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 Classic Credit Card
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  • Checking Account Required
  • Apply today, and if approved, simply pay a Processing Fee to access your 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
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  • 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 *
First PREMIER® Bank MasterCard® Credit Card
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  • 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 *
Fingerhut® Credit Account
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  • $50 off orders of $200 or more with an approved Fingerhut Credit Account by WebBank. Promo code NC475-Ends 10/31/2014
  • Shop Great Brands at Fingerhut.com
  • With a WebBank/FingerHut Credit Account, buy favorite brands with low payments.*
  • 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 *
Credit One Bank® Earn More Credit Fast
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  • 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 *
Luxe Signature Card
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  • 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 *
Horizon Gold Credit Card
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  • $500 Credit Limit!
  • Guaranteed Approval.
  • No Credit Check.
  • Always 0.0% APR!
  • Fast Online application.
  • No employment check.
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
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  • 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 *
Capital One® Secured MasterCard®
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  • Unlike a prepaid card, it builds credit when used responsibly
  • 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 - no additional deposit required
  • It’s a credit card - accepted at millions of locations worldwide
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
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 *
First Progress Platinum Prestige Secured MasterCard
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  • 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 11.99% (variable)* $44* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 11.99% (variable)*
Annual Fee $44*
Credit Needed Bad Credit *

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