Bad Credit OK Credit Cards and Prepaid Debit Cards

Credit cards and prepaid debit cards for "bad credit" feature approval standards geared toward helping consumers with an imperfect credit history obtain a line of credit. Many cards feature monthly reporting to the major consumer reporting agencies, which enables the cardholder to have their payment history added to his or her credit profile. See below for today's top credit card and prepaid debit card offers for people with bad credit, along with links to each card's secure online application.

Advertiser Disclosure
First PREMIER® Bank Classic Credit Card
  • Checking Account Required
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Reports your credit history to the major Consumer Reporting Agencies
  • Optional Payment Protection Available
  • This is a credit card - not a debit or prepaid card
  • Secure online application keeps your information confidential
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See Website* See Website* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit *
Credit One Bank® Credit Card with Gas Rewards
  • 1% back on gas purchases
  • No limit to the gas rewards you can earn
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities     
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 17.90%-23.90% (Variable) $35-$99* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 17.90%-23.90% (Variable)*
Annual Fee $35-$99*
Credit Needed Bad Credit *
First PREMIER® Bank MasterCard® Credit Card
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit)
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See website See website Bad / Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See website*
Annual Fee See website*
Credit Needed Bad / Fair Credit *
Luxe Signature Card
  • No credit check
  • Fast Online Application
  • No Employment Check
  • Bad Credit OK
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 0.00%* N/A Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 0.00%*
Annual Fee N/A*
Credit Needed Bad Credit *
Credit One Bank® Credit Card – Online Credit Score Tracking Included
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score!
  • Email or text alerts to remind you when your payment is due
  • Automatic reviews for credit line increase opportunities     
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 17.90%-23.90% (Variable) $35-$99* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 17.90%-23.90% (Variable)*
Annual Fee $35-$99*
Credit Needed Bad Credit *
primor Secured Visa Classic Card
  • Fast, easy application process
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Guaranteed Approval* As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 13.99%* $39* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 13.99%*
Annual Fee $39*
Credit Needed Bad Credit *
Pink NetSpend® Visa® Prepaid Card
  • Get payroll and government benefit checks up to 2 days faster* with direct deposit.
  • No credit check needed - 100% Approval* (ID verification required).
  • No credit card debt or late fees because this is not a credit card.
  • Earn cash back for using your card with the NetSpend Payback Rewards program.
  • Get real time activity alerts to your mobile phone or use the Mobile App to manage your account while you're on the go (Message & data rates may apply).
  • Earn up to $20 for every friend you refer.
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit Check *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit Check *
Capital One® Secured MasterCard®
  • Build credit with responsible use
  • Regular reporting to the 3 major credit bureaus
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 22.9% Variable* $29* Limited Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $29*
Credit Needed Limited Credit *
Gold NetSpend® Visa® Prepaid Card
  • Sign up for direct deposit and get paid up to 2 days faster* - payroll and government benefit checks.
  • Guaranteed Approval* - No credit check needed (ID verification required).
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Customize your card to add a personal touch or an extra layer of security.*
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit Check *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit Check *
Credit One Bank® Earn More Credit Fast
  • Automatic reviews for credit line increase opportunities     
  • Get Pre-Qualified without affecting your credit score
  • Pick your payment due date to fit your schedule
  • Keep an eye on your progress with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 17.90%-23.90% (Variable) $35-$99* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 17.90%-23.90% (Variable)*
Annual Fee $35-$99*
Credit Needed Bad Credit *

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