Bad Credit Credit Cards
To get credit cheap, you need a decent credit score. Building a positive payment history to eventually upset your negative items on your credit report can dramatically improve your credit rating. Consumers may improve their scores up to 100 points by getting a Visa®, MasterCard® or Catalog card and paying the installments in a timely manner.
You can choose another, more specific poor credit credit card type from the menu bar on the left or browse through the full list of our Bad Credit/No Credit credit cards below.
New Millennium Bank Secured Gold Visa® / Mastercard®
Credit limits up to $10,000*
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $69.95
Late Fee: $20.00
Overlimit Fee: $20.00
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $69.95
Late Fee: $20.00
Overlimit Fee: $20.00
Features:
- Approved regardless of credit history or income
- Credit limits up to $10,000* (with both, Visa® and MasterCard® cards)
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
*See Rates, Fees & Other Terms.
NMB Secured Black Diamond Visa® or Mastercard®
CREDIT BUILDER PROGRAM!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Reward Program: Travel Offers
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Reward Program: Travel Offers
Features:
- Approved regardless of credit history
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
*See Rates, Fees & Other Terms.
UltraVX Visa®
Now anyone can qualify for a credit card with UltraVX Visa®.
Summary:
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Total Initial Charge: $29.95
Returned Check Fee: $25.00
Late Fee: $25.00
Overlimit Fee: $25.00
Reward Program: Clear Rewards
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Total Initial Charge: $29.95
Returned Check Fee: $25.00
Late Fee: $25.00
Overlimit Fee: $25.00
Reward Program: Clear Rewards
Features:
- Credit-On Demand™*: up to $25,000 credit line
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
Tribute® Gold MasterCard® Credit Card
Bad credit history? This could be the right card for you!
Summary:
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Returned Check Fee: $35*
Late Fee: $35*
Overlimit Fee: $35*
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Returned Check Fee: $35*
Late Fee: $35*
Overlimit Fee: $35*
Features:
- Unsecured Gold MasterCard® Credit Card
- Reports to the Major Credit Bureaus
- MasterCard® cards are accepted at over 25 million locations worldwide
- Quick Online Decision
- Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
New Millennium Bank Platinum Visa® or MasterCard®
NMB has guaranteed your credit approval for up to $10,000* with no credit check!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Reward Program: Travel Rewards
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Reward Program: Travel Rewards
Features:
- Guaranteed* Issue
- NO credit check, EVER
- NOBODY gets turned down
- Reports to 3 major CREDIT BUREAUS
- Credit approval for up to $10,000 (with both cards)*
- YOU are APPROVED regardless of income or credit history
- Complimentary online services for account management and payments
*See Rates, Fees & Other Terms.
First Option Visa®
Get a REAL Visa® Credit Card!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
MyCreditCardFinder
One site, dozens of offers tailored to you!
Summary:
Ongoing APR: N/A
Ongoing APR: N/A
All-Access® Visa® Prepaid Card
Choice of Flat-fee or Pay-as-you-go Fee Plans.
Summary:
Ongoing APR: N/A
Annual Fee: $0.00 or $69.95*
Total Initial Charge: $9.95
Returned Check Fee: $5.95
Ongoing APR: N/A
Annual Fee: $0.00 or $69.95*
Total Initial Charge: $9.95
Returned Check Fee: $5.95
BuyRIGHT Prepaid MasterCard®
BuyRIGHT is RIGHT for you!
Summary:
Ongoing APR: N/A
Total Initial Charge: $49.95
Returned Check Fee: $25.00
Late Fee: N/A
Ongoing APR: N/A
Total Initial Charge: $49.95
Returned Check Fee: $25.00
Late Fee: N/A
AccountNow™ Vantage Debit MasterCard®
Get the perfect alternative to a bank account!
Summary:
Ongoing APR: N/A
Total Initial Charge: $19.95 (Plus Plan)
Returned Check Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: N/A
Total Initial Charge: $19.95 (Plus Plan)
Returned Check Fee: $29.00
Overlimit Fee: $29.00
Features:
- Instant Guaranteed Approval* - no credit check, no security deposit
- $0 ACTIVATION FEE - when you load your card by direct deposit
- Free Direct Deposit - no more check cashing fees
- Free Online Bill Pay - no need for expensive money orders
- Free Credit Builder? - bill pay transactions are reported to PRBC®
- No Overdraft Fees - no minimum balance required
- iAdvance loan option, no credit check needed.*
- Reloadable - $10,000 balance limit
*See web site for Features & Fees.
Western Union® Prepaid MasterCard®
Credit problem? No problem!
Summary:
Ongoing APR: N/A
Total Initial Charge: $9.95
Overlimit Fee: $25.00
Ongoing APR: N/A
Total Initial Charge: $9.95
Overlimit Fee: $25.00
Features:
- Carry your money safely and conveniently.
- Shop online anywhere MasterCard debit cards are accepted.
- Check your Card balance anytime online or over the phone.
- Reload your Card at any participating Western Union Agent location in the United States.
- No credit checks! No lengthy applications!
- Shop wherever MasterCard debit cards are accepted — even online
- Efficiently manage your money and pay bills because you control how much you put on the Card.
- Easy to Get, Easy to Use
- The power of cash. The convenience of plastic.
Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Summary:
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Features:
- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.