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.

Bad Credit

Revvi Card

Fast and easy application; response provided in seconds

Rating

Credit Brand Visa®
Credit Needed

See website for Details*

Annual Fee

$75 1st year, $48 after

Regular APR

34.99%

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

See if you are pre-approved within minutes, without affecting your credit score

Rating

Credit Brand Visa®
Credit Needed

See website for Details*

Annual Fee

$0-$72

Regular APR

19.45% to 28.45% *Variable

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process!

Rating

Credit Brand Visa®
Credit Needed

Poor/Limited

Annual Fee

*See Terms

Regular APR

*See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Mission Lane Visa® Credit Card

Instant decision on your application

Rating

Credit Brand Visa®
Credit Needed

Fair

Annual Fee

$59.00

Regular APR

29.99% (Variable)

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

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

$500-$5,000 credit limits

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad/Limited/No Credit

Annual Fee

$0

Regular APR

19.99 - 29.49% Variable

Rewards

2%-10% cash back at select merchants

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Indigo® Platinum Mastercard® Credit Card

Unsecured credit card, no security deposit required

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Good

Annual Fee

$0 - $99

Regular APR

24.9%

Rewards

N/A

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Surge Mastercard® Credit Card

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

24.99% - 29.99% APR

Rewards

N/A

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

First PREMIER® Bank Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Poor

Annual Fee

See Issuer Website

Regular APR

See Issuer Website

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Destiny Mastercard®

Get access to the credit you need, no deposit required

Rating

Credit Brand Mastercard®
Credit Needed

Poor to Good

Annual Fee

$59-$99

Regular APR

24.9%

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

29.99%

Rewards

N/A

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Reflex Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

24.99% - 29.99% APR

Rewards

N/A

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Total Visa® Card

Fast and easy application process; response provided in seconds

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad

Annual Fee

See Terms

Regular APR

See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

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*

Annual Fee

$75.00 for first year. After that, $48.00 annually.

Regular APR

35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

First PREMIER® Bank Mastercard® Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Poor

Annual Fee

See Issuer Website

Regular APR

See Issuer Website

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

PCB Secured Visa® Credit Card

Start Building Your Future Today!

Rating

Credit Brand Visa®
Credit Needed

Good/Limited Credit

Annual Fee

$39*

Regular APR

18.90% (fixed)*

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Milestone® Mastercard® – Less Than Perfect Credit Considered

Rating

Credit Brand Mastercard®
Credit Needed

Poor/Bad

Annual Fee

$35 - $99*

Regular APR

24.9%

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Credit One Bank® Platinum Visa®

With $0 Fraud Liability, you won’t be responsible for unauthorized charges

Rating

Credit Brand Visa®
Credit Needed

Bad/Fair/Good

Annual Fee

$39

Regular APR

23.99% Variable

Rewards

See Details

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

With $0 Fraud Liability, you won’t be responsible for unauthorized charges

Rating

Credit Brand Visa®
Credit Needed

Bad/Fair

Annual Fee

$75/$99

Regular APR

23.99% Variable

Rewards

See Details

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Net First Platinum

Instant Approval / $750 Credit Line!

Rating

Credit Brand Other
Credit Needed

Damaged credit to Fair credit

Annual Fee

See website for Details*

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Bad Credit

Merrick Bank Secured Visa® from Merrick Bank

Initial deposits can be from $200 to $3,000

Rating

Credit Brand Visa®
Credit Needed

Any Credit Welcome

Annual Fee

$36 for first year. Billed $3 per month thereafter

Regular APR

17.45% Variable

Rewards

n/a

Full Details

Card Page

Updated for

Sat 23 Oct 2021

Additional Resources

Credit Spotlight: Applied Bank® Unsecured Classic Visa® Card

It’s not easy to obtain a credit card if you have bad credit or no credit. This is even more so the case if you’re interested in an unsecured (no security deposit required) credit card. Fortunately, you have plenty of options, with the Applied Bank® Unsecured Classic Visa® Card at the top of the list. Not only is this an unsecured credit card, but it’s backed by Applied Bank and powered by Visa. Features and Benefits of the Applied Bank®
Continue Reading »

4 Ways to Get a Higher Limit on Your Credit Card

4 Ways to Get a Higher Limit on Your Credit Card There may come a time when you realize that your current credit card limit is not high enough. Here are some tips to get a higher limit. Getting a higher credit limit sounds like a great idea, but it’s important to understand the risks. If you pay your bill in full every month, increasing your credit limit can provide you with additional spending flexibility. Furthermore, with a higher limit
Continue Reading »

Comparing Credit Cards? 5 Questions to Answer

With hundreds upon hundreds of credit card offers to choose from, you should be able to find one that suits your financial situation and goals. Conversely, with so many to consider, it can take a good amount of time to learn what each one has to offer. The best way to successfully compare credit cards is to answer these five questions for each offer you’re considering: 1. What makes it stand out from the crowd? Even when two credit card
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 »

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.

Credit Card Guides

ApplyNowCredit is always looking for the best and most efficient way to making the credit card comparison process a hassle free experience. Below you will find our most popular credit card guides.


Types of Credit Cards

Types of Credit Cards


Choosing a Credit Card

Choosing a Credit Card


Fico Scores

FICO Scores


Credit Cards for Business

Business Credit


Credit Card Offers

Credit Card Offers


The Best Credit Cards

The Best Credit Cards


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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