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Credit Cards and Prepaid Debit Cards for People with Bad Credit
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The following Credit Cards and Prepaid Debit Cards, some of which are fee based, are for People with Bad Credit or less than perfect credit. Simply getting a credit card will not help you build, re-build or re-establish your credit history. Making on-time minimum payments with all of your creditors and maintaining your account balances below the credit limits is the key to changing your financial future. Choose from both secured and unsecured credit card offers below.
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Search through the Credit Cards for Bad Credit below.
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Compare credit card offers in order to determine which card is best for you.
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 Apply for the Credit Card of your choice by filling out a secure online application.
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- Click "APPLY HERE" to apply online or call 1-866-927-5828
- Get the credit you need with no processing fees or application fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
- Your refundable security deposit can get you a line up to $3000
- You may qualify for credit line increases with no further security deposit required
- Use it like any MasterCard credit card, accepted at millions of locations worldwide
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
22.9% (V)* |
$29.00* |
Yes* |
Bad Credit* |
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- As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
- Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
- Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
- No credit check, No application fee, No obligation*
- Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee (up to) |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$9.95* |
N/A* |
No Credit Check* |
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- Applicants must have checking account
- First PREMIER Bank's offer to you: $95 Deposit gets you a $300 Credit Line, if approved.
- This credit card may be able to help rebuild your credit history if you make on-time minimum payments and maintain your balances under the credit limits with all your creditors.
- Pay no interest on purchases by paying your balance in full each month
- Your $95 credit card security deposit remains yours if you close your account with a $0 balance
- Plan your credit future with a First PREMIER Bank credit card
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| See website* |
See website* |
See website* |
See website* |
N/A* |
Fair/Bad Credit* |
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- An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
14.99%-19.99%* |
$0 - $59 the first year, $35 - $59 per year thereafter* |
Yes* |
Bad Credit* |
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- No issuance fee online
- No credit check or bank account required
- No overdraft fees
- No minimum balance required
- Free Direct Deposit
- $10 bonus with qualifying Direct Deposit (for a limited time only)
- Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee (up to) |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$3.00* |
N/A* |
No Credit Check* |
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- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- Knowledgeable customer service representatives to assist you with questions or concerns
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
14.99%-19.99%* |
$0 - $59 the first year, $35 - $59 per year thereafter* |
Yes* |
Bad Credit* |
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- No issuance fee online
- No credit check or bank account required
- No overdraft fees
- No minimum balance required
- Free Direct Deposit
- $10 bonus with qualifying Direct Deposit (for a limited time only)
- Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee (up to) |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$3.00* |
N/A* |
No Credit Check* |
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- Full-feature Platinum MasterCard secured credit card
- No credit history or minimum credit score required for approval
- Monthly reporting to all 3 major credit bureaus to establish more credit history
- Quick & complete online application
- Secured by your deposit of $300 - $2,000
- 24/7 access to your account online
- Deposit held at FDIC-insured bank
- You must be a resident of a US state; however, at present the program is not available in Alaska, Arkansas, Iowa, Maine, New York, Wisconsin, or West Virginia.
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
14.99%* |
$39.00* |
N/A* |
Bad Credit* |
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- Checking account required to qualify
- A credit card offer for those with less than perfect credit
- Reports your credit history to the major Consumer Reporting Agencies
- Apply for a credit card today - Get a response today
- This credit card may be able to help rebuild your credit history if you make on-time minimum payments and maintain your balances under the credit limits with all your creditors.
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| See website* |
See website* |
See website* |
See website* |
N/A* |
Fair/Bad Credit* |
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- Checking account required to qualify
- If approved, your $95 security deposit gets you a $300 credit limit.
- Pay no interest on purchases by paying your balance in full each month
- This credit card may be able to help rebuild your credit history if you make on-time minimum payments and maintain your balances under the credit limits with all your creditors.
- Your $95 credit card security deposit remains yours if you close your account with a $0 balance
- It's not rocket science - Applying is quick and easy
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| See website* |
See website* |
See website* |
See website* |
N/A* |
Fair/Bad Credit* |
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* See the online credit cards for people with bad credit applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the credit card issuer's web site.
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