Credit Cards For Bad Credit

Bad Credit Score: 300 to 579 range. Get a list of the best credit cards for boosting your credit by making on-time payments and keeping a low balance.

If you have bad credit, it's not too late to start repairing your credit. We've compiled a list of the best credit cards for rebuilding your credit. With these cards, you'll want to make sure that you're making on-time payments and that you're keep a low balance since most of these cards will report your usage to the credit bureaus.

While building your score through responsible credit card usage is great, you'll still want to know what's on your credit report. If you have collections or negative information on your report and you have the extra funds, you may want to settle them. I recommend contacting them to negotiate a payment in exchange for them removing the negative off your credit report.

Credit Cards For Bad Credit

Credit One Bank® Visa® for Rebuilding Credit
Rewards Rate
1%
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
17.99% - 23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
Surge Secured Mastercard®
Rewards Rate
1%
1% Cash back rewards on every purchase
Annual Fee
$69
Regular APR
19.99% variable
Main Card Highlights
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • 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
  • $0 fraud liability
  • Checking Account Required
Secured Mastercard® from Capital One
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$0
Regular APR
26.99 variable
Main Card Highlights
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
OpenSky® Secured Visa® Credit Card
Rewards Rate
N/A
This card does not offer cash back, points, or miles.
Annual Fee
$35
Regular APR
17.39% variable
Main Card Highlights
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • 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.
Petal® 1 "No Annual Fee" Visa® Credit Card
Rewards Rate
N/A
This card does not offer cash back, points, or miles
Annual Fee
$0
Regular APR
19.99% - 29.49% variable
Main Card Highlights
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500-$5,000 credit limits
  • Variable APRs 19.99-29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Surge Mastercard®
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • See if youÔÇÖre Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • 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
  • $0 fraud liability for unauthorized charges
  • Checking Account Required
Indigo® Platinum Mastercard®
Rewards Rate
N/A
This card does not offer cash back, points, or miles
Annual Fee
$0-$99
Regular APR
24.90%
Main Card Highlights
  • No security deposit required so you can keep more money in your pocket
  • Pre-qualify without impacting your credit score
  • Shine brighter with a credit card as unique as you
  • Get access to a credit card you can use online, in store and in app where ever you see the Mastercard logo
  • Pre-qualify faster than a jet plane - all without impact your credit score
  • Pre-qualify faster than you can microwave a burrito!
  • Build on your credit history with style
  • A card for your wallet that pops just like you!
  • Worry free spending with $0 liability on unauthorized charges!
  • More credit for your everyday needs
DestinyÔäó Mastercard┬«
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$59-$99
Regular APR
24.90%
Main Card Highlights
  • $0 Fraud Liability for unauthorized use offers you peace of mind
  • Feel confident knowing pre-qualifying will not affect your credit score
  • Pick the credit card design that speaks to you
  • Access to an unsecured credit card - no security deposit required
  • Nationwide acceptance - use anywhere Mastercard is accepted in app, in store, and online
  • Pre-qualifying is quick and easy and will let you know if you are qualified without impacting your credit score
  • Pre-qualify without impacting your credit score
  • A card for your everyday needs
  • Reports your payments to all three major credit bureaus
  • Use your card in app, in store, and online - Nationwide wherever Mastercard is accepted
Total Visa® Unsecured Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card 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
  • $300 credit limit (subject to available credit).
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Milestone® Gold Mastercard®
Rewards Rate
N/A
This card doesn't offer cash back, points or miles
Annual Fee
$35-$99
Regular APR
24.90%
Main Card Highlights
  • A Mastercard designed for you
  • Build on your credit history with the Milestone Mastercard
  • Quick and easy pre-qualification
  • Quick and easy pre-qualification that does not impact your credit score
  • Get access to credit when you need it
  • A way to build on your credit history
  • Get a Mastercard accepted online, in store and in app.
  • Get credit for all of your hard work. Milestone Card reports to all three credit bureaus
First Access Visa® Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • Get the security and convenience of a full-featured, unsecured Visa┬« Credit Card ÔÇô 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 wonÔÇÖt
  • Easy and secure online application
  • $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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
First PREMIER® Bank Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Issuer Website
Regular APR
See Issuer Website
Main Card Highlights
  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if youÔÇÖre approved!
  • *Build credit by keeping your balance low and paying all your bills on time every month.
Reflex Mastercard® Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • See if youÔÇÖre Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • 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
  • $0 fraud liability for unauthorized charges
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$49
Regular APR
12.99% variable
Main Card Highlights
  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard┬« Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.
First Progress Platinum Select Mastercard® Secured Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$39
Regular APR
13.99% variable
Main Card 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┬« 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.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Applied Bank® Unsecured Classic Visa® Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • Fast and Easy Application and Approval Process!
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

Credit Repair Services & Help

If building your credit is becoming a lot of work or you're overwhelmed due to past credit mistakes, you may want to consider help from a professional credit repair agency. There are a bunch of different services to choose from out in the world, but we've slimmed them down to the two most effective credit repair services that have great rating online.

Repair your credit with the professionals at Lexington Law. They will find questionable negative items that may be wrongfully hurting your score, challenge and dispute items on your report, and help you manage your credit while addressing new credit issues as they appear.
Get a free online credit evaluation including a free credit score & summary, free negative item review, and free credit improvement plan. Completely secure and won't hurt your credit score.

Check Your Credit Score

You should always know what's on your credit report and have a good idea of what your credit score is. Listed below are the best options for keeping up to date on your credit score across the major bureaus as well as being notified when there are changes to your credit report.

Use MyFICO to grab a one-time credit score and report or sign up for a monthly membership to receive notifications when there's changes to your credit report. Sign up through The Point Calculator and get 20% off.
Credit Karma is the best option if you want to know what's on your credit report. Sign up for free and get access to your Transunion and Equifax credit reports.
You can shortcut your way to finding great offers by using the CardMatch Tool. See all of your personalized and targeted credit card offers in less than 60 seconds with a soft pull on your credit. No hard credit pull.

Other Credit Options

Get the list of all of rewards credit cards you can use to build your credit. Applicable to those with no credit, bad credit, and fair credit.
Get a list of the best credit cards for fair credit. Continue to build your credit history and improve your score with these cards.
Have limited credit or no credit at all? Build up your credit profile with these great credit card options.
If you have good credit (670 to 739) or excellent credit (740 to 850), you'll have access to the best of the best when it comes to earning rewards. Search for the best credit cards based on your spend with our tool!

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