Cards for Bad Credit

Advertiser Disclosure
About Our Partners

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 Score today. Once you know your credit score, match it to a list of credit cards options for your score.

Find The Card for You

Search Now
Find The Card for You
Search Now on the CreditSoup.com secure website.
Cost
No Charge to Find Out if You're Eligible
Credit Limit
Varies Based On The Card You Choose
Card Types
Cards for Every Credit Type
Search Now on the CreditSoup.com secure website.

Highlights

  • Cards for every credit score.
  • See if you're eligible with no impact to your credit.
  • Get personalized card offers in seconds.
  • Compare your offers and apply with confidence.
See additional details for Find The Card for You

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
Rewards Rate
1% Cash Back Rewards on payments
Credit Limit
$200-500
Credit Recommended
Fair
Apply Now On the First Access Visa® Card secure website
Regular APR
35.99%*
Cash Advance APR
35.99%*
Reports to Consumer Reporting Agencies
Monthly to all 3 major bureaus

Highlights

  • An initial credit limit Up To $500! (See terms*)
  • First Access gives you 1% Cash Back – perfect credit not required!
  • Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
  • Manage your account & 1% Cash Back Rewards on the First Access Card Mobile App!
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See First Access Rewards Programs Terms & Conditions for details
See additional details for First Access Visa® Card

The Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Apply Now
The Secured Self Visa® Credit Card
Apply Now on the Self's secure website.
Credit Recommended:
None/Poor
Credit Line
Starts at $100 and is equal to your deposit
Minimum Deposit
$100 minimum security deposit*
Credit Check
No Hard Credit Check Required
Apply Now on the Self's secure website.
Regular APR
28.24% Variable
Credit Recommended
None/Poor
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)^

Highlights

  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
    *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
    The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
See additional details for The Secured Self Visa® Credit Card

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

Current Build Visa® Credit Card

Get Started
Current Build Visa® Credit Card
Get Started on the issuer’s secure website.
Regular APR
0.00%
Products Offered
Mobile Banking & Visa Credit Card
Brand Name
Visa®
Get Started on the issuer’s secure website.
Credit Check
No

Highlights

  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
  • View Product Disclosures
See additional details for Current Build Visa® Credit Card

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Indigo® Mastercard® for Less than Perfect Credit

Credit Recommended:
Bad/Poor/Fair
Apply Now
Indigo® Mastercard® for Less than Perfect Credit
Apply Now On the Indigo® Mastercard® secure website
Credit Recommended:
Bad/Poor/Fair
Credit Limit
$700
Regular APR
35.9%
Foreign Trans Fee
1% of each transaction in U.S. dollars
Apply Now On the Indigo® Mastercard® secure website
Annual Fee
$175 - $199
Credit Recommended
Bad/Poor/Fair
Card Brand
Mastercard®

Highlights

  • 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.
See additional details for Indigo® Mastercard® for Less than Perfect Credit
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

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

OpenSky® Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$200-$3000 at time of application
Annual Fee
$35
Apply Now on the Capital Bank N.A. secure website.
Regular APR
24.64% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
24.64% (variable)

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Secured Visa® Credit Card

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.

OpenSky Launch Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky Launch Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$100- $1,000
Minimum Deposit
$100
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.99% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Recommended
No credit, Poor, Fair

Highlights

  • Start building credit with just $100 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky Launch Secured Visa® Credit 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
Rewards Rate
Up to 10% cash back rewards
Credit Line
$300-$3000 at time of application
Annual Fee
$0
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.99% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
28.99% (variable)

Highlights

  • No annual fee – keep more money in your pocket!
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Earn up to 10% cash back on everyday purchases
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Plus 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

Recommended Credit Cards of 2025

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.

Sign In
Sign In