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 If approved, pay a Program Fee and you can access the $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® Secured Mastercard® Apply Now 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 Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit 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 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 26.74% (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® Secured Mastercard® Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR N/A Intro Period N/A Regular APR 26.74% (Variable) Balance Transfer Rates Intro APR N/A Intro Period N/A Regular APR 26.74% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 26.74% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee $0 Balance Transfer Fee Details $0 Additional Fees & Penalties Maximum Late Fee Up to $39 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $10 Foreign Transaction Fee None One Time Setup Fee