Credit Cards for Bad Credit

A credit score below 600 is considered by most lenders as a bad credit rating. If you fall into this category you will more than likely have to pay an annual fee for a revolving balance offer, or may be forced to carry a secured credit card. There are a few different options for those with bad credit for those who have ruled out the secured card option. Unfortunately, one of the largest sub-prime issuers (Orchard Bank) no longer serves this market as of early 2012, but there are a few different cards available from other issuers although many have annual fees that vary in size.

Bookmark Offer First Access Visa® Card Apply Now Write a Review Read Reviews Learn More 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) Issued by The Bank of Missouri Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare N/A* N/A* N/A* N/A* See Terms See Terms Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close First Access Visa® Card Termsclose Instant Approval Balance Transfers Credit Type Fair Card For Purchase Rates Intro APR N/A* Intro Period N/A* Regular APR See Terms Balance Transfer Rates Intro APR N/A* Intro Period N/A* Regular APR See Terms Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee

Bookmark Offer Capital One Platinum Secured Credit Card Apply Now Write a Review Read Reviews Learn More No annual or hidden fees. See if you're approved in seconds Building your credit? Using the Capital One Platinum Secured card responsibly could help Put down a refundable security deposit starting at $49 to get a $200 initial credit line You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Monitor your credit score with CreditWise from Capital One. It's free for everyone Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare N/A N/A N/A N/A 29.99% (Variable) $0 Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Capital One Platinum Secured Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR N/A Intro Period N/A Regular APR 29.99% (Variable) Balance Transfer Rates Intro APR N/A Intro Period N/A Regular APR 29.99% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 29.74% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee $0 at this Transfer APR Balance Transfer Fee Details $0 at this Transfer APR Additional Fees & Penalties Maximum Late Fee Up to $40 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $3 Foreign Transaction Fee None One Time Setup Fee

Bookmark Offer Capital One Quicksilver Secured Cash Rewards Credit Card Apply Now Write a Review Read Reviews Learn More No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds Put down a refundable $200 security deposit to get a $200 initial credit line Building your credit? Using a card like this responsibly could help Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Monitor your credit score with CreditWise from Capital One. It's free for everyone Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare N/A N/A N/A N/A 29.99% (Variable) $0 Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Capital One Quicksilver Secured Cash Rewards Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR N/A Intro Period N/A Regular APR 29.99% (Variable) Balance Transfer Rates Intro APR N/A Intro Period N/A Regular APR 29.99% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 29.99% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee $0 at this Transfer APR Balance Transfer Fee Details $0 at this Transfer APR Additional Fees & Penalties Maximum Late Fee Up to $40 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $3 Foreign Transaction Fee None One Time Setup Fee