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.

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First Access Visa® Card
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First Access Visa® Card
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  • 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
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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®
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Capital One® Secured Mastercard®
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  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
Intro APR
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N/A N/A N/A N/A 26.99% (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.