Reports to major credit bureaus; initial credit limit of $400; fast application process with results in seconds
See Terms*
N/A
See Terms*
Does Not Require Perfect Credit
*See Terms
N/A
*See Terms
All credit types welcome to apply!
See Terms*
N/A
See Terms*
Reports to all three credit bureaus, perfect credit not required for approval
*See Terms
*See Terms
*See Terms
Less than perfect credit is okay, no security deposit required
24.9%
N/A
$59-$99
Less than perfect credit is okay; account history reported to the 3 major credit bureaus
*Dependent on credit worthiness
24.90%
N/A
$35-$99*
Reports to major credit bureaus; fast application process with response in seconds; checking account required
See Terms
N/A
See Terms
Monthly reporting to the three major credit bureaus
See Terms*
N/A
See Terms*
Instant $500 Credit Line*
*See Terms & Conditions for Details
N/A
None
N/A
Perfect credit not required; Reports to major credit bureaus
See Terms
N/A
See Terms
Reports to major credit bureaus; less than perfect credit is okay
24.90%
N/A
$0 - $99
Unsecured credit line increases
17.45% Variable
N/A
$36 for first year. Billed $3 per month thereafter
Low 9.99% fixed APR; no credit check or minimum credit score needed; reports to all 3 national credit bureaus
9.99% (Fixed)
N/A
$48
Rebuild your credit, quick application
17.39% (variable)
N/A
$35
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.
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.
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.
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.
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.
