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

Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score

Rating

Credit Brand Mastercard
Credit Needed

Fair

Annual Fee

see terms

Regular Purchase APR

25.90% - 29.99%

Rewards

N/A

Bad Credit

Indigo® Platinum Mastercard® Credit Card

Rating

Credit Brand Mastercard
Credit Needed

Poor

Annual Fee

$0 - $99

Regular Purchase APR

24.9%

Rewards

N/A

Bad Credit

Surge Mastercard® Credit Card

See if you’re Pre-Qualified without impacting your credit score

Rating

Credit Brand Mastercard
Credit Needed

Bad

Annual Fee

see terms

Regular Purchase APR

25.90% - 29.99%

Rewards

N/A

Bad Credit

Destiny Mastercard®

All the benefits of a Mastercard, without a security deposit

Rating

Credit Brand Mastercard
Credit Needed

Poor to Good

Annual Fee

$59-$99

Regular Purchase APR

24.9%

Rewards

n/a

Bad Credit

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Rating

Credit Brand Mastercard
Credit Needed

Poor

Annual Fee

see terms

Regular Purchase APR

29.99%

Rewards

N/A

Bad Credit

Total Visa® Card

Get a Response in Seconds

Rating

Credit Brand Visa
Credit Needed

Poor

Annual Fee

See Terms

Regular Purchase APR

See Terms

Rewards

n/a

Bad Credit

Net First Platinum

Instant Approval / $500 Credit Line!

Rating

Credit Brand Other
Credit Needed

Poor

Annual Fee

see terms

Regular Purchase APR

0.00%

Rewards

N/A

Bad Credit

First Access Visa® Card

Rating

Credit Brand Visa
Credit Needed

Bad

Annual Fee

see terms

Regular Purchase APR

see terms

Rewards

n/a

Bad Credit

5kFunds

All Credit Types Accepted

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular Purchase APR

5.99% to 35.99%

Rewards

n/a

Bad Credit

First Digital Mastercard®

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

Rating

Credit Brand Mastercard
Credit Needed

Poor

Annual Fee

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

Regular Purchase APR

35.99%

Rewards

n/a

Bad Credit

Indigo® Mastercard® for Less than Perfect Credit

Rating

Credit Brand Mastercard
Credit Needed

Fair

Annual Fee

$0 - $99

Regular Purchase APR

24.9%

Rewards

N/A

Bad Credit

Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay

Rating

Credit Brand Mastercard
Credit Needed

Fair

Annual Fee

$0 - $99

Regular Purchase APR

24.9%

Rewards

N/A

Bad Credit

First Access Visa® Card

Rating

Credit Brand Visa
Credit Needed

Bad

Annual Fee

see terms

Regular Purchase APR

see terms

Rewards

n/a

Bad Credit

Loan Pioneer

CASH AS SOON AS NEXT BUSINESS DAY

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular Purchase APR

5.99% to 35.99%

Rewards

n/a

Bad Credit

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit

Rating

Credit Brand Mastercard
Credit Needed

Fair

Annual Fee

$35 - $99*

Regular Purchase APR

24.9%

Rewards

n/a

Bad Credit

LoansUnder36

All Credit Types Accepted

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular Purchase APR

5.99% to 35.99%

Rewards

n/a

Bad Credit

BadCreditLoans.com

Rating

Credit Brand Other
Credit Needed

Bad

Annual Fee

0.00%

Regular Purchase APR

From 5.99% to 35.99%

Rewards

n/a

Bad Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Absolutely No Credit Check or Minimum Credit Score Required

Rating

Credit Brand Visa
Credit Needed

Limited

Annual Fee

$48.00

Regular Purchase APR

9.99%

Rewards

N/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.

General Disclaimer

Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, 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).

Editorial Note

Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

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