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.

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First PREMIER® Bank MasterCard® Credit Card
  • Must have checking account to qualify
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • MasterCard's new chip technology makes an already secure card, even safer.
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process! 
  • Application response in 30 seconds.
  • 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 *
Credit One Bank® Credit Card with Gas Rewards
  • Unlimited 1% cash back gas rewards
  • 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 *
Fingerhut® Credit Account
  • Shop Great Brands at Fingerhut.com
  • Choose From Over 150,000 items
  • 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 *
First PREMIER® Bank Classic Credit Card
  • Checking Account Required
  • Apply today, and if approved, pay a Processing Fee to access your available credit (additional fees and charges apply).
  • Featuring new peace-of-mind chip technology.
  • Application response in as little as 30 seconds.
  • 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 *
Capital One® Secured MasterCard®
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 24.9%* Variable $0 Limited Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 24.9% Variable*
Annual Fee $0*
Credit Needed Limited Credit *
First PREMIER® Bank Gold Credit Card
  • Checking Account Required 
  • Application response in 30 seconds.
  • Now featuring chip card technology that's more secure
  • 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 *
Total VISA® Credit Card
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 29.99% $75.00 for the first year, $48 annually after that Bad Credit/Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 29.99%*
Annual Fee $75.00 for the first year, $48 annually after that*
Credit Needed Bad Credit/Fair Credit *

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