Credit Cards for Bad Credit

Browse offers for the best credit cards for people with bad credit.

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Milestone® Mastercard®

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$35 - $99*
Intro Rate
N/A

*Dependent on credit worthiness

Milestone® Mastercard® - Less Than Perfect Credit Considered

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Poor/Bad
Regular APR
24.9%
Annual Fee
$35 - $99*
Intro Rate
N/A

*Dependent on credit worthiness

Merit Platinum Card

  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check
Apply Now
Credit Recommended
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*

Indigo® Mastercard® with Fast Pre-qualification

  • Our pre-qualification process does not affect your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, 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.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$0 - $99
Intro Rate
N/A

First Access Visa® Card

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Apply Now
Credit Recommended
Fair/Bad
Intro Rate
N/A
Intro Period
N/A
Regular APR
See Terms
Annual Fee
See Terms

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

Indigo® Unsecured Mastercard®

  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$0 - $99
Intro Rate
N/A

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$0 - $99
Intro Rate
N/A

First Digital Mastercard®

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
Apply Now
Credit Recommended
See website for Details*
Regular APR
35.99%
Cash Advance APR
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
Late Payment Fee
$40

Indigo® Platinum Mastercard®

  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$0 - $99
Intro Rate
N/A

Surge Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Apply Now
Credit Recommended
See website for Details*
Regular APR
24.99% – 29.99% (Variable)
Late Payment Fee
Up to $41.00
Return Payment Fee
Up to $41.00
Intro Rate
See website for Details*

Net First Platinum

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Apply Now
Credit Recommended
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

*See Card for Details

FIT Mastercard®

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
Apply Now
Credit Recommended
Fair/Poor/Bad
Regular APR
29.99%
Annual Fee
See Terms
Return Payment Fee
Up to $41.00
Late Payment Fee
Up to $41.00

Reflex Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Apply Now
Credit Recommended
Fair/Poor/Bad/Limited
Regular APR
24.99% - 29.99% (Variable)
Late Payment Fee
Up to $41.00
Return Payment Fee
Up to $41.00
Annual Fee
See Terms

Indigo® Platinum Mastercard® Credit Card

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$0 - $99
Intro Rate
N/A

Applied Bank® Unsecured Classic Visa® Card

  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
Apply Now
Credit Recommended
Poor/Damaged Credit
Regular APR
29.99%
Late Payment Fee
Up to $38
Return Payment Fee
Up to $38
Card Brand
Visa®

Freedom Gold Card

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
Apply Now
Credit Recommended
Damage credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Monthly Fee
See website for Details*
Regular APR
0% APR

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details

Merrick Bank Double Your Line® Secured Credit Card

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Apply Now
Credit Recommended
See website for Details
Regular APR
18.95% Variable
Annual Fee
$36 the first year. Billed $3 per month thereafter
Credit Line
$200, which doubles to $400 if you qualify
Cash Advance APR
23.95% Variable

The First Progress Platinum Elite Mastercard® Secured Credit Card

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Apply Now
Credit Recommended
Poor/Limited/No Credit
Regular APR
21.49% (V)
Annual Fee
$29
Credit Line
up to $2,000
Cash Advance APR
26.49% (V)

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Apply Now
Credit Recommended
Poor/Limited/No Credit
Regular APR
11.49% (V)
Annual Fee
$49
Credit Line
$2,000
Cash Advance APR
20.49% (V)

Indigo® Mastercard® for Less than Perfect Credit

  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Bad/Poor
Regular APR
24.9%
Annual Fee
$0 - $99
Intro Rate
N/A

First Progress Platinum Select Mastercard® Secured Credit Card

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Apply Now
Credit Recommended
Poor/Limited/No Credit
Regular APR
15.49% (V)
Annual Fee
$39
Credit Line
$2,000
Cash Advance APR
21.49% (V)

Milestone Gold Mastercard®

  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$35 - $99*
Intro Rate
N/A

*Dependent on credit worthiness

OpenSky® Secured Visa® Credit Card

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
Apply Now
Credit Recommended
Poor
Regular APR
18.14% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application

Milestone® Mastercard® - Mobile Access to Your Account

  • Instant pre-qualification is available for those who qualify
  • Don't have perfect credit? No problem!
  • Mobile friendly online access from anywhere
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now
Credit Recommended
Fair/Good
Regular APR
24.9%
Annual Fee
$35 - $99*
Intro Rate
N/A

*Dependent on credit worthiness

Merrick Bank Secured Credit Card

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Apply Now
Credit Recommended
See website for Details*
Regular APR
18.95% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Line
$200-$3,000, depending on deposit amount
Cash Advance APR
23.95% Variable

Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Apply Now
Credit Recommended
Poor/Fair/Limited/Damaged
Regular APR
9.99% Fixed
Annual Fee
$48
Credit Line
$200 - $1,000

Milestone® Mastercard® - Unsecured For Less Than Perfect Credit

  • 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.
Apply Now
Credit Recommended
Poor/Bad
Regular APR
24.9%
Annual Fee
$35 - $99*
Intro Rate
N/A

*Dependent on credit worthiness