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.

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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Life Sucks... But Your Finances Shouldn't
  • Credit Score: 300-690
  • APR: 3.84% - 35.99%

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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Best loan in Easy Way
  • Credit Score: 300-690
  • Min Amount: $100
  • Max Amount: $1000

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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Bad Credit Auto Loans

No Money Down, No Obligation, No Fees

Kroger REWARDS Prepaid Visa® Card

Earn points and receive $5.00 in free groceries and reward towards fuel saving. No Annual fee, No credit check.

  • CREDIT NEEDED

    300 - 690
  • APR

    N/A
  • MONTHLY FEE

    $4.95

Highlights

  • Monthly maintainance fee: $4.95
  • Earn Rewards Towards Free Groceries and Fuel Savings* - A Smart and Convenient Way to Pay
  • No credit check and no overdraft fees
  • The card is available for international usage
  • For every 1,000 points earned, receive $5.00 in free groceries
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Cash As Soon As Next Business Day
  • Credit Score: 300-690
  • APR: 5.99% - 35.99%

Is Your Credit Costing You?

Get free solutions and repair your credit score.

Merit Platinum Credit Card

0% APR with an easy monthly fee. Enjoy easy term with no credit check.

  • CREDIT NEEDED

    300 - 640
  • APR

    0%
  • MONTHLY FEE

    $6

Highlights

  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK
  • Report to major bureau
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Online Personal Loan Up To $50,000
  • Credit Score: 300-690
  • Min Amount: $100
  • Max-Amount: $35,000

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%
  • MONTHLY FEE

    $19.95

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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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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Need a Car Loan But Have Bad Credit?

Financing For All Credit Types

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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Your credit score matters.

Do you know yours?

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

    See Terms
  • ANNUAL FEE

    See Terms

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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Earn extra income to help fund your next big dream.

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit

Pre-qualify with no impact to your credit score and enjoy mastercard gold benefits.

  • CREDIT NEEDED

    300-640
  • APR

    24.90%
  • ANNUAL FEE

    $35 - $99

Highlights

  • Easy pre-qualification process which does not affect your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S..
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Credit One Bank Platinum VISA Credit Card

Get 1% cash back rewards on purchases. Receive free access to monthly credit score and many more.

  • CREDIT NEEDED

    300-640
  • APR

    20.24% - 26.24%
  • ANNUAL FEE

    $0 -$99

Highlights

  • Bonus offer: Get 1% cash back rewards on eligible purchases
  • Monitor your credit score with free access to your experian score
  • Zero fraud liabillity for unauthorized charges
  • Recieve automatic reviews for credit line increase
  • You can check your pre-qualification, it won't affect yor credit score
  • $0 - $75 annual fee for the first year
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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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