can be as low as $200
  • Regular APR
    19.99% (F)
  • Intro APR
    N/A
  • Annual Fee
    $39
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Find out if you Pre-Qualify without harming your credit score; eligible purchases earn 1% cash back
  • 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
  • Regular APR
    19.99%-25.99% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Bad Credit300 - 639

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
  • Regular APR
    9.99% (Fixed)
  • Intro APR
    N/A
  • Annual Fee
    $48
  • cdm-card

    Bad Credit300 - 639

Best Card Features: See if you pre-qualify without harming your credit score; 1% cash back on eligible purchases; 2% at the NASCAR Shop
  • 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 Shop, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
  • Regular APR
    19.99%-25.99% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Builds credit by reporting to all 3 major credit bureaus; low fixed 9.99% interest rate; no penalty rate
  • 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
  • Regular APR
    9.99%
  • Intro APR
    N/A
  • Annual Fee
    $49
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Find out if you Pre-Qualify without harming your credit score; eligible purchases earn 1% cash back
  • 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.
  • Regular APR
    19.99%-25.99% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Find out if you Pre-Qualify without harming your credit score; eligible purchases earn 1% cash back
  • 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
  • Regular APR
    19.99%-25.99% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Bad Credit300 - 639

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.
  • Regular APR
    19.14% (variable)
  • Intro APR
    N/A
  • Annual Fee
    $35
  • cdm-card

    Bad Credit300 - 639

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