Credit Cards for Bad Credit Credit Cards - ApplyNowCredit.com

Credit Cards for Bad Credit

There’s nothing more frustrating than learning that you have bad credit, as this can bring a number of financial challenges into your life. Rather than give up, it’s time to begin your search for credit cards for bad credit. There are secured and unsecured offers to choose from, both of which are available through a variety of credit card issuers. If you have bad credit and need to make a change for the better, search through our list of credit cards for bad credit.

Credit Cards for Bad Credit

Revvi Card

Fast and easy application; response provided in seconds

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : See website for Details
  • Rewards : Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Annual Fee : $75 1st year, $48 after*
  • Regular APR : 34.99%*
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Total Visa® Card

Fast and easy application process; response provided in seconds

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Fair/Bad
  • Rewards : n/a
  • Annual Fee : See Terms
  • Regular APR : See Terms
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Destiny Mastercard® Cashback Rewards

Earn 1.5% cashback rewards on all of your eligible purchases!

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Poor to Good
  • Rewards : Earn 1.5% cashback rewards on all of your eligible purchases
  • Annual Fee : $175 the first year; $49 thereafter
  • Regular APR : 35.9%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Indigo® Mastercard® Credit Card

Unsecured credit card, no security deposit required

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair/Good
  • Rewards : N/A
  • Annual Fee : $0 - $99
  • Regular APR : 24.9%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Capital One Quicksilver Secured Cash Rewards Credit Card

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

  • Rating :
  • Credit Brand : Capital One
  • Credit Needed : Limited, Bad
  • Rewards : 1.5% Cash Back on every purchase, every day
  • Annual Fee : 0.00
  • Regular APR : 28.49% (Variable)
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

First Digital Mastercard®

Easy and secure online application – It takes just moments to apply.

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : See website for Details*
  • Rewards : n/a
  • Annual Fee : $75.00 for first year. After that, $48.00 annually.
  • Regular APR : 35.99%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Merrick Bank Double Your Line® Mastercard®

Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : See website for Details*
  • Rewards : n/a
  • Annual Fee : $0-$72
  • Regular APR : 23.20% to 30.20% *Variable
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

FIT® Platinum Mastercard®

Fast & Easy Application; Results Online in Seconds

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Bad/Fair
  • Rewards : N/A
  • Annual Fee : See Terms*
  • Regular APR : See Terms*
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Zebit – Buy Now & Pay Over Time

Get a Max of $1500 in Credit to Shop Zebit!

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Poor to Good
  • Rewards : n/a
  • Annual Fee : 0.00
  • Regular APR : See website for Details*
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Net First Platinum

$750.00 Line of Credit*

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged credit to Fair credit
  • Rewards : N/A
  • Annual Fee : See website for Details*
  • Regular APR : 0.00%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

PREMIER Bankcard® Grey Credit Card

Just complete the short application and find out in 60 seconds if you’re approved

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair/Poor
  • Rewards : n/a
  • Annual Fee : See Provider Website
  • Regular APR : See Provider Website
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Destiny Mastercard®

Less than perfect credit is okay, even with a prior bankruptcy!

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Poor to Good
  • Rewards : n/a
  • Annual Fee : See Terms
  • Regular APR : 24.9%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

GO2bank

Overdraft protection up to $200 with opt-in and eligible direct deposit*

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : All Credit Types Considered
  • Rewards : Earn up to 7% cash back when you buy eGift Cards in the app
  • Annual Fee : $0.00
  • Regular APR : n/a
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Milestone® Mastercard® – Less Than Perfect Credit Considered

Don't have perfect credit? No problem!

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Poor/Bad
  • Rewards : n/a
  • Annual Fee : $35 - $99*
  • Regular APR : 24.9%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards for Bad Credit

Petal® 1 “No Annual Fee” Visa® Credit Card

$300 - $5,000 credit limits

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Fair/Bad/Limited/No Credit
  • Rewards : 2% - 10% cash back at select merchants
  • Annual Fee : $0
  • Regular APR : 22.99% - 32.49% Variable
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Additional Resources

Credit Spotlight: Milestone® Mastercard®

There was a time when a challenging credit history would stop you dead in your tracks. While bad credit or no credit isn’t your desire, things happen in your life that can lead you down this path. Fortunately, there are more credit card products available today than ever before — many of which are designed for individuals in your situation. Apply Now The Milestone® Mastercard® is designed for people with poor credit or no credit history. It’s not the type
Continue Reading »

Credit Spotlight: Zebit – Buy Now & Pay Over Time

There may come a time when you need to make a purchase that you can’t afford to pay for in full. In this case, you may turn your immediate attention to a credit card. While that’s an option, don’t get ahead of yourself. Instead, learn more about Zebit. Zebit is an online marketplace with “buy now and pay over time” options. It’s similar to using a credit card as you don’t need all the money for the purchase upfront. It’s
Continue Reading »

Credit Spotlight: Aspire® Cash Back Reward Card

It’s not always easy to decide where to start your financial journey. And that’s especially true when it comes to choosing a credit card. Fortunately, offers like the Aspire® Cash Back Reward credit card are available. Here’s how Aspire® — a credit card issued by The Bank of Missouri — describes its cash back credit card: Take the first step on your financial journey with Aspire®. With just a few clicks, you can enter your acceptance code and request your
Continue Reading »

Your FICO Score and Getting the Best Credit Card

Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
Continue Reading »

Choose the Right Credit Card for Your Credit Score

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
Continue Reading »

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6 Things To Do If You Have a Bad Credit Score

If you find that you have a bad credit score, such as after applying for a loan, it’s natural to feel dejected. While you’ve made some mistakes in the past, there’s something to remember: you can make changes for the better in the future. It takes time to boost your credit score, but with the right strategy in place you can begin to make progress in the near future.

Here are six things to do if you have a bad or low credit score:

1. Check Your Credit Report for Accuracy

Believe it or not, there could be at least one mistake on your credit report that’s dragging down your score. By reviewing your report for accuracy, you can pinpoint any mistakes and then bring them to the attention of the appropriate credit bureau(s).
It’ll take some time to review every last detail of your credit report, but it’s better to be safe than sorry.

2. Pinpoint Your Mistakes

What’s the reason for your bad credit score? Maybe you’ve defaulted on several loans in the past. Or maybe you’re in the habit of paying your bills a couple months late.
You can’t do anything to change the past, but you can pinpoint your mistakes with the idea of avoiding them in the future.
Don’t be afraid of what you’ll find. Own up to your mistakes and vow to never let them impact your credit score again.

3. Create a Budget

Do you know how much money you earn every month? Do you know how much money you spend?
With a budget in place, it’s much easier to avoid financial mistakes that impact your credit score.
Tip: review and change your budget as necessary, as your income and expenses aren’t likely to stay the same forever.

4. Continue to Use Credit

A bad credit score may force you to believe that you should cancel all your credit cards and avoid new loans. While you don’t want to bite off more than you can chew, it’s a mistake to run the other direction.
Using a credit card is a great way to improve your score, as long as you make minimum payments as required.
Just the same, you can improve your credit score by securing and paying on installment loans, such as an auto loan.

5. Don’t Go Crazy With Credit Applications

As noted above, using credit is one of the better ways to show that you’re a responsible consumer.
Unfortunately, if you go overboard in regards to credit applications, it can bring down your score.
There’s nothing wrong with applying for one credit card or loan every now and again, but too many hard inquiries is a big no-no.

6. Give Yourself Time

You want nothing more than to rid yourself of a bad credit score, but setting an unrealistic goal will only make things worse.
It can take many months to see positive results, so give yourself all the time you need to reach your goals.
Setting unrealistic goals can lead to disappointment, which may result in you giving up despite the fact that you’re on the right track.

Conclusion

A bad credit score doesn’t have to follow you for the rest of your life. When you take these six steps, you’ll find yourself making progress and closing in on a better score.


Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

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