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.

Topcard
First PREMIER® Bank Gold 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).
  • This is a credit card - not a debit or prepaid card
  • Reports your credit history to the major Consumer Reporting Agencies
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
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 *
Additional
Credit One Bank® Credit Card with Gas Rewards
  • 1% back on all 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
  • Make your first six payments on time and get a credit line increase
  • 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% (V)* $35-$75* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 17.90%-23.90% (V)*
Annual Fee $35-$75*
Credit Needed Bad 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
  • Get a credit line increase automatically after you make your first six monthly payments on time
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 17.90%-23.90% (V)* $35-$75* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 17.90%-23.90% (V)*
Annual Fee $35-$75*
Credit Needed Bad Credit *
First PREMIER® Bank Credit Cards
  • Offers for all credit types. See which one you Pre-Qualify for.
  • If you've had trouble in the past, this may be your chance to prove you can responsibly manage a credit account.
  • You may rebuild your credit history by making on time payments to all your creditors and keeping your balances low relative to the credit limit.
  • Monthly reporting to the major Consumer Reporting Agencies
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Fair Credit *
Capital One® Secured MasterCard®
  • Build credit with responsible use with no processing or application fees
  • 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 *
Credit One Bank® Earn More Credit Fast
  • Make your first six payments on time and get a credit line increase
  • 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% (V)* $35-$75* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 17.90%-23.90% (V)*
Annual Fee $35-$75*
Credit Needed Bad Credit *
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
  • 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 $300 -- $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
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 19.99% (Variable)* $29* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 19.99% (Variable)*
Annual Fee $29*
Credit Needed Bad Credit *
First PREMIER® Bank Credit Card
  • Checking Account Required
  • If you have less-than-perfect credit, we may approve you when others won't.
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Monthly reporting to the major Consumer Reporting Agencies.
  • Acceptance at millions of locations worldwide, including online purchases (subject to available credit).
  • Trying to rebuild your credit history? You may 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 Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit *
Fingerhut® Credit Account
  • Shop Great Brands at Fingerhut.com
  • Choose From Over 30,000 Products. $10 off a purchase of $100 (coupon code NC244).
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.90%* $0* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 24.90%*
Annual Fee $0*
Credit Needed Bad Credit *

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