Credit cards for bad credit are intended for consumers with FICO scores below 580. Some of these cards require a security deposit, but many cards for bad credit are unsecured. Interest rates are typically higher, rewards are basic if offered at all, and some cards in this range may charge hefty fees, including setup and maintenance fees.
Showing 105 cards
Wescom Bruin Choice Visa
BAD CREDIT
- Regular purchase APR is 18.40% to 28.40%
- 0% APR on purchases for 6 months
- 0% APR on balance transfers for 6 months
- No annual fee
- 1.5% cash back per $1 spent. 5% cash back per $1 spent on select UCLA purchases
- Earn 5,000 bonus points when you spend $500 within first 3 months
NJIT EDU
BAD CREDIT
- Regular purchase APR is 23.24%
- No annual fee
- 1% cash back on all purchases
- Get one free year of Amazon Prime Student when you make purchases totaling $500 or more within the first three statements after card issuance
- New applications are being paused temporarily due to card updates
Card issued by
Celtic Bank
Upgrade Card
BAD CREDIT
- Regular purchase APR is 14.99% to 29.99%
- No annual fee
- $200 welcome bonus when you start using a new Rewards Checking account and make 3 purchases within 60 days
- This is a nontraditional credit card that allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases or withdrawals up to the approved line amount
Sallie Mae Accelerate
BAD CREDIT
- Regular purchase APR is 17.99% to 29.99%
- 0% APR on purchases for 15 months
- 0% APR on balance transfers for 15 months
- No annual fee
- Redeem 2% cash back to help pay down any student loan, or 1.5% for everything else
- You must have received a personal offer code via mail or email to apply for this card
Sallie Mae Evolve
BAD CREDIT
- Regular purchase APR is 17.99% to 29.99%
- 0% APR on purchases for 15 months
- 0% APR on balance transfers for 15 months
- No annual fee
- Earn 2% cash back on your two highest spending eligible categories per month, and earn 1.5% on everything else
- You must have received a personal offer code via mail or email to apply for this card
Sallie Mae Ignite
BAD CREDIT
- Regular purchase APR is 17.99% to 29.99%
- 0% APR on purchases for 6 months
- 0% APR on balance transfers for 6 months
- No annual fee
- Earn unlimited 1% cash back on every purchase. Get a 25% bonus on base cash back rewards after six consecutive on-time payments
- You must have received a personal offer code via mail or email to apply for this card
Deserve EDU
BAD CREDIT
- Regular purchase APR is 23.74%
- No annual fee
- Includes Amazon Prime Student for one year
- New applications are being paused temporarily due to card updates
Card issued by
Celtic Bank
Petal 1 Visa
Chase Freedom Rise
Bank of America Customized Cash Rewards Secured
BAD CREDIT
- Regular purchase APR is 28.24%
- No annual fee
- 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases
- Unlimited 1% cash back on all other purchases
- You'll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- Secured card
Bank of America Unlimited Cash Rewards Secured
Discover it Secured
BAD CREDIT
- Regular purchase APR is 28.24%
- No annual fee
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% cash back on all other purchases
- With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
- After 7 months, there will be automatic monthly account reviews to see if you qualify to convert to an unsecured card and get your deposit back
- Secured card
Business Advantage Unlimited Cash Rewards Secured
Credit One Secured Card
Associated Bank Visa Max Cash Secured Card
U.S. Bank Cash+ Secured Visa Card
BAD CREDIT
- Regular purchase APR is 29.99%
- No annual fee
- 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. 2% cash back on eligible purchases in your choice of one everyday category. 1% cash back on all other eligible purchases
- Secured card
Truist Enjoy Cash Secured
First Citizens Secured Cash Back Credit Card
TD Cash Secured
Ollo Rewards
Revvi
BAD CREDIT
- Regular purchase APR is 35.99%
- Annual fee the first year is $75, then $48
- 1% cash back rewards provided on the amount of payments applied to your card
- This card may assess setup and maintenance fees. Please review the card agreement.
- Must have a checking account for approval. Must pay an $89 program fee to open card account
- Card may not be used at automated fuel pumps, for online gambling transactions, or anywhere outside the United States
Petal 1 Rise Visa
Platinum Visa for Rebuilding Credit
Vegas Golden Knights Credit Card
BAD CREDIT
- Regular purchase APR is 28.99%
- No annual fee the first year, then $0 to $99
- Get 1% cash back rewards on eligible gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
- Get access to deals, discounts, and experiences for Vegas Golden Knights fans
WWE Credit Card
Aspire Cash Back Reward Card
Amazon Secured Card
Patelco Pure Secured Mastercard
Sound Select Secured
East West Bank Secured Credit Card
SchoolsFirst FCU Share Secured Mastercard
Gesa Wise Secured Card
First Tech Platinum Secured Mastercard
RCU Visa Credit Builder
Golden 1 Member First Card
Cadence Bank Secured Mastercard
Affinity Secured Visa
Ocean Bank Platinum
SDFCU Savings Secured Platinum Rewards
American Eagle FCU Secured Visa
Navy Federal nRewards Secured
BAD CREDIT
- Regular purchase APR is 18.00%
- No annual fee
- Rewards
- Card may be issued on either the Visa or Mastercard networks
- 1X points per dollar spent
- After 3 months, you could be eligible for an upgrade that provides you additional credit without an additional security deposit
- After 6 months, your account will be reviewed monthly to see if you’re eligible to have your savings account hold removed and your credit card account upgraded to a cashRewards unsecured card
- Secured card
USALLIANCE Visa Secured
VyStar Savings Secured Visa
Advantis Secured
X1 Card
BAD CREDIT
- Regular purchase APR is 20.24% to 29.99%
- No annual fee
- Rewards
- 2X points on every purchase regardless of category. 3X points for the entire year if you spend $15,000. 4X, 5X, and even 10X points for every invited friend who gets a card
- Shop in the X1 app and earn up to 10X points at leading online stores
- Activate boosts on your everyday spending to earn even more points
- Credit limits up to 5X higher than traditional cards
- The X1 Card application weighs your income more heavily than your credit score. You may be required to allow access to your bank account via a third-party service such as Plaid in order to be approved
First Horizon Bank Secured Visa
M&T Secured Credit Card
Citizens Trust Bank Visa Classic Secured
Arrowhead Share-Secured Visa
Ollo Platinum
City National Now
FNBO Secured Visa Credit Card
BAD CREDIT
- Regular purchase APR is 25.49%
- No annual fee
- Qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments
- You may be able to get your deposit back in as little as 11 months when you maintain a good payment history
- Secured card
BankAmericard Secured
Citi Secured Mastercard
USAA Secured American Express Credit Card
USAA Secured Visa Platinum Credit Card
Key Secured Credit Card
Simmons Bank Foundation Visa
Associated Bank Secured Visa Credit Card
U.S. Bank Secured Visa Card
OpenSky Plus Secured Visa
U.S. Bank Altitude Go Secured Visa Signature Card
Platinum Secured
Tomo Credit Card
BAD CREDIT
- Charge card
- No annual fee
- Spending power ranges from $100 - $10,000
- 7-day automatic payment feature
- No credit history required
- The Tomo card uses third-party service providers such as Plaid to integrate your bank account and access data like your current balance
MidFirst Bank Secured Credit Card
SDCCU Share Secured Visa Classic
Fifth Third Secured Card
First Commonwealth Secured Credit Card
Kinecta MyPlan Secured
First Progress Platinum Elite Secured
Regions Explore Visa Credit Card
OpenSky Secured Visa
First Latitude Platinum Secured
Merrick Bank Classic Secured Credit Card
Merrick Bank Double Your Line Secured Credit Card
UNITY Visa Secured Card
First Progress Platinum Select Secured
Prosper Card
Academy Bank Credit Builder Secured Visa
Applied Bank Secured Visa Gold Preferred
First Access Card
BAD CREDIT
- Regular purchase APR is 35.99%
- Annual fee the first year is $75, then $48
- This card may assess setup and maintenance fees. Please review the card agreement.
- Card may not be used at automated fuel pumps, for gambling transactions, or at merchants outside the United States
First Digital Card
Total Card Visa
BAD CREDIT
- Regular purchase APR is 35.99%
- Annual fee the first year is $75, then $48
- This card may assess setup and maintenance fees. Please review the card agreement.
- Must have a checking account for approval. Must pay an $89 program fee to open card account
- Card may not be used at automated fuel pumps, for online gambling transactions, or anywhere outside the United States
First Progress Platinum Prestige Secured
Assent Card
Commerce Bank Secured Visa
Oportun Visa
PREMIER Bankcard Secured Credit Card
1st Financial Bank USA Visa Gold Card
Merrick Bank Credit Card
BAD CREDIT
- Regular purchase APR is 24.45% to 30.70%
- No annual fee the first year, then $0 to $72
- If you use your card and make at least your minimum payment on time every month for the first 7 months, your credit line will automatically double
- This card may assess setup and maintenance fees. Please review the card agreement.
- Must receive mail offer to apply
Mission Lane Visa
Blaze Mastercard
Indigo Mastercard
Destiny Mastercard
FIT Mastercard
Reflex Mastercard
Surge Mastercard
Cerulean Mastercard
BAD CREDIT
- Regular purchase APR is 29.99% to 35.90%
- Annual fee is $99
- Initial credit limit ranges from $300 to $1,000. Your initial credit limit will double if you make the first six monthly minimum payments on time
- This card may assess setup and maintenance fees. Please review the card agreement.
- Must have received offer to apply
Verve Mastercard
BAD CREDIT
- Regular purchase APR is 29.99% to 35.90%
- Annual fee is $75 to $99
- Initial credit limit ranges from $300 to $1,000. Your initial credit limit will double if you make the first six monthly minimum payments on time
- This card may assess setup and maintenance fees. Please review the card agreement.
- Must have received offer to apply
