Best credit cards for bad credit from our partners

Sign up now for free and let us match you to the best credit cards based on your credit data. Learn More.

All ratings
9 Offers

Filter

Review featured offers from our partners below.

States

Credit Risk

Rewards

Features

Issuer

Looking for prepaid cards? Click here

Filter
9 Offers
APR
Fee
Rewards

Credit card offers are not available in all states.

Platinum Prestige MasterCard Secured Credit Card
Platinum Prestige MasterCard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
9.99%
Intro APR: None
Fee
$49
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

None

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Platinum Select MasterCard Secured Credit Card
Platinum Select MasterCard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
13.99%
Intro APR: None
Fee
$39
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

None

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Merrick Bank Secured Visa®  Card
Merrick Bank Secured Visa® Card
Apply

on Merrick Bank's website

Apply

on Merrick Bank's website

APR
18.45%
Intro APR: None
Fee
$36
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

Unsecured credit line increases - after the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
Easy funding options - several convenient options to easily fund your security deposit.
Worldwide acceptance - use it anywhere Visa is accepted.
See additional details for Merrick Bank Secured Visa® Card
Platinum Elite MasterCard Secured Credit Card
Platinum Elite MasterCard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
19.99%
Intro APR: None
Fee
$29
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

None

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Milestone® Gold MasterCard®
Milestone® Gold MasterCard®
Apply

on Mid America Bank and Trust's website

Apply

on Mid America Bank and Trust's website

APR
23.90%
Intro APR: None
Fee
$35 - $99
Rewards
N/A

Balance Transfer

None

Credit Range

Poor

Pre-qualifying today will not affect your credit score
Mobile account access at any time
Choice of card image at no extra charge
Fraud protection for stolen or lost cards
Don't have perfect credit? No problem!
Our prequalification does not affect your credit score
All credit histories considered
See additional details for Milestone® Gold MasterCard®
Indigo® Platinum MasterCard®
Indigo® Platinum MasterCard®
Apply

on Celtic Bank's website

Apply

on Celtic Bank's website

APR
23.90%
Intro APR: None
Fee
$0 - $99
Rewards
N/A

Balance Transfer

None

Credit Range

Poor

Less than perfect credit is okay
No security deposit needed
Account history is reported to the three major credit bureaus in the U.S.
Simple and fast application process
Fraud protection for stolen or lost cards
Select your own style of card design at no extra charge
See additional details for Indigo® Platinum MasterCard®
Discover it® Secured Card - No Annual Fee
Discover it® Secured Card - No Annual Fee
Apply

on Discover's website

Apply

on Discover's website

APR
23.99% Variable
Intro APR: N/A
Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Poor - Fair

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® Secured Card - No Annual Fee
Total VISA Unsecured Credit Card
Total VISA Unsecured Credit Card
Apply

on Mid America Bank and Trust's website

Apply

on Mid America Bank and Trust's website

APR
See terms*
Intro APR: None
Fee
See terms*
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - 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.
No additional cost to choose from multiple card designs.
See additional details for Total VISA Unsecured Credit Card
First PREMIER® Bank MasterCard® Credit Card
First PREMIER® Bank MasterCard® Credit Card
Apply

on First PREMIER Bank's website

Apply

on First PREMIER Bank's website

APR
See issuer website
Intro APR: None
Fee
See issuer website
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Good

Must have checking account to qualify
Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month
Monitor your account and make payments online
Optional Payment Protection Available
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.
Don't let less than perfect credit hold you back

Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer's website. Once you click apply you will be directed to the issuer's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Filter 9 Offers

Credit cards for bad credit

What is considered bad credit?

A very poor credit rating based on a FICO Score includes scores ranging from 300 to 579. Generally, applicants with this FICO Score range may be required to pay an additional fee or even a deposit. This score range is also the lowest on the rating scale, and applicants may have trouble getting approval from credit card issuers.

How to work on bad credit

Checking your FICO Score includes the factors that are positively and negatively impacting your credit, and knowing those factors can help you get your credit to where you want it to be. In general, paying all your bills on time and keeping your balances low will help you on the road to good credit.

Secured and unsecured credit cards

There are two types of credit card options for bad credit, secured and unsecured. A secured credit card requires a deposit of certain amount of money into a savings account, and the credit limit is often based on a percentage of the deposited amount. This deposit for a secured credit card acts as collateral, and funds are not used for regular payments. This is unlike a prepaid card, which draws from the funds you deposit and is not reported to credit bureaus. Most credit cards are unsecured credit cards. An unsecured credit card requires no deposit and is simply a revolving line of credit with a limit that you can borrow against.

Credit card details to look for with bad credit
  • Secured credit cards: These can be a great tool for helping to build credit, but only if the issuer reports the credit history to the credit bureaus. Issuers will generally require a minimum security deposit, and some will even hold your deposit in an interest bearing account, such as a CD. Secured credit card providers may not require any credit history or have a minimum credit score for approval.
  • Fees: Some issuers for both secured and unsecured cards may or may not charge annual fees, and some may even charge monthly service fees on top of an annual fee. Paying attention to all of the different fees can help you understand your total costs. Additional things to look for including any program or maintenance fees, application fees, transaction fees, and penalty fees, There may also be fees for optional services, such as fees for lost cards or credit line increases.
  • Rates: Interest rates can vary significantly and can be either fixed or variable. Paying the full balance each month could help you avoid interest and to help maximize rewards if those are offered. Some issuers offer no penalties for missed payments, while some can increase your interest rates significantly.

1 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.