Bad Credit

Are you having trouble being approved for a new credit card?

UK Residents: Visit our UK Bad Credit section

Individuals with poor credit often find it difficult to get approved for regular credit cards. If you have a low credit score, limited credit history, or no credit history at all, rest assured we will help you find the perfect card for your situation. Even though it generally takes seven years to remove undesirable marks from your credit report, you can get a head start today with one of the credit cards below.

Each featured card in our Bad Credit Credit Card section is a credit card specifically designed by reputable companies for people with bad credit. These bad credit credit cards will provide you with the best chance of being approved and getting your credit back on the right track.

Try our Fair Credit Credit Cards section if you think your credit is too good for Bad Credit credit cards but not quite good enough for the Good Credit credit cards.

Orchard Bank Classic MasterCard®

  • Strengthen Your Credit
  • Reports to All 3 Credit Bureaus
  • Free online management tools
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
As low as 14.9% $0 $49.00 Yes Bad Credit OK

Orchard Bank Low APR Platinum MasterCard®

  • Monthly credit bureau reporting
  • Build or rebuild credit
  • Periodic credit limit increases
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
8.90% $19.00 $79.00 Yes Bad Credit OK

Tribute® Gold MasterCard® Credit Card

  • Low credit score OK!
  • Reports to the Major Credit Bureaus
  • Quick Online Decision
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.50% $0 $150.00 Yes Bad Credit OK

New Millennium Bank Secured Platinum Visa® or MasterCard® Card

  • Guaranteed Approval
  • Reports to 3 Major Credit Bureaus
  • Up to $5,000 credit limit
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.50% $99.95 $59.00 Yes Bad Credit OK

Black Diamond Card by New Millennium Bank

new millenium bank black diamond guaranteed approval bad credit card
  • Reports to Major Credit Bureaus
  • Guaranteed Approval
  • Less Than Perfect Credit OK
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.50% $0 $59.00 Yes Bad Credit OK

Eufora Elite Credit Builder Prepaid MasterCard

  • Credit Builder
  • Zero Liability
  • Earn Referral Cash!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A $0 $99.95 Yes Bad Credit OK

Eufora Prepaid MasterCard

eufora prepaid mastercard debit card
  • Credit Builder
  • Zero Liability
  • Guaranteed Approval
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A $19.95 $59.95 Yes Bad Credit OK

First PREMIER Bank Gold Visa/MasterCard Credit Card

  • Low APR on Purchases
  • MasterCard
  • Instant Decision!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
9.90% $29.00 $48.00 Yes Bad Credit OK

First PREMIER Bank Visa/MasterCard Credit Card

  • Low APR on Purchases
  • MasterCard Card
  • Quality customer service
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
9.90% $29.00 $48.00 Yes Bad Credit OK

First PREMIER Bank Centennial Gold Visa/MasterCard Credit Card

  • Monthly Credit Bureau Reporting
  • Instant Decision
  • Low apr on purchases
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
9.90% $29.00 $48.00 Yes Bad Credit OK

First PREMIER Bank Centennial Visa/MasterCard Credit Card

  • Low APR on Purchases
  • Monthly Credit Bureau Reporting
  • Choose from Visa or MasterCard
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
9.90% $29.00 $48.00 Yes Bad Credit OK

Platinum Plus Catalog Credit Card

platinum plus shopping credit card rebuild credit
  • $7,500 Merchandise
  • Credit Line
  • No Credit Checks
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
0% $149.95 $0 Yes Bad Credit OK

USA Platinum Catalog Credit Card

usa platinum shopping credit card rebuild credit
  • $7,500 Merchandise
  • Credit Line
  • No Credit Checks
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
0% $149.95 $0 Yes Bad Credit OK

READYdebit™ Card

READYdebit prepaid card
  • Less Fees Than Any Prepaid Card
  • No Credit Checks
  • No Interest Charges!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A $10.00 $60.00 Yes Bad Credit OK

Total Visa® Credit Card for People with Bad Credit

total visa bad credit credit card instant approval
  • Bad Credit OK
  • Monthly Credit Bureau Reporting
  • Instant Decision
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.92% $0 $48.00 Yes Bad Credit OK

Discover® Student Clear Student Credit Card

  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
16.99% $0 $0 Yes Bad Credit OK

Discover® Student Credit Card

  • No Annual Fee
  • Up to 5% rebate
  • Online Bill Payment
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
16.99% $0 $0 Yes Bad Credit OK

Discover® Student Tropical Beach Student Credit Card

  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
16.99% $0 $0 Yes Bad Credit OK

The Prepaid Baby Phat Rushcard

prepaid baby phat rushcard
  • Everyone Approved*
  • No Hidden Fees
  • Access Your Money Anytime Anywhere!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A $19.95 $0 No Bad Credit OK

The Prepaid Visa Rushcard

prepaid visa rushcard
  • Everyone Approved*
  • No Hidden Fees
  • Access Your Money Anytime Anywhere!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A $19.95 $0 No Bad Credit OK

Wired Plastic Prepaid Debit Card

Wired Plastic prepaid card
  • Wired Plastic
  • No Credit Checks
  • No Interest Charges!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A $9.95 $39.95 Yes Bad Credit OK

Citi Drivers Edge for College Student Credit Card

citi drivers edge student credit card
  • 0% Intro APR
  • No Annual Fee
  • Online Account Mgmt
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
14.99% $0 $0 Yes Bad Credit OK

Citi® Platinum Select® Visa® Card for College Students

citi platinum student credit card
  • Student Discounts
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
12.99% $0 $0 Yes Bad Credit OK

Continental Finance MasterCard Credit Card

  • Credit bureau reporting
  • No security deposit or minimum income requirements
  • Semi-annual credit limit increases*
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.92% $200.00 $50.00 Yes Bad Credit OK

Capital One Classic Visa UK Credit Card
For People Who Want to Strengthen Their Credit Rating

uk credit card bad credit classic visa
  • Strengthen Credit Rating
  • Credit Increases
  • Identity Theft Protection
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
34.9% £0 £0 Yes Bad Credit OK

Provident Visa Card
UK Debit Card for those with bad credit ratings

uk provident visa card debit bad credit uk
  • Bad Credit OK
  • ATM Cash Access
  • Quick and easy online application
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A £0 £0 No Bad Credit OK

Sun Prepaid MasterCard®
UK Debit Card for those with bad credit ratings

uk sun prepaid mastercard bad credit uk residents
  • Bonus with first top-up
  • Bad Credit OK
  • Use at over 25 million locations worldwide!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
N/A £0 £0 No Bad Credit OK

Vanquis Visa Card
UK Credit Card to repair bad credit

vanquis visa card credit card for bad credit
  • No Annual Fee
  • Bad Credit OK
  • Past CCJ ok
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
39.9% £0 £0 No Bad Credit OK

Guaranteed Secured MasterCard® from Capital One Canada

canadian credit cards secured for poor credit
  • Get your credit back on track
  • Roadside service
  • Low annual fee
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8% $0 $59.00 Yes Bad Credit OK

Guaranteed Secured MasterCard®: Low Rate from Capital One Canada

canadian low interest rate credit card for bad credit
  • Bad credit OK
  • Low, long-term interest rate
  • MasterCard PayPass*
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
12.9% $0 $69.00 Yes Bad Credit OK

Weekly Tips
& Tools

What's the Universal Default Clause?


Hidden deep in the small print of your credit card terms and conditions, you may find the dreaded policy known as the "Universal Default Clause". This clause gives credit...

Read More

Credit Card
Search Tool

Featured
Articles

How to Choose and Use a Balance Transfer Credit Card


Advertisements promoting zero-percent balance transfer offers can look quite appealing when high-interest credit card debt is keeping you up at night. What could be better than transferring your debt...

Read More