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Easy Credit Cards for Bad Credit

Credit card deals for bad credit are available for people whose FICO score ranges between 350 and 619. If you want to establish your credit history or rebuild your score after bankruptcy, you may consider deals designed specifically for people with less than perfect payment history. Compare bank deals for bad credit to choose the right card for you.

  • 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
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).

Application Processing Fee

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won´t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank Trust Company, Member: FDIC
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score
  • 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.
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply

Building credit history is very important for anyone who wants to get a mortgage, a car loan or credit cards on good terms. However, your FICO score can fluctuate wildly, so you should be constantly demonstrating lenders that you're a worthy financial risk.

When you have poor credit, it can be a challenge to apply for a card. Most banks and companies specialize in issuing cards for people whose scores are near to perfect. If your FICO is lower than the average, you may have difficulty getting access to credit cards. Furthermore, applicants with poor scores often make one typical mistake - they apply for too many cards without even knowing what type of credit is required for application. Multiple inquiries lower your score rating, and most lenders are wary of applicants who have been rejected multiple times.

However, certain programs are designed especially for those with limited or poor credit, and applying for these cards increases your chances of being approved. Some deals for bad credit history even come with no credit or income check which means than you can be approved regardless of your credit history. But generally these are secured deals that require you to open a deposit account at the bank issuing the card.

If you're short of cash, you may review unsecured deals for bad credit history. These deals involve a credit check but generally companies and banks offering these deals are more lenient with bad-score applicants. So, you have a better chance of obtaining a card with which you can work toward improving your bad payment history. Furthermore, the best cards for those with a bad credit history always feature monthly reporting to major credit bureaus. Cards for bad credit may have other services that can help you can build or rebuild your credit history, such as free account alerts, online account management and others.

Review the applications for bad credit by comparing the offers side by side and select the offer that best fits you. Before submitting your application online, take your time to read carefully the terms and conditions of credit offers! Apply online for cards designed especially for bad credit!


How to Get a Credit Card with Bad Credit

Zales credit card with bad credit

Don#39;t fret if you have bad credit, there#39;s still hope!

Q. How can I get a credit card if I have bad credit?


Compare credit cards for bad credit

Compare credit cards that you may be able to get even if you have a bad credit rating. Choose how they are sorted to look at the different features they offer.

  • Most popular
  • Most popular credit cards
  • Credit cards
  • Balance transfers
  • Purchases
  • Cashback
  • Rewards
  • Credit building
  • More from credit cards
  • Air miles
  • Business
  • Money transfers
  • No foreign transaction fees
  • Student
  • Credit card guides
  • Who we compare

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

Show me featured products first

sorted by: Featured products first

  • Featured products first
  • Most popular
  • Minimum credit limit
  • Maximum credit limit
  • Lowest representative APR

  • Never
  • Over a year ago
  • Within the last year
  • Never
  • Over a year ago
  • Within the last year

Not available to applicants who already have a Barclaycard credit card.

Everything above these results is featured

Credit offered by Vanquis Bank.

You may still be able to get a credit card if you have bad credit.

Credit card providers will always check your credit record when you apply, but the cards in our table above may still be available even if:

You have never borrowed money before

You have previously missed payments on your borrowing

You are unemployed

You have had county court judgments (CCJs) against you

You have been bankrupt

If you are yet to be discharged from your bankruptcy ruling, you will be unable to get a credit card.

Avoid applying for cards that may reject you because too many searches on your credit report can make it even harder to get accepted in future.

You can see if there are any cards you can get before you apply by using an eligibility checker. Here is how to check which cards are likely to accept you.

Credit cards usually specify a minimum age (usually 18) and a minimum income, so check this too.

Our table lets you filter the results to only show the cards that may accept you even if you have missed credit repayments, CCJs or are unemployed.

You can then work out which of these cards offers the best deal. Here is how to choose a credit card if you have bad credit and how they work.

Are cards for bad credit the same as other credit cards?

Yes, but they usually have higher interest rates and smaller credit limits than you could get with a better credit rating.

It is also less likely that they will come with special offers like cashback, balance transfers or 0% interest periods on purchases.

Why should you get one of these cards?

Because they are more likely to accept you than other credit cards.

After six months or more, your credit record could improve enough for you to get accepted for a card with better benefits, a higher credit limit or a lower interest rate.


2017‘s Best Reviews: Credit Cards for Bad Credit

BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). BadCredit.org does not include listings for all financial products.

  • • Use your line of credit to shop over 450,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • • Fast, easy online application process and a quick decision
  • • Not an access card
  • • See official site, terms, and details #0187;

First PREMIER® Bank MasterCard® Credit Card

  • • Checking account required
  • • We may approve those currently building their credit history
  • • Application response in 30 seconds
  • • Know the score! Quarterly FICO score on your monthly billing statement
  • • All credit types welcome to apply
  • • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
  • • See official site, terms, and details #0187;
  • • All credit types welcome to apply
  • • Monthly reporting to the three major credit bureaus
  • • Initial credit limit of $500.00 (subject to available credit)
  • • Fast and easy application process; results are provided online
  • • Checking account required
  • • See official site, terms, and details #0187;
  • • Checking account required
  • • Fast and easy application process; response provided in seconds
  • • 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
  • • See official site, terms, and details #0187;

Milestone® MasterCard® with Free Choice of Card Image

  • • Applying is quick and easy with a fast decision process
  • • Less than perfect credit is okay
  • • 24/7 access to your account information, even on mobile
  • • Card designs to fit your personality at no extra charge
  • • Account history is reported to the three major credit bureaus in the U.S.
  • • See official site, terms, and details #0187;

Our experts recommend the following as the top services in each category.

  • • Loans from $1,000 to $10,000
  • • All credit types accepted
  • • Loan requests can be approved in minutes
  • • Get funds directly to your bank account
  • • Use the loan for any purpose
  • • See official site, terms, and details #0187;

$5,000 at 18.9% APR = $179.35/month for 36 months ($6,456.68 total)

  • • Loans from $500 to $5,000
  • • Helping those with bad credit since 1998
  • • Compare offers from multiple lenders
  • • Simple form quick funding
  • • Get your money as soon as next day
  • • See official site, terms, and details #0187;

$2,000 loan at 19.9% APR = $183.63/month for 12 months ($2,203.56 total)

  • • Loans from $2,000 to $35,000
  • • Bad credit is no problem
  • • Available in all 50 states
  • • Use the loan for any purpose
  • • Fastest approval and funding
  • • See official site, terms, and details #0187;

$4,000 loan at 15.0% APR = $193.95/month for 24 months ($4,654.72 total)

  • • Signature loans from $1,000 to $35,000
  • • Perfect credit not required
  • • Use for anything - emergency expenses, medical bills, car repairs
  • • Five minute request form
  • • Immediate approval
  • • Many lenders to choose from
  • • See official site, terms, and details #0187;

$4,000 loan at 15.0% APR = $193.95/month for 24 months ($4,654.72 total)

  • • Short-term loan of $100 to $1,000
  • • Bad credit is no problem
  • • Large network of lenders
  • • Loan decision as fast as a few minutes; funding as soon as next business day
  • • Required: Income of $1000+/month and at least 90 days on job
  • • See official site, terms, and details #0187;

$200 loan for 14 days = $230 paid back (391.07% effective APR)

  • • Short-term loans $300 to $2,500
  • • Compare loan offers from multiple lenders
  • • Funds wired in as little as 1 day
  • • Specializes in bad credit
  • • Must have a job and checking account to qualify
  • • Not available in: GA, PA, WA, WV
  • • See official site, terms, and details #0187;

$200 loan for 14 days = $230 paid back (391.07% effective APR)

  • • Quick approval cash loans of $300 to $2,500
  • • Receive cash in as little as 24 hours
  • • Options for US, UK and Canadian applicants
  • • Bad credit OK
  • • Note: Payday loans are designed for short-term needs
  • • Not available in: GA, PA, WA, WV
  • • See official site, terms, and details #0187;

$200 loan for 14 days = $230 paid back (391.07% effective APR)

  • • Network of dealer partners has closed $1 billion in bad credit auto loans
  • • Specializes in bad credit, no credit, bankruptcy, and repossession
  • • In business since 1999
  • • Easy, 30-second pre-qualification form
  • • Bad credit applicants must have $1500/month income to qualify
  • • See official site, terms, and details #0187;
  • • Use your line of credit to shop over 450,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • • Fast, easy online application process and a quick decision
  • • Not an access card
  • • See official site, terms, and details #0187;
  • • Free consultation: 1-855-200-2394
  • • More than 500,000 clients served since 1991
  • • Clients see 85% of negative items removed
  • • More than 7.5 million item deletions last year
  • • Free credit score provided
  • • See official site, terms, and details #0187;

Zales credit card with bad credit

If you have poor or damaged credit, it certainly doesn't mean credit card issuers don't want your business. In fact, many issuers create cards specifically for those with a bad credit history. Though these cards' interest rates and fees tend to be higher than others, they offer easier approval standards and are geared toward helping customers build credit through responsible use. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report. Below is a summary of these cards and their terms.

Here are 2017's best credit cards for bad credit:

Looking for other offers?

7 Things to Know About Getting a Credit Card with Bad Credit

Zales credit card with bad credit

While having a less-than-perfect credit score can make being approved for a credit card difficult, it’s certainly not impossible — you just need to know a few facts and a little big-bank jargon. Below we’ll take a look at seven considerations when applying for a credit card when you have bad credit.

1. Secured vs. Unsecured Credit Card Offers

Credit cards come in many forms, but the two biggest differentiators are secured and unsecured.

Secured cards are normally easier for people with low credit scores to be approved for. This is because a deposit is required, often times equal to the amount of credit you’ll receive. This is the bank’s way of protecting itself in the event you default on payments. While credit limits are usually low with secured credit cards, they’re great stepping stones to unsecured cards.

An unsecured card is a line of credit that does not require a deposit for approval (some, however, may be fee based). Many unsecured cards come with rewards programs, and a general rule of thumb is the better your credit, the better the cards and rewards programs. However, many unsecured cards for bad credit still offer points and cash back rewards, and with responsible use, you can work your way toward better unsecured offers.

2. Some Issuers Accept Low Credit Scores, Some Don#8217;t

Before you choose the card you wish to apply for and begin the application process, it’s important to know which offers are available to you. This is because your credit score can be negatively affected by applying for credit cards you’re not approved for.

Every time you apply for a line of credit #8212; be it secured, unsecured, or even a personal loan – a hard inquiry is made to your credit report. An inquiry is the vetting process by a lender reviewing your credit history to determine approval. While the impact is minor, it can affect your credit score for up to 12 months, and remain on your credit report for two years.

The following issuers approve people with bad credit:

Credit One Bank offers many cards for bad credit with cash back rewards, gas rewards, and no deposit required. Additionally, Credit One cardholders enjoy free credit score tracking and automatic reviews for credit line increase opportunities.

First PREMIER Bank offers a lot of great starter cards for people with bad credit. These include MasterCard options that are widely accepted around the world, but be aware that some First PREMIER Bank credit cards require a program fee if approved.

The following issuers generally don#8217;t approve people with bad credit:

Whichever issuer you decide on, be sure to select a card that reports your activity to the Consumer Reporting Agencies. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report.

3. Do You Have Bad Credit, Poor Credit, or No Credit?

The category you fall into is based on your credit score, which is a reflection of the information contained on your credit reports from each of the three credit bureaus: Experian, TransUnion, and Equifax.

Your credit score is determined by your payment history, amounts owed, length of credit history, types of credit, and new credit. Each of the five components are weighted differently to calculate your score.

No Credit: 0* (You have no reported history with the credit bureaus.)

4. Choose from Only the Best Credit Card Reviews

Choosing the best credit card for your wallet can quickly become overwhelming given the number of options available. That’s why it’s important to refer to reliable and trusted sources for the best credit card reviews.

Understanding what makes a good card is an important first step — this entails a low APR (the worse your credit, the higher your APR, but always compare options to find the best available to you) and no annual or hidden fees. Rewards cards are nice, but generally carry higher APRs, so if you’re not paying the balance in full each month, your interest charges can easily outpace the rewards you earn.

For those with poor credit, a card with automatic reviews for credit line increase opportunities can be a valuable feature.

Our rankings are determined on a number of factors, such as issuer reputability, customer satisfaction, and terms of the card itself. The details of each card are listed above for easy readability to ensure you’re never victim to predatory lending.

5. Beware of #8220;Pre-Approved#8221; #8220;Pre-Qualified#8221; Cards

Despite the tricky language, receiving a pre-approved or pre-qualified offer for a card does not guarantee approval. What this actually means is that you’ve been identified by that issuer as having met a certain set of criteria for approval of that particular card, such as having a credit score above 650*. When applying for the card, you’ll be required to provide additional qualifying information, such as income and debts, that could disqualify you for the same card for which you were “pre-approved” or “pre-qualified”.

The bottom line – just because you meet one of the criteria the issuer has set for a card does not necessarily mean you meet all of them, and therefore approval is never guaranteed, which leads us to our next topic of discussion.

6. Beware of #8220;Guaranteed Approval#8221; #8220;Instant Approval Use#8221; Cards

You’ll see the term “guaranteed approval” in a card’s description, usually marked with an asterisk. This is because you’re guaranteed approval if you meet this, that, and the other issuer requirements. These cards are notorious for having high interest rates, fees, and other unfavorable terms because these issuers know their customers’ options are limited. In other words, easy-to-get cards might be bad news.

There’s also the “no credit check” and “instant approval” cards, which are predominantly prepaid cards. Unfortunately, prepaid cards cannot help you build your credit score because they do not report to the credit bureaus. A prepaid card is not a line of credit, but rather acts more like a debit card in that you fund the card yourself and use it wherever Visa, MasterCard, and other large issuers are accepted.

7. Build Credit with Responsible Credit Card Use

When you decide on the right card, you have to use it responsibly, or you won’t be doing your credit history any favors. A credit card is one tool that can help you build your credit history. Ultimately, only you can turn your credit problems around, and each person#8217;s situation is different.

Starting Credit (From 0* Credit Score)

When you have no credit history, the best thing you can do is establish your first trade line (line of credit) on your credit report. One of the easiest ways to do this is by getting your first credit card and following the golden rules of credit card ownership, which are to always pay on time and keep your balance low — it’s really that simple!

Building Credit (From Low Credit Score)

If you’ve made a few credit blunders in the past, know that time is your friend — late payments, charge-offs, and other negative marks can only remain on your credit report for up to seven years (bankruptcies may last up to 10).

In the meantime, you can actively work to build your credit by getting a card for bad credit and proving yourself a good credit risk by applying for a manageable credit limit, avoiding missed payments to your creditors, and establishing diverse credit.

Choose the Card That’s Right for You

Between your newfound knowledge and our expert reviews, you can choose the best credit card for bad credit and use it to prove you can responsibly manage a credit account. You’ll realize that being approved for the card, even with bad credit, is actually the easy part — it’s using it responsibly that can be difficult. Spend wisely!

*FICO scores/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 credit card product.