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.

Apply Online for Credit Card Offers for Bad Credit

First Access Visa® Card
Apply Now
First Access Visa® Card
Write a Review
Read Reviews
Learn More
  • Checking Account Required
  • 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
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
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
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.
   


Total VISA® Unsecured Credit Card
Apply Now
Total VISA® Unsecured Credit Card
Write a Review
Read Reviews
Learn More
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
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*
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.
   

Capital One® Secured Mastercard®
Apply Now
Capital One® Secured Mastercard®
Write a Review
Read Reviews
Learn More
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
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 24.99% (Variable) $0
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.
   

Surge Mastercard® Credit Card
Apply Now
Surge Mastercard® Credit Card
Write a Review
Read Reviews
Learn More
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
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*
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.