The Best Credit Cards for Bad Credit

Is a bad credit score keeping you up at night? Down below are the best credit cards that build your credit ASAP. All you have to do is pay right on time, maintain a low balance and these credit cards will build your credit by reporting your responsible behavior to Credit Bureaus. Give your credit score a rejuvenating rest and revitalize it into good credit with a credit card for bad credit.

OpenSky® Secured Visa® Credit Card

No credit check. Use you card for everyday purchase and build better credit.

  • CREDIT NEEDED

    300- 640
  • APR

    19.64%
  • ANNUAL FEE

    $35

Highlights

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone./li>
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Netspend® Visa® Prepaid Card

No credit check. No activation fees. Enjoy cashback for everyday purchases.

  • CREDIT NEEDED

    300 - 850
  • APR

    N/A
  • ANNUAL FEE

    $9.95

Highlights

  • No Upfront Fee
  • Get cash back for many every day purchase and get personalized offer
  • No late fees or interest rate
  • No minimum balance required
  • No credit check
  • With mobile app, manage your account and get text messages or email alert
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First Progress Platinum Select MasterCard® Secured Credit Card

Nationwide acceptance. Use your card for any purpose. No credit history required.

  • CREDIT NEEDED

    300-640
  • APR

    14.74%
  • ANNUAL FEE

    $39

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
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Total Visa® Credit Card

Perfect tool for people who faced struggled to get credit in the past. Monthly reporting to credit bureaus.

  • CREDIT NEEDED

    300 - 690
  • APR

    34.99%
  • ANNUAL FEE

    $48- $75

Highlights

  • 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 Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
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Horizon Gold

Easy terms with no credit check. Fast online application with 0% APR.

  • CREDIT NEEDED

    300 - 640
  • APR

    0%
  • ANNUAL FEE

    N/A

Highlights

  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK
  • *See Terms & Conditions for Details
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Vast Platinum

Reward yourself with the amazing benefits of cards. No Credit check.

  • CREDIT NEEDED

    300 - 640
  • APR

    N/A
  • ANNUAL FEE

    $19.95(monthly)

Highlights

  • Bonus Benefits: 24/7 Roadside Assistance Plan, and Legal Assistance
  • Fast secure application with low monthly repayment
  • No credit check or getting denied because of bad credit
  • Get a credit line of $1,000, which can only be used to purchase at My Unique Outlet
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First Access Visa® Card

No need for a perfect credit score. Get your card in as little as 60 seconds.

  • CREDIT NEEDED

    300- 640
  • APR

    34.99%
  • ANNUAL FEE

    $48 - $75

Highlights

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Less than perfect score is okay.
  • Get your own custom card designed for free.
  • Get response in as little as 60 seconds.
  • Easy and simple online application.
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Unique Platinum

Manage low monthly repayments with no interest on purchases. All credit types are welcome.

  • CREDIT NEEDED

    300 - 850
  • APR

    0%
  • ANNUAL FEE

    $19.95 (Monthly)

Highlights

  • $1000 Credit Limit
  • No Credit Checks
  • 0% Financing
  • Instant Approval
  • No application denied for bad credit!
  • *See terms and conditions
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American Express Blue Cash Preferred Card

12 month 0% intro APR on purchases and balance transfers. Get most out of your cash back.

  • CREDIT NEEDED

    600 - 850
  • APR

    15.24% - 26.24%
  • ANNUAL FEE

    $95

Highlights

  • Rewards rate: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations and at select U.S. department stores; 1% other purchases. Terms and Conditions apply.
  • $200 statement credit after you spend $1,000 in buys on your new Card inside the initial 3 months.
  • 6% cash back at U.S. grocery stores (on up to $6,000 every year in buys, at that point 1%) – that implies using $60 seven days at U.S. stores could win over $180 back every year.
  • 3% cash back at U.S. corner stores and at select U.S. retail chains, 1% back on different buys.
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Capital One Secured Mastercard

Enjoy building your credit with no annual fee and $0 foreign transaction fees.

  • CREDIT NEEDED

    350 - 640
  • APR

    26.99% (variable)
  • ANNUAL FEE

    $0

Highlights

  • No annual fees.
  • No foreign transaction fees.
  • Get access to your regular credit report from three major credit bureau.
  • You will get a minimum credit line of $200, after making a refundable minimum security deposit of $49, $99 or $200, based on your creditworthiness.
  • Get access to higher credit line after making your first 5 monthly payments on time.
  • The card comes with credit building benefits when used responsibly.
  • 24/7 account accessibility by phone or using mobile app.
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Edge Elite

Freedom to shop from all the major brand. This card is best suited for people with bad or no credit.

  • CREDIT NEEDED

    300 - 640
  • APR

    0%
  • ANNUAL FEE

    $19.95 (Monthly)

Highlights

  • No credit check or employee check
  • A Minimum credit line of $1,000.
  • Shop from the exclusive online store which features almost all major brand.
  • An additional privilege in Road assistance plan and other discount opportunities.
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