Credit Cards for Bad Credit (2024)

Find credit cards from Mastercard for people with bad credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.

PREMIER Bankcard® Mastercard® Credit Card

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  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One Platinum Secured Credit Card

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See Rates & Fees

  • No annual or hidden fees. See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% (Variable)

Annual fee
$0
Credit needed
Limited, Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Destiny Mastercard® – $700 Credit Limit

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  • Greater access to credit than before – $700 credit limit
  • Unsecured credit card, no security deposit required
  • Worry-free Fraud Protection* if your card is lost or stolen
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Quick and easy application process with a typical decision in 60 seconds or less
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See terms*

Annual fee
See terms*
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Fortiva® Mastercard® Credit Card

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  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% or 36% (Variable)

Annual fee
As low as $85
Credit needed
Good/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Aspire® Cashback Reward Card

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  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% or 36% Variable

Annual fee
As low as $85
Credit needed
Good/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Elite Mastercard® Secured Credit Card

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  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
25.24% (Variable)

Annual fee
$29
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Milestone Mastercard® – $700 Credit Limit

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  • Greater access to credit than before – $700 credit limit
  • No security deposit required, even with less than perfect credit
  • Account history is reported to the three major credit bureaus in the U.S
  • Get a Mastercard accepted online, in store and in app
  • 24/7 access to your account information, even on mobile
  • Applying is quick and easy with our fast decision process

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See terms*

Annual fee
See terms*
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Latitude Select Mastercard® Secured Credit Card

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  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!**
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • **Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
19.24% Variable

Annual fee
$39.00
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Grey Credit Card

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  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Poor Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

OneMain Financial BrightWay® Card

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See Rates & Fees

  • Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months
  • Building your credit? We report to the major credit bureausand good payment habits can pay off
  • Earn unlimited 1% cash back on purchases
  • Continue to earn rewards each time you make 6 consecutive on-time payments
  • You won’t be responsible for unauthorized charges with zero fraud liability
  • Experience the protection and global coverage of Mastercard®
  • BrightWay cards are issued by WebBank

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.99%

Annual fee
$75
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Surge® Platinum Mastercard®

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  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% APR (Variable)

Annual fee
See website for Details*
Credit needed
See website for Details*

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Mastercard® Credit Card

Apply online Secure

  • Everyone deserves a chance to build credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

FIT™ Platinum Mastercard®

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  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Terms*

Annual fee
See Terms*
Credit needed
Fair/Poor/Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Prestige Mastercard® Secured Credit Card

Apply online Secure

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
15.24% (Variable)

Annual fee
$49
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Reflex® Platinum Mastercard®

Apply online Secure

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% APR (Variable)

Annual fee
See Terms*
Credit needed
Fair/Poor/Bad/Limited

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Select Mastercard® Secured Credit Card

Apply online Secure

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
19.24% (Variable)

Annual fee
$39
Credit needed
Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Credit Cards for Bad Credit (2024)

FAQs

What is the easiest card to get with bad credit? ›

Easiest credit cards to get
  • Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
  • Best for small businesses: Bank of America Business Advantage Unlimited Cash Rewards Secured credit card.
  • Best for Chase customers: Chase Freedom Rise℠
  • Best for no annual fee: Citi Double Cash® Card.

Is there a credit card that approves everyone? ›

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

How to get $3,000 credit card bad credit? ›

The only way to get a $3,000 limit with bad credit is to place a $3,000 security deposit on a secured credit card. Generally, a secured card's credit limit matches the amount of the refundable security placed by the cardholder. Not all secured credit cards allow deposits as high as $3,000.

Which credit card has no credit check guaranteed approval? ›

The easiest credit card to get with bad credit (a credit score of 300-639) is a secured credit card with no credit check such as the OpenSky® Secured Visa® Credit Card or the OpenSky® Plus Secured Visa® Credit Card. This type of card requires a deposit but doesn't check your credit history, making it very easy to get.

What is the second chance credit card? ›

Using a credit card responsibly can help you reestablish your credit. If you're unwilling or unable to pay the deposit to get a secured card, you have another option: A “second-chance” credit card with no security deposit required.

Which bank approves a credit card easily? ›

The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.

How do I get a credit card if no one will approve me? ›

Consider a secured credit card

A secured credit card requires that cardholders put down a deposit, which acts as collateral if they're ever unable to make payments. The Discover it® Secured Credit Card is one such option, requiring a security deposit of $200.

Why won't anyone approve me for a credit card? ›

If you don't have a substantial source of income — or none at all — you may struggle to be approved for a credit card. Having poor payment history is an indicator that you may not be able to repay the credit lenders extend. Lenders may not look favorably upon applicants who are carrying debt.

What is the #1 credit card to have? ›

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

What is the easiest store credit card to get? ›

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

What is the best guaranteed approval credit card with $5000 limit with bad credit? ›

1. U.S. Bank Cash+® Secured Visa® Card. The U.S. Bank Cash+ Secured Visa Card stands out for offering a flexible credit limit of up to $5,000, based on the deposit provided. This card is especially appealing for those aiming to rebuild credit while enjoying cash-back rewards on purchases.

What is the best unsecured credit card? ›

Here's a Summary of the Best Unsecured Cards
  • Chase Sapphire Preferred® Card.
  • United Club℠ Infinite Card.
  • Marriott Bonvoy Boundless® Credit Card *
  • Aeroplan® Credit Card.
  • Rates & Fees. Capital One Venture X Rewards Credit Card.
  • IHG One Rewards Premier Credit Card.
  • Rates & Fees.

Is there an unsecured credit card that approves everyone? ›

In fact, Petal says you could be approved for the Petal® 2 Visa® Credit Card without any credit scores or credit history whatsoever. And as an extra perk, the Petal® 2 Visa® Credit Card offers its cardholders 1% to 1.5% in cash back rewards. You start out earning 1% cash back on all purchases.

Can I get an instant use credit card with bad credit? ›

Yes, there are a couple of instant approval and use credit cards for bad credit, such as the Fingerhut Credit Account. With this card, you'll get an instant decision and you can use it right after approval. However, the Fingerhut Credit Card is only accepted at Fingerhut and its partners.

Can you get a credit card with really bad credit? ›

It may be possible to get a credit card – but your chances of approval are low. This is because an Experian Credit Score of 560 or below is considered very poor. Also, remember that every credit application you make will temporarily reduce your score.

Can I get approved for a credit card with a score of 500? ›

Yes, it's possible to get a Credit Card with a 500 Credit Score, but your options will be limited. Secured Credit Cards and certain store Credit Cards are often more accessible for individuals with lower Credit Scores. These cards typically require a security deposit, which is your credit limit.

What is the easiest unsecured credit card to get with a 500 credit score? ›

The best unsecured credit card to get with a 500 credit score is the Credit One Visa card. This card offers a $300 starting credit limit, the potential for automatic credit line increase, and rewards on select purchases.

What's the lowest credit score to get a credit card? ›

You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.

Can I open a credit card with 500 credit score? ›

A credit score of 500 or less gives you plenty of room for growth when building your credit, and it won't exclude you from qualifying for a good credit card. Plenty of credit cards for a 500 credit score or lower offer credit-building tools to help you achieve a higher score; others even offer rewards.

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