A "bad
credit" rating is typically a credit score below
620 and indicates that you have paid late multiple times
or defaulted on credit card or loan balances. More than
a dozen credit cards on the market today are geared
toward applicants with a bad credit history. Many of
these cards feature monthly reporting to the major credit
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 cards for those with bad
credit, along with links to each card's secure online application. |
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First PREMIER® Bank Gold Credit Card
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- Use your card everywhere MasterCard®/Visa® cards are accepted (subject to available credit)
*
- Monthly reporting to major Consumer Reporting Agencies
*
- Convenient 24-hour account access by phone
*
- The online application is safe, secure, and simple*
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
See Site* |
See Site* |
Bad Credit* |
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AccountNow Prepaid Visa® Card
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- 100% guaranteed approval
*
- Free credit builder, bill pay, and $0 activation fee with direct deposit
*
- New! Now with the iAdvance(SM) loan option
*
- This is a debit-card, not a credit card*
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
N/A* |
See Site* |
No Credit Check* |
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Orchard Bank Classic MasterCard®
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- Acceptance at millions of locations worldwide, including website purchases and reservations
*
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
*
- Email and text messages to remind you of your upcoming payment due date with online enrollment
*
- On-call customer service representatives to assist you with questions or concerns *
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
14.90% - 19.90%* |
$39 - $79* |
Bad Credit* |
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AccountNow™ Prepaid MasterCard®
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- 100% guaranteed approval
*
- New! Now with the iAdvance(SM) loan option
*
- Free credit builder, bill pay, and $0 activation fee with direct deposit
*
- This is a debit-card, not a credit card*
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
N/A* |
See Site* |
No Credit Check* |
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Prepaid Visa® RushCard
|

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- Created by Russell Simmons to provide Financial Freedom & Respect
*
- Guaranteed approval
*
- No Credit Check
*
- Free Direct Deposit
*
- No Overdraft Fees/ No Check Fees/ No Interest Fees
*
- Free Credit Builder*
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
N/A* |
N/A* |
No Credit Check* |
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MyCreditCardFinder.com
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- Submit 1 form, get up to 10 offers in seconds
*
- Free, no obligation
*
- Rewards cards for any credit history
*
- Bad credit or good credit, you'll receive a list of cards tailored to you *
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| Offers Vary* |
Offers Vary* |
Offers Vary* |
Offers Vary* |
Bad/No Credit* |
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Baby Phat Prepaid Visa® RushCard
|

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- Show your style with the BabyPhat RushCard
*
- Guaranteed approval
*
- No Credit Check
*
- Free Direct Deposit
*
- No Overdraft Fees/ No Check Fees/ No Interest Fees
*
- Free Credit Builder *
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
N/A* |
N/A* |
No Credit Check* |
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Juniper MasterCard® Prepaid Card
|

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- Get approved with no credit check or bank account required
*
- Save money with no transaction fees on your purchases
*
- No monthly fee with Direct Deposit (Direct Deposit is FREE)
*
- Access cash at millions of ATMs worldwide
*
- Use anywhere MasterCard® Debit is accepted
*
- Get access to exclusive discounts through the MasterCard Savings(TM) program*
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$0* |
No Credit Check* |
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Wired Plastic™ Visa® Prepaid Card
|

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- FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
*
- FREE Bill Pay Service - Pay anyone online or over the phone
*
- FREE Credit Builder with overdraft protection
*
- FREE mobile & email alerts*
- See details, terms, and application.
|
| Intro APR - Purchases |
Intro APR - Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A* |
N/A* |
N/A* |
See Site* |
No Credit Check* |
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