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Credit Cards for People with Bad Credit |
The following Credit Cards are for People with Bad Credit or less than perfect credit. These cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits. Choose from both secured and unsecured credit card offers below.
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Search through the Credit Cards for people with bad credit below.
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Compare offers side by side in order to determine which card is best for you.
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Apply for the Credit Card of your choice by filling out a secure online application.
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First PREMIER Bank Gold MasterCard® |
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- Receive a 5% credit to your account balance on all payments for 12 months*
- Credit decisions in less than 60 seconds!*
- Low APR on Purchases*
- Reports monthly to 4 Major Credit Bureaus
- Enjoy the benefit of 24 hour account access by phone
- Prestige of a Gold Card
- See application for complete terms & conditions*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
9.9%* |
$48.00* |
N/A* |
Bad Credit OK* |
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First PREMIER Classic Card |
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- Credit decisions in less than 60 seconds!
- You may qualify for a MasterCard® or Visa®.
- Low APR on Purchases*
- Reports monthly to 4 Major Credit Bureaus*
- Enjoy the benefit of 24 hour account access by phone*
- See application for complete terms & conditions*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
9.9%* |
$48.00* |
N/A* |
Bad Credit OK* |
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Orchard Bank Classic Mastercards |
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- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
6 months* |
as low as 7.90%* |
$0-$79* |
Yes* |
Bad Credit OK* |
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Centennial Visa or MasterCard® from First PREMIER Bank |
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- Credit decisions in less than 60 seconds!
- Low APR on Purchases*
- Reports monthly to 4 Major Credit Bureaus
- Enjoy the benefit of 24 hour account access by phone
- See application for complete terms & conditions*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
9.9%* |
$48.00* |
N/A* |
Bad Credit OK* |
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Centennial Gold MasterCard® from First PREMIER Bank |
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- Credit decisions in less than 60 seconds!
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
- Low APR on Purchases*
- Reports monthly to 4 Major Credit Bureaus
- Enjoy the benefit of 24 hour account access by phone
- The Prestige of a Gold Card
- See application for complete terms & conditions*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
9.9%* |
$48.00* |
N/A* |
Bad Credit OK* |
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Continental Finance MasterCard® |
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- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- No Minimum Monthly Income Requirements
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
19.92%* |
$50.00* |
N/A* |
Bad Credit OK* |
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Orchard Bank Low APR Mastercards |
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- 8.9% variable purchase APR on all cards
- Free standard Online Bill Pay, no matter how often you use it
- Your choice of payment due dates to make paying your bill on time easier with online enrollment
- Email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
as low as 7.90%* |
$5-$8* |
N/A* |
Limited OK* |
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Prepaid Debit Cards for People with Bad Credit |
The following Prepaid Debit Card offers can be well suited for people with bad credit or less than perfect credit. Compare offers side by side and apply for the Prepaid Debit Card of your choice.
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AccountNow® Prepaid Visa® Card |
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- $0 ACTIVATION FEE – when you load your card by direct deposit
- 100% Guaranteed Approval*
- Free Credit Builder†
- Free Online Check Writing
- Free Direct Deposit
- No Overdraft Fees or Minimum Balance Required
- Re-loadable with a $10,000 balance limit
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$4.95 |
N/A* |
Bad Credit OK* |
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Vision Premier Prepaid Visa Card (Free with Direct Deposit) |
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- $0 WEEKLY FEE – with Direct Deposit!
- $0 ACTIVATION FEE – with Direct Deposit*
- Guaranteed approval† with no credit check
- FREE unlimited purchase transactions
- FREE Direct Deposit – no more check cashing fees
- FREE Account Alerts – email and/or SMS text messages
- Pay any bill: rent, cellular phone, insurance, utilities, etc.
- Load cash at over 100,000 participating retail locations
- Take Control - no late fees, no interest, no NSF fees
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$0.95 weekly or free w/ direct deposit* |
N/A* |
Bad Credit OK* |
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Bank Freedom Prepaid MasterCard® |
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- $0 ACTIVATION FEE - No CONDITIONS!
- $0 MONTHLY FEE with Direct Deposit!
- COMPARE our LOW FEES and SAVE MONEY
- 100% Guaranteed Approval* - No Credit Check
- FREE Unlimited Purchase Transactions
- FREE Customer Service- Compare and Save Money
- FREE Direct Deposit - No more check cashing fees
- FREE Card Account Alerts - email and/or SMS text messages
- NO Late Fees, NO Interest Fees, NO NSF Fees
- Pay any bill from card account: rent, phone, utilities, etc
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
None* |
N/A* |
Bad Credit OK* |
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All-Access Visa Prepaid Card |
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- AS SEEN IN STORES NATIONWIDE!
- Free (5% APR) savings account - EXCLUSIVE!
- Free 2-way text message alerts - EXCLUSIVE!
- Free mobile phone money transfers - EXCLUSIVE!
- Get cards for other users – EXCLUSIVE!
- Refer-a-Friend and you both get paid - EXCLUSIVE!
- Direct deposit - get paid fast
- Unlimited purchase transactions & online bill pay
- Cash load up to $10,000 at over 65,000 locations
- NO credit check, overdraft fees or minimum balances
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
up to $9.95* |
N/A* |
Bad Credit OK* |
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AccountNow® Vantage Prepaid MasterCard® |
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- iAdvance loan option, no credit check needed.
- $0 ACTIVATION FEE - when you load your card by direct deposit
- 100% Guaranteed Approval*
- Free Credit Builder
- Free Online Bill Pay
- Free Direct Deposit
- No Overdraft Fees or Minimum Balance Required
- Re-loadable with a $10,000 balance
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| Intro APR |
Intro APR Period |
Regular APR |
Monthly Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$4.95* |
N/A* |
Bad Credit OK* |
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All-Access Prepaid MasterCard |
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- NO MONTHLY fee (ideal for occasional use)
- 100% approved with no credit check
- No upfront payment and no minimum balance
- $10,000 reload capacity nationwide
- No bounced checks or overdraft fees
- No bank account required
- Free Account Alerts
- Choice of GOLD or BLACK designs
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
N/A* |
$0* |
N/A* |
Bad Credit OK* |
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Secured Credit Cards |
Following is a list of Secured Credit Cards. A Secured Credit Card opens a savings account as security for your line of credit.
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Orchard Bank Secured MasterCards |
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- Perfect for establishing or rebuilding credit in your name
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated at your fingertips 24/7 so you can manage it your way
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
7.90%* |
$35.00 waived the first year* |
N/A* |
Bad Credit OK* |
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New Millennium Bank Secured Platinum Visa® or MasterCard® |
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- Guaranteed Issue*
- Complimentary online services for account management and payments
- No credit check*
- Be approved regardless of income or credit history*
- Reports to the three major credit bureaus
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
19.50%* |
$59.00/yr.* |
Yes* |
Bad Credit OK* |
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UltraVX Visa® |
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- Credit-On Demand™: up to $25,000 credit line—Patent Pending
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™: American Airlines, Southwest, jetBlue, Marriot, and more…no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Monthly Fee |
Balance Transfers |
Credit Needed |
| N/A* |
N/A* |
14.90%* |
$83.40* |
$6.95* |
N/A* |
Bad Credit OK* |
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* See the online credit cards for people with bad credit applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on the credit card issuer's web site.
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