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
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • Issued by The Bank of Missouri
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* 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.