Bad Credit

Credit Cards For Bad Credit

Your credit not where you’d like it to be? Been turned down for a credit card because of your bad credit?  Don’t despair, there are many bad credit credit cards issued by major credit card companies and you can use them just like any other credit card.  In addition most of these credit card issuers report to credit bureaus monthly, so those with limited credit or bad credit can rebuild and improve their credit rating as each month passes by.

So take a look at card offers designed to help you rebuild your credit and improve your score. Make sure to pay on time and keep a low balance (relative to your credit limit) and this may improve your credit report each month.  

Applied Bank® Unsecured Classic Visa® Card

Credit Recommended

Poor/Damaged Credit

Apply Now

  • Regular APR: 29.99%
  • Late Payment Fee: Up to $38
  • Return Payment Fee: Up to $38
  • Card Brand: Visa®
  • Annual Fee: See website for Details*
  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATMs and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Wont Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments

BOOST Platinum Card

Credit Recommended

Damaged credit to Fair credit

Apply Now

  • Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR: None
  • Monthly Fee: $177.24 annually ($14.77 per month)
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check

Milestone® Mastercard®

Credit Recommended

Fair/Good

Apply Now

  • Regular APR: See terms
  • Annual Fee: See terms
  • Card Brand: Mastercard
  • Credit Limit: $700
  • Cash Advance Fee: See terms
  • Foreign Trans Fee: 1% of each transaction in U.S. dollars.
  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, youll receive the Mastercard Guide to Benefits that details the complete terms with your card.

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended

No credit, Poor, Fair

Apply Now

  • Regular APR: 29.99% (variable)
  • Annual Fee: $0
  • Credit Line: $300-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 29.99% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

OpenSky® Secured Visa® Credit Card

Credit Recommended

Poor

Apply Now

  • Regular APR: 25.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 25.64% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Upgrade Select Visa®

Credit Recommended

See website for Details*

Apply Now

  • Annual Fee: $39
  • Intro Purchase APR: N/A
  • Regular APR: 21.96% -29.99%
  • Intro Transfer APR: N/A
  • Cash Advance APR: N/A
  • Cash Advance Fee: N/A
  • Late Payment Fee: $0
  • Penalty APR: N/A
  • Regular Transfer APR: 21.96% -29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Trans Fee: Up to 5%
  • Return Payment Fee: $0
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Mobile app to access your account anytime, anywhere

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended

Poor/Fair/Limited/Damaged

Apply Now

  • Regular APR: 9.99% Fixed
  • Annual Fee: $48
  • Credit Line: $200 - $1,000
  • Brand Name: Visa®
  • Security Deposit: $200 - $1,000
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

Destiny Mastercard®

Credit Recommended

Poor to Good

Apply Now

  • Regular APR: See terms
  • Annual Fee: See terms
  • Brand Name: Mastercard
  • Credit Limit: $700
  • Cash Advance Fee: See terms
  • Foreign Trans Fee: 1% of each transaction in U.S. dollars.
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!

Group One Platinum Card

Credit Recommended

Damaged/Fair

Apply Now

  • Credit Limit: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR: 0% APR
  • Monthly Fee: See website for Details*
  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

Freedom Gold Card

Credit Recommended

Damage credit to Fair credit

Apply Now

  • Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Monthly Fee: See website for Details*
  • Regular APR: 0% APR
  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK

*See site for details

Net First Platinum

Credit Recommended

Damaged credit to Fair credit

Apply Now

  • Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR: 0% APR
  • Monthly Fee: See website for Details*
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

*See Card for Details

Here are Cards our Visitors like the Most

First Progress Platinum Prestige Mastercard® Secured Credit Card

Credit Recommended

Poor/Limited/No Credit

Apply Now

  • Regular APR: 15.24% (V)
  • Annual Fee: $49
  • Credit Line: $2,000
  • Cash Advance APR: 24.24% (V)
  • Rewards Rate: 1% Cash Back
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Reflex® Platinum Mastercard®

Credit Recommended

Fair/Poor/Bad/Limited

Apply Now

  • Regular APR: 29.99% APR (Variable)
  • Credit Limit: up to $1,000
  • Annual Fee: $75 - $125
  • Late Payment Fee: Up to $41.00
  • Return Payment Fee: Up to $41.00
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10 per month). Monthly maintenance fee not billed for the first
  • Additional Card Fee: $30 (one time, if applicable)
  • Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Trans Fee: 3% of each transaction in U.S. dollars
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Surge® Platinum Mastercard®

Credit Recommended

See website for Details*

Apply Now

  • Regular APR: 29.99% APR (Variable)
  • Late Payment Fee: Up to $41.00
  • Return Payment Fee: Up to $41.00
  • Intro Rate: See website for Details*
  • Intro Period: See website for Details*
  • Annual Fee: $75 - $125
  • Balance Transfer: See website for Details*
  • Intro (Purchases): See website for Details*
  • Intro (Balance Transfers): See website for Details*
  • Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10 per month). Monthly maintenance fee not billed for the first
  • Additional Card Fee: $30 (one time, if applicable)
  • Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Trans Fee: 3% of each transaction in U.S. dollars
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required