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.
Bad Credit
Reflex Mastercard®
See if you’re Pre-Qualified with no impact to your credit score
Credit Brand Mastercard
Fair
Annual Feesee terms
25.90% - 29.99%
RewardsN/A
Bad Credit
Indigo® Platinum Mastercard® Credit Card
Credit Brand Mastercard
Poor
Annual Fee$0 - $99
24.9%
RewardsN/A
Bad Credit
Surge Mastercard® Credit Card
See if you’re Pre-Qualified without impacting your credit score
Credit Brand Mastercard
Bad
Annual Feesee terms
25.90% - 29.99%
RewardsN/A
Bad Credit
Destiny Mastercard®
Get access to the credit you need, no deposit required
Credit Brand Mastercard
Poor to Good
Annual Fee$59-$99
24.9%
Rewardsn/a
Bad Credit
FIT Mastercard®
Fast & Easy Application; Results Online in Seconds
Credit Brand Mastercard
Poor
Annual Feesee terms
29.99%
RewardsN/A
Bad Credit
Total Visa® Card
Get a Response in Seconds
Credit Brand Visa
Poor
Annual FeeSee Terms
See Terms
Rewardsn/a
Bad Credit
Net First Platinum
Instant Approval / $500 Credit Line!
Credit Brand Other
Poor
Annual Feesee terms
0.00%
RewardsN/A
Bad Credit
First Access Visa® Card
Credit Brand Visa
Bad
Annual FeeSee Terms
See Terms
Rewardsn/a
Bad Credit
Applied Bank® Unsecured Classic Visa® Card
Credit Brand Visa
Bad/Poor
Annual Fee*See Terms
*See Terms
Rewardsn/a
Bad Credit
5kFunds
All Credit Types Accepted
Credit Brand Other
Good/Fair/Bad
Annual Fee$0.00
5.99% to 35.99%
Rewardsn/a
Bad Credit
First Digital Mastercard®
Easy and secure online application – It takes just moments to apply.
Credit Brand Mastercard
Poor
Annual Fee$75.00 for first year. After that, $48.00 annually.
35.99%
Rewardsn/a
Bad Credit
Indigo® Mastercard® for Less than Perfect Credit
Credit Brand Mastercard
Fair
Annual Fee$0 - $99
24.9%
RewardsN/A
Bad Credit
Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay
Credit Brand Mastercard
Fair
Annual Fee$0 - $99
24.9%
RewardsN/A
Bad Credit
First Access Visa® Card
Credit Brand Visa
Bad
Annual Feesee terms
see terms
Rewardsn/a
Bad Credit
Loan Pioneer
CASH AS SOON AS NEXT BUSINESS DAY
Credit Brand Other
Good/Fair/Bad
Annual Fee$0.00
5.99% to 35.99%
Rewardsn/a
Bad Credit
Milestone® Mastercard® – Unsecured For Less Than Perfect Credit
Credit Brand Mastercard
Fair
Annual Fee$35 - $99*
24.9%
Rewardsn/a
Bad Credit
LoansUnder36
All Credit Types Accepted
Credit Brand Other
Good/Fair/Bad
Annual Fee$0.00
5.99% to 35.99%
Rewardsn/a
Bad Credit
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Enjoy 0% APR on Purchases for Six Months!
Credit Brand Mastercard
Limited
Annual Fee49.00
12.99% (Variable)
Rewardsn/a
Bad Credit
BadCreditLoans.com
Credit Brand Other
Bad
Annual Fee0.00%
From 5.99% to 35.99%
Rewardsn/a
Bad Credit
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Absolutely No Credit Check or Minimum Credit Score Required
Credit Brand Visa
Limited
Annual Fee$48.00
9.99%
RewardsN/A
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.
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