Revvi Card
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Perfect credit not required • $300 credit limit (subject to available credit)
- Annual fee
- $75 1st year, $48 after*
- Recommended credit
- Poor / Fair
- Purchase APR
- 35.99%*
Credit Cards for Bad Credit
Cards for bad credit are designed for applicants with low scores or past credit problems. Many are secured cards; others are unsecured cards with higher APRs, lower limits or extra fees. The goal is to rebuild a record of on-time payments while keeping costs low.
We may be compensated when you click links to issuer sites. Advertiser Disclosure. Rates, fees and offers vary and change often; confirm current terms on the issuer’s site.
38 cards · select up to 3 to compare side by side
Surge® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Annual fee
- The annual fee ranges from $75 - $125
- Recommended credit
- Fair / Poor
- Intro APR
- See website for details*
Mercury® Mastercard®
- Free access to FICO score
- Reports to the three main credit bureaus
- Annual fee
- $0 to $79
- Recommended credit
- Fair
- Purchase APR
- 29.99% variable based on the Prime Rate
Total Visa® Card
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required • $300 credit limit (subject to available credit)
- Annual fee
- See Terms*
- Recommended credit
- Fair / Poor
- Purchase APR
- 35.99%*
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Annual fee
- $75 - $125
- Recommended credit
- Good / Fair / Poor
- Intro APR
- See website for details*
Group One Platinum Card
- No employment or credit check to apply
- Fast and easy application
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
Indigo® Mastercard® for Less than Perfect Credit
- Great for demonstrating responsible use of credit
- Short and easy-to-complete application form
- Annual fee
- See issuer terms
- Recommended credit
- Fair / Poor
- Purchase APR
- 35.9%
Best Egg Visa® Credit Card
- No foreign transaction fees
- No impact to your credit score if your application is declined
- Annual fee
- None
- Recommended credit
- Fair / Poor
- Purchase APR
- 18.99% to 28.99% variable based on creditworthiness
Destiny Mastercard®
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Annual fee
- See issuer terms
- Recommended credit
- Fair / Poor / Good
- Purchase APR
- See issuer terms
First Digital Mastercard®
- Earn 1% cash back rewards on payments made to your First Digital Credit Card
- Checking Account Required
- Annual fee
- $75 1st year, $48 after*
- Recommended credit
- Poor / Fair
- Purchase APR
- 35.99%*
Today Card™ Mastercard®
- Free access to check your TransUnion VantageScore
- Set up text message alerts to notify you of available credit, current balance, due dates, and payments made
- Annual fee
- $120 (billed monthly)
- Recommended credit
- Fair / Poor
- Purchase APR
- Up to 36.00% variable based on the Prime Rate
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Annual fee
- See Terms*
- Recommended credit
- Fair / Poor
- Intro APR
- See website for details*
Avant Credit Card
- Reports to all three major credit bureaus
- Late Payment Fee: Up to $25
- Annual fee
- $0 to $59
- Recommended credit
- Fair / No Credit Required
- Purchase APR
- 35.99%
First Phase Visa®
- Build credit with a card that reports to all major credit bureaus
- On-call representatives with reliable customer service
- Annual fee
- $75 for the first 12 months. After that, $48
- Recommended credit
- Fair / Poor / No Credit Required
- Purchase APR
- 34.99% variable based on the Prime Rate
Total Select
- Total Select cardholders get FREE access to Credit Monitoring powered by TransUnion. Enroll Today!
- Chip-enabled card for added security
- Annual fee
- $75 the first year ($48 after that)
- Recommended credit
- Fair / Poor
- Purchase APR
- 29.99%, compounded daily
Cerulean Mastercard
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Annual fee
- See Terms*
- Recommended credit
- Fair / Poor
- Purchase APR
- See Terms*
Cleo Credit Builder Card
- Put cash into your security deposit, which acts as, and increases, your credit line
- Account status is reported to 3 credit bureaus (Experian, Equifax, TransUnion)
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
Capital One Platinum Card
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Annual fee
- None
- Recommended credit
- Good / Fair
- Purchase APR
- 30.74% variable based on the Prime Rate
Chase Freedom Rise
- Earn 1.5% in cash back for all of your purchases
- Earn a $25 bonus for enrolling in in the first three months
- Annual fee
- None
- Recommended credit
- Fair / Poor
- Purchase APR
- 26.49% variable based on the Prime Rate
Fortiva® Mastercard®
- Free VantageScore 3.0 (provided by Equifax)
- Reports to all three major credit bureaus
- Annual fee
- $49 to $175 the first year; up to $49 thereafter
- Recommended credit
- Fair / Poor
- Purchase APR
- *See Terms
BankAmericard® Secured Credit Card
- Requires minimum $300 deposit (refundable)
- Free access to monthly updated FICO® Score
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Purchase APR
- 26.24% variable based on the Prime Rate
Applied Bank Secured Visa® Gold Preferred® Card
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Annual fee
- $48
- Recommended credit
- Fair / Poor
- Purchase APR
- 9.99% Fixed Rate
Verve Mastercard®
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Annual fee
- See Terms*
- Recommended credit
- Fair / Poor
- Purchase APR
- See Terms*
UNIFY Visa® Share Secured Card
- Optional debt protection feature
- Auto rental collision damage waiver through Visa®
- Annual fee
- None
- Recommended credit
- Fair / Poor / No Credit Required
- Purchase APR
- 11.74% Fixed
Ollo Platinum Card
- No annual fee, no foreign transaction fees
- Automatic credit line increase reviews
- Annual fee
- $0 to $39
- Recommended credit
- Fair / Poor
- Purchase APR
- 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
USF Secured Visa®
- Digital-wallet compatible
- Travel and accident Insurance
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Purchase APR
- 14.24% variable based on the Prime Rate
Applied Bank® Unsecured Classic Visa®
- Get pre-qualified in less than a minute
- A $300 unsecured credit line which can be used at grocery stores, gas stations, discount stores, ATMs and online
- Annual fee
- See website for details*
- Recommended credit
- Poor
- Purchase APR
- 29.99%
Focus Gold Card
- Instant Approval / $750 Credit Line
- No Employment or Credit Check
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
Credit One Bank® Platinum Visa® for Rebuilding Credit
- See if you Pre-Qualify without harming your credit score
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV…
- Annual fee
- $75 for the first year. After that, $99 annually (Billed at…
- Recommended credit
- Fair / Poor
- Purchase APR
- 28.99% variable based on the Prime Rate
Blaze Mastercard® Credit Card
- No security deposit required
- Convenient and easy to use
- Annual fee
- See Terms*
- Recommended credit
- Poor
- Purchase APR
- See Terms*
SmartHealth PayCard™ Mastercard®
- 90 seconds to apply, and get a virtual card for use immediately
- Individual and family benefits of $5,000 accident and injury medical indemnity benefit coverage
- Annual fee
- $120
- Recommended credit
- Good / Fair / Poor
- Purchase APR
- 18%
Citizens Trust Bank VISA Privilege Credit Card
- Rebuild credit with on-time payments
- Great low APR for purchases, balance transfers, and cash advances
- Annual fee
- $25
- Recommended credit
- Fair
- Purchase APR
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
SDCCU Share Secured Visa Classic
- One low fixed APR for all transactions
- Build or repair your credit
- Annual fee
- $20
- Recommended credit
- Poor / No Credit Required
- Purchase APR
- 15%
First PREMIER® Bank Credit Card
- Quarterly FICO® score is provided free of charge with monthly billing statement
- Ideal for consumers with less than perfect credit
- Annual fee
- $75-$125 the first year, depending on credit limit. After…
- Recommended credit
- Poor
- Purchase APR
- 36%
Oportun® Visa® Credit Card
- No foreign transaction fees
- No credit history required
- Annual fee
- None to $49
- Recommended credit
- Poor / No Credit Required
- Purchase APR
- 24.90% to 29.90% variable based on creditworthiness and the Prime Rate
Taz Visa®
- Stay on top of your account with the Taz mobile app
- U.S. based customer service
- Annual fee
- See issuer terms
- Recommended credit
- Poor / Fair
- Purchase APR
- 29.99% variable based on the Prime Rate
First Access Visa® Card
- Earn 1% cash back rewards on payments made to your First Access Credit Card
- Checking Account Required
- Annual fee
- See Terms*
- Recommended credit
- Fair / Poor
- Purchase APR
- 35.99%*
Valley Visa® Secured Card
- Flat-rate purchase and balance transfer APR
- Credit limit up to $5,000
- Annual fee
- None
- Recommended credit
- Poor
- Purchase APR
- 29.24% variable based on the Prime Rate
What to look for
- Total cost: watch for monthly maintenance, program or setup fees in addition to an annual fee.
- Credit limit increases: some cards review your account for a higher limit after several on-time payments.
- Prequalification: checking offers with a soft inquiry first avoids unnecessary hard inquiries.