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 APR

25.90% - 29.99% (Variable)

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

Indigo® Platinum Mastercard® Credit Card

Unsecured credit card, no security deposit required

Rating

Credit Brand Mastercard
Credit Needed

Poor

Annual Fee

$0 - $99

Regular APR

24.9%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Quick Tip: Applying for Credit Card

Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if intend to carry a balance.

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 APR

25.90% - 29.99% (Variable)

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

Net First Platinum

Instant Approval / $750 Credit Line!

Rating

Credit Brand Other
Credit Needed

Damaged/Fair

Annual Fee

See website for Details*

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Quick Tip: Check Your Credit Score

When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Check out is this great article on the topic.

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

Up to 10% cash back from select merchants

Full Details

Card Page

Updated for

Thu 21 Jan 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

Thu 21 Jan 2021

Quick Tip: Secured vs. Unsecured Credit Cards

With a secured credit card, you’re required to make a cash deposit in order to use the card. This deposit acts as your collateral and credit limit. A secured credit card is typically for consumers with no credit or bad credit. An unsecured credit card is the more traditional of the two, as it doesn’t require a deposit to get started. Instead, your credit limit is based on your credit score, credit history, and income.

Bad Credit

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Rating

Credit Brand Mastercard
Credit Needed

Poor

Annual Fee

see terms

Regular APR

29.99%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

Total Visa® Card

Get a Response in Seconds

Rating

Credit Brand Visa
Credit Needed

Fair/Bad Credit

Annual Fee

See Terms

Regular APR

See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Quick Tip: The Interest Rate

In a perfect world, you would never be charged interest for using a credit card. Unfortunately, most credit cards – outside of balance transfer offers with an introductory zero percent rate – have an interest rate attached to it. The key thing to remember is that you only pay interest if you carry a balance from month to month. Get into the habit of paying your bill in full as a way to avoiding finance charges.

Bad Credit

First Access Visa® Card

Get a result in as little as 60 seconds upon completion of the online application

Rating

Credit Brand Visa
Credit Needed

Bad

Annual Fee

See Terms

Regular APR

See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process! Click “Apply Now” to apply online

Rating

Credit Brand Visa
Credit Needed

Bad/Poor

Annual Fee

*See Terms

Regular APR

*See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

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 APR

35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

Indigo® Mastercard® for Less than Perfect Credit

Pre-qualify for a card today and it will not impact your credit score

Rating

Credit Brand Mastercard
Credit Needed

Fair

Annual Fee

$0 - $99

Regular APR

24.9%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay

Rating

Credit Brand Mastercard
Credit Needed

Fair

Annual Fee

$0 - $99

Regular APR

24.9%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

5kFunds

All Credit Types Accepted

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular APR

5.99% to 35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

LoansUnder36

All Credit Types Accepted

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular APR

5.99% to 35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Bad Credit

BadCreditLoans.com

Rating

Credit Brand Other
Credit Needed

Bad

Annual Fee

0.00%

Regular APR

From 5.99% to 35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

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.

Resources: Credit Cards and your Credit Standing

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 you’ll have a lower credit utilization ratio, thus leading to a higher credit score. Conversely, if you have problems keeping
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 offers appear to be the same, nothing could be further from the truth. Dig around to find out what makes
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 to spend more time on your search. It’s important to do two things before you begin your search for the
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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 it easier to focus on the offers that you actually qualify for. Your Credit Score Credit card issuers take into
Continue Reading »

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. 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 card organization those fees plus your current balance. Interest fees range from 0% to 35% APR and annual fees range from $0.00 to $99.00 according to contractually agreed upon terms. 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 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace stores. Please review full terms and conditions prior to applying for any credit card. 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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