Credit Cards for Bad Credit

Simply getting a credit card will not help you build or re-establish your credit history. Making on-time minimum payments with all of your creditors and keeping account balances low relative to the credit limit are key to receiving positive marks on your credit history. Prepaid debit cards, unlike credit cards, do not provide a line of credit and do not influence your credit history. Choose from secured and unsecured credit cards, and prepaid card offers below - some of them are fee-based.

See offers from our partners below.

Capital One® Secured MasterCard®

APPLY ONLINE

at Capital One's
secure site

Credit Needed
Bad Credit

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
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone, or using our mobile app
It's a credit card accepted at millions of locations worldwide
See additional Capital One® Secured MasterCard® details

APPLY NOW

at Capital One's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

24.99% (Variable)

Annual Fee

$0

Credit Needed

Bad Credit

See Rates & Fees

Credit One Bank® Cash Back Rewards

2,446 customer reviews

APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit

See if you Pre-Qualify without harming your credit score.
This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.

All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking
And, you could receive credit line increase opportunities.
See additional Credit One Bank® Cash Back Rewards details

APPLY NOW

at Credit One Bank's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

15.65% - 24.15% Variable

Annual Fee

$0 - $99

Credit Needed

Bad Credit

See Rates & Fees

First PREMIER® Bank MasterCard® Credit Card

APPLY ONLINE

at First PREMIER Bank's
secure site

Credit Needed
Fair/Bad Credit

Checking Account Required
Easy 3-step application with a 30 second response

Easy Online Application!
All credit types welcome to apply!
If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
Know the score! Quarterly FICO score on your monthly billing statements
Top 20 Issuer of MasterCard Credit Cards
See additional First PREMIER® Bank MasterCard® Credit Card details

APPLY NOW

at First PREMIER Bank's
secure site

Credit Needed
Fair/Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

See Issuer Website

Annual Fee

See Issuer Website

Credit Needed

Fair/Bad Credit

See Rates & Fees

USAA Secured Card® Platinum Visa®

APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.

When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
See additional USAA Secured Card® Platinum Visa® details

APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

10.15%-20.15% (Variable)

Annual Fee

$35

Credit Needed

Bad Credit

See Rates & Fees

Credit One Bank® Unsecured Visa® Credit Card

Credit One Unsecured Visa Card Application

2,446 customer reviews

APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit

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.

This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
Flexible payment date to assist you in making your payments on time.
See additional Credit One Bank® Unsecured Visa® Credit Card details

APPLY NOW

at Credit One Bank's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

15.65% - 24.15% Variable

Annual Fee

$0 - $99

Credit Needed

Bad Credit

See Rates & Fees

Fingerhut Credit Account

APPLY ONLINE

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit

Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
Take advantage of low monthly payments¹ with a WebBank/Fingerhut Credit Account

Fast, easy online application process and a quick decision
Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC377
¹If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
See additional Fingerhut Credit Account details

APPLY NOW

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

See Issuer Website

Annual Fee

$0

Credit Needed

Fair/Bad Credit

See Rates & Fees

USAA Secured Card® American Express® Card

APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.

When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
See additional USAA Secured Card® American Express® Card details

APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

10.15%-20.15% (Variable)

Annual Fee

$35

Credit Needed

Bad Credit

See Rates & Fees

Total VISA® Unsecured Credit Card

APPLY ONLINE

at Mid America Bank & Trust's
secure site

Credit Needed
Bad/Fair

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
Manageable monthly payments
If approved, simply pay a Processing Fee to open your account and access your available credit
Reports monthly to all three major credit bureaus
This program is not currently available in New York or Wisconsin
See additional Total VISA® Unsecured Credit Card details

APPLY NOW

at Mid America Bank & Trust's
secure site

Credit Needed
Bad/Fair

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

See Terms*

Annual Fee

See Terms*

Credit Needed

Bad/Fair

See Rates & Fees

Credit One Bank® Platinum Visa® Credit Card

Credit One Bank Platinum Visa Application

2,446 customer reviews

APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit

This is a fully unsecured credit card with no deposit requirement.
Automatic reviews for credit line increase opportunities

See if you Pre-Qualify without harming your credit score
Earn 1% cash back on gas and grocery purchases, terms apply
Flexible payment date to assist you in making your payments on time
Free online monthly credit score tracking included
See additional Credit One Bank® Platinum Visa® Credit Card details

APPLY NOW

at Credit One Bank's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

15.65% - 24.15% Variable

Annual Fee

$0 - $99

Credit Needed

Bad Credit

See Rates & Fees

Credit One Bank® NASCAR® Credit Card

APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit

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