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
Surge Mastercard® Credit Card
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Needed
Bad/Poor
First Access Visa® Credit Card
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (Subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Fair/Bad Credit
OpenSky® Secured Visa® Credit Card
  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • * View the cardholder agreement
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
18.99% (Variable)
Annual Fee
$35
Credit Needed
No credit check
Total Visa® Card
  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Bad/Fair Credit
Indigo® Mastercard® Credit Card
  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
24.90% fixed
Annual Fee
$0 - $99
Credit Needed
Fair/Good

Related Offers

Loans Under 36%
  • Loans up to $35,000
  • Suitable for those with all credit ranges
  • APR varies from 4.99% up based on customer information
  • Great for consolidating debt
  • No obligation fee
  • Decision within minutes