Cards for Bad Credit

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Card options under this category typically range from secured cards to prepaid cards. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

StellarFi Credit Builder Account

Credit Recommended:
Limited/No, Bad, Fair
Apply Now
StellarFi Credit Builder Account
Apply Now on the issuer’s secure website.
Credit Recommended:
Limited/No, Bad, Fair
Credit Check
No
Cost
Plans start at $4.99/mo.
Number of Bureaus
All three credit bureaus
Apply Now on the issuer’s secure website.
Checking Account Required
Yes
Credit Recommended
Limited/No, Bad, Fair
Product Type
Credit-builder that reports all bill payments as credit directly to all major credit bureaus.

Highlights

  • Automatically build your credit score with StellarFi.
  • Pay your monthly household bills through StellarFi and get your payments reported to the three main credit bureaus.
  • Access to free financial and credit education.
  • Easy bill linking and monitoring/tracking.
  • Promotional pricing for new members.
See additional details for StellarFi Credit Builder Account

Milestone® Mastercard®

Credit Recommended:
Fair/Good
Apply Now
Milestone® Mastercard®
Apply Now on the Milestone Mastercard® secure website.
Credit Recommended:
Fair/Good
Regular APR
See terms
Credit Recommended
Fair/Good
Annual Fee
See terms
Apply Now on the Milestone Mastercard® secure website.
Card Brand
Mastercard
Credit Limit
$700
Cash Advance Fee
See terms

Highlights

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
See additional details for Milestone® Mastercard®

Capital One Quicksilver Secured Cash Rewards Credit Card

Credit Recommended:
Limited, Bad
Apply Now
Capital One Quicksilver Secured Cash Rewards Credit Card
Apply Now on the Capital One® secure website.
Credit Recommended:
Limited, Bad
Rewards Rate 1
1.5% Cash Back on every purchase, every day
Annual Fee
$0
Regular APR
30.74% (Variable)
Apply Now on the Capital One® secure website.
Minimum Deposit
$200
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Highlights

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
Rates & Fees

Group One Platinum Card

Credit Recommended:
Damaged/Fair
Apply Now
Group One Platinum Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Damaged/Fair
Credit Limit
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on the issuer’s secure website.
Credit Recommended
Damaged/Fair

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
See additional details for Group One Platinum Card

Capital One Platinum Secured Credit Card

Credit Recommended:
Limited, Bad
Apply Now
Capital One Platinum Secured Credit Card
Apply Now on the Capital One® secure website.
Credit Recommended:
Limited, Bad
Annual Fee
$0
Minimum Deposit
$49, $99 or $200
Regular APR
30.74% (Variable)
Apply Now on the Capital One® secure website.
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign Trans Fee
None

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
See additional details for Capital One Platinum Secured Credit Card
Rates & Fees

Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Net First Platinum
Apply Now on the issuer’s secure website.
Credit Recommended:
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on the issuer’s secure website.
Credit Recommended
Damaged credit to Fair credit

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
See additional details for Net First Platinum

*See Card for Details

Arro Card

Credit Recommended:
All Credit Types Accepted
Apply Now
Arro Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Accepted
Regular APR
16% Variable
Credit Recommended
All Credit Types Accepted
Card Brand
Mastercard®
Apply Now on the issuer’s secure website.
Monthly Fee
$3/month; $1/month for the 1st year
Late Payment Fee
$10
Return Payment Fee
None

Highlights

  • All credit types accepted.
  • Arro's soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
See additional details for Arro Card

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Plus Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Regular APR
29.99% (variable)
Annual Fee
$0
Credit Line
$300-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended
No credit, Poor, Fair
Late Payment Fee
Up to $40
Cash Advance APR
29.99% (variable)

Highlights

  • Limited Time Offer: $200 minimum refundable security deposit. Click “Apply Now” to see additional terms and conditions.
  • 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? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • 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
  • Offer 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 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
See additional details for OpenSky® Plus Secured Visa® Credit Card

Perpay

Get Started
Perpay
Get Started on the Perpay secure website.
Approval Limit
$1,000 average Spending Limit
Activation Fee
$0
Monthly Fee
$0
Get Started on the Perpay secure website.
Credit Check
No

Highlights

  • Unlock a $1,000 average Spending Limit instantly
  • No interest, fees, or credit check
  • Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more)
  • Pay over time with easy payments from your paycheck
  • Shop and build credit by 36 points on average
See additional details for Perpay

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended:
Poor/Fair/Limited/Damaged
Apply Now
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Fair/Limited/Damaged
Regular APR
9.99% Fixed
Annual Fee
$48
Credit Line
$200 - $1,000
Apply Now on the issuer’s secure website.
Credit Recommended
Poor/Fair/Limited/Damaged
Brand Name
Visa®
Security Deposit
$200 - $1,000

Highlights

  • 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
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
See additional details for Applied Bank® Secured Visa® Gold Preferred® Credit Card

First Access Visa® Card

Credit Recommended:
Fair
Apply Now
First Access Visa® Card
Apply Now On the First Access Visa® Card secure website
Credit Recommended:
Fair
Regular APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Credit Recommended
Fair
Apply Now On the First Access Visa® Card secure website
Cash Advance APR
35.99%*
Late Payment Fee
Up to $41.00*
Return Payment Fee
Up to $41.00*

Highlights

See additional details for First Access Visa® Card

First Latitude Platinum Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
First Latitude Platinum Mastercard® Secured Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Rewards Rate
1% Cash Back on payments
Annual Fee
$25.00 for the first year, after that $35.00 annually*
Regular APR
24.49% (V)
Apply Now on the issuer’s secure website.
Cash Advance APR
29.49% (V)
Credit Line
Minimum refundable deposit of $100.00 up to $2,000.00*
Credit Recommended
Poor/Limited/No Credit

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.
  • *See Important Disclosures for complete offer details
See additional details for First Latitude Platinum Mastercard® Secured Credit Card

OpenSky® Secured Visa® Credit Card

Credit Recommended:
Poor
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
25.64% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended
Poor
Cash Advance APR
25.64% (variable)
Late Payment Fee
Up to $40

Highlights

  • Limited Time Offer: $51 funding voucher applied for all new accounts. Get a $200 credit line for $149. Click “Apply Now” to see additional terms and conditions.
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
See additional details for OpenSky® Secured Visa® Credit Card
Advertiser Disclosure

More about Bad Credit...

Damaged credit sometimes happens to good people. Perhaps you lost a job that seemed perfectly secure. Maybe you had astronomical medical expenses only partially covered by insurance or not covered at all. There are many understandable reasons why responsible people might lose their good credit ratings.

Credit companies recognize this and offer ways for you to restore your credit. One of the ways to do this is with a secured credit card. With a secured card, you deposit a certain amount of money; for example if you deposit $500, you could be issued a card with a $500 credit limit. If you keep within your limits and pay all charges on time, eventually your deposit may be returned.

Other card types and options are also available for those with bad credit and CreditSoup.com works hard to find offers that could help you. Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.

*See online card application for details on the terms and conditions.

Categories

Best Credit Cards of 2023

Credit Quality

Free Credit Score

Issuers

As featured on:
Huffpost Inc Nasdaq

Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.

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