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Credit Cards for People with Bad Credit

You can get secured and unsecured credit even with bad credit. Our bad credit visa/mastercards are listed below. Please read the following offers and apply. You want to make sure your credit cards report to all 3 credit bureaus, which these cards do. Some other things to look for, are low interest rates. (From our Partners)

First Premier Lending
Apply Here	Flexible Payments Get Your Funds Fast All Credit Types Safe & Secure Apply Here
Regular APR: Annual Fee: Credit Needed: Any Credit Welcome

OpenSky® Secured Visa® Credit Card
Apply Here	New feature! Earn up to 10% cash back* on everyday purchases No credit check to apply. Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Get free monthly access to your FICO score in our mobile application Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Fund your card with a low $200 refundable security deposit to get a $200 credit line Apply in less than 5 minutes with our mobile first application Choose the due date that fits your schedule with flexible payment dates Fund your security deposit over 60 days with the option to make partial payments Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information Apply Here
Regular APR: 24.89% (variable) Annual Fee: $35 Credit Needed: No credit, Poor, Fair Credit Line: $200-$3000 at time of application Late Payment Fee: Up to $41

First Progress Platinum Select Mastercard® Secured Credit Card
Apply Here	Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Apply Here
Regular APR: 18.49% (V) Annual Fee: $39 Credit Needed: Poor/Limited/No Credit Credit Line: $2,000

Next Payday Advance

Apply Here
Secure Application Site

Is Next Payday Too Far Away?

Apply now and get matched with a payday advance to suit your needs today.

Quick online approval
Cover unexpected expenses
Increase cash flow before payday
Funds wired directly to your bank account

Avoid falling behind with Next Payday Advance!

Apply Here

Regular APR:
Annual Fee:
Credit Needed: Any Credit Welcome

First Progress Platinum Prestige Mastercard® Secured Credit Card
Apply Here	Earn 1% Cash Back Rewards with First Progress Prestige! Apply now and fund your security deposit over 90 days with the option to make partial payments. You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹ Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ All credit types welcome to apply! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Apply Here
Regular APR: 14.49% (V) Annual Fee: $49 Credit Needed: Poor/Limited/No Credit Credit Line: $2,000

Indigo® Mastercard® for Less than Perfect Credit
Apply Here	Now with higher credit limits Increase your access to available credit Higher limit than before, still no security deposit required! Greater access to credit than before Less than perfect credit is okay Mobile account access at any time Account history is reported to the three major credit bureaus in the U.S. Apply Here
Intro (Purchases): N/A Intro (Balance Transfers): N/A Regular APR: 35.9% Annual Fee: $175 - $199 Credit Needed: Bad/Poor/Fair

Total Visa® Card
Apply Here	Earn 1% cash back rewards on payments made to your Total Credit Card Checking Account Required $300 credit limit (subject to available credit) No security deposit, simply pay a one-time $95 program fee to open your account.* User friendly Mobile App. *See Rates, Fees, Costs & Limitations for complete offer details See Total Card Visa Rewards Programs Terms & Conditions for details Apply Here
Regular APR: 35.99%* Annual Fee: See Terms* Credit Needed: Fair/Bad Credit

Reflex® Platinum Mastercard®
Apply Here	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines) Apply Here
Regular APR: 35.90% Fixed Annual Fee: $75 - $125 Credit Needed: Fair/Poor/Bad/Limited Late Payment Fee: Up to $41.00 Rates & Fees

FIT™ Platinum Mastercard®
Apply Here	$400 Initial Credit Limit Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines) Apply Here
Regular APR: 35.90% Fixed Annual Fee: See terms Credit Needed: Fair/Poor/Bad Late Payment Fee: Up to $41.00

Best Credit Cards
Apply Here	Compare our current best credit card offers to find the one that best suits your needs See the best credit cards by category including cash back, travel, business and student Earn 1.5% cash back on all purchases or 2X points on travel and dining expenses Best card selections updated often – click to see the latest rankings Terms may vary by partner offer. Please see each bank's application for terms and conditions Clicking will take you to CreditSoup.com to compare Best Credit Cards from participating partners Apply Here
Intro (Purchases): See website for Details* Intro (Balance Transfers): See website for Details* Regular APR: See website for Details* Annual Fee: See website for Details* Credit Needed: Average/Fair/Limited/Poor/Good/Excellent

First Digital Mastercard®
Apply Here	Earn 1% cash back rewards on payments made to your First Digital Credit Card Checking Account Required $300 credit limit (subject to available credit) Build up your credit history with a card that reports to all three major credit bureaus every month. Perfect credit not required for approval; we may approve you when others won’t. *See Rates, Fees, Costs & Limitations for complete offer details See Cash Back Rewards Programs Terms & Conditions for details Apply Here
Regular APR: 35.99%* Annual Fee: $75.00 1st year, $48.00 after* Credit Needed: Poor/Damaged/Fair

Applied Bank® Unsecured Classic Visa® Card
Apply Here	Get Pre-Qualified in Less Than a Minute A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online! A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus No Penalty Rate. Your Rate Won't Go Up Even If You are Late Access Additional Credit With On-Time Payments and Responsible Usage A True Unsecured EMV enabled (chip) Visa Credit card Does not require perfect credit for approval Fixed APR and Manageable Monthly Payments Apply Here
Regular APR: 29.99% Annual Fee: See website for Details* Credit Needed: Poor/Damaged Credit Late Payment Fee: Up to $38

Destiny Mastercard®
Apply Here	All the benefits of a Mastercard, without a security deposit 24/7 access to your account, even on mobile! Reports to all three major credit bureaus Less than perfect credit is okay, even with a prior bankruptcy! Apply Here
Regular APR: See terms Annual Fee: See terms Credit Needed: Poor to Good

OpenSky® Plus Secured Visa® Credit Card
Apply Here	New feature! Earn up to 10% cash back* on everyday purchases No annual fee No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Secure your credit line with a refundable security deposit - as low as $300. Easy application, apply in less than 5 minutes right from your mobile device Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule Now you can make smaller partial payments towards funding your security deposit over 60 days Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information Apply Here
Regular APR: 29.24% (variable) Annual Fee: $0 Credit Needed: No credit, Poor, Fair Credit Line: $300-$3000 at time of application Late Payment Fee: Up to $41

Imagine® Visa® Credit Card
Apply Here	Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments Earn 1% Cash Back Rewards* on all other eligible purchases Up to $1,000 credit limit subject to credit approval $0 fraud liability** Free Credit Score† The Imagine Card is issued by WebBank See Program Terms for important information about the cash back rewards program. *Zero liability subject to Visa’s Zero Liability Policy. † Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions. Apply Here
Regular APR: 29.99% or 36% Fixed Annual Fee: As low as $99 Credit Needed: Fair/Poor Credit Line: Up to $1,000 credit limit subject to credit approval

OpenSky Launch Secured Visa® Credit Card
Apply Here	Excellent option for a low fully refundable security deposit, get started with just $100 Earn up to 10% cash back on everyday purchases Minimum payment as low as $10 Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Easy application, apply in less than 5 minutes right from your mobile device Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule Now you can make smaller partial payments towards funding your security deposit over 60 days Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit Apply Here
Regular APR: 29.24% (variable) Annual Fee: $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in Credit Needed: No credit, Poor, Fair Credit Line: $100- $1,000 Late Payment Fee: Up to $41

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All of the card offers that appear on this site are from companies from which Creditimes.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Creditimes.com does not include all card companies or all card offers available in the marketplace.

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