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.
First PREMIER Bank MasterCard®
Apply for a Credit Card with Less than Perfect Credit!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
Capital One® Standard Platinum
Great choice if you carry a balance short-term.
Summary:
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Saving Zone Discounts
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Saving Zone Discounts
Capital One® No Hassle CashSM Rewards - New to Credit
A Cash Back card for people New to Credit.
Summary:
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: At least 1.25 miles/dollar on net purchases*
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: At least 1.25 miles/dollar on net purchases*
Features:
- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you like
- $29 annual fee
*See website for Disclosures.
Orchard Bank® Secured MasterCard®
Bad Credit — Good Secured MasterCard®!
Summary:
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Total Initial Charge: $200 minimum deposit
Late Fee: $30-$35
Overlimit Fee: $30.00
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Total Initial Charge: $200 minimum deposit
Late Fee: $30-$35
Overlimit Fee: $30.00
Features:
- Set your own credit limit starting at $200, all online
- The perfect card to start building or rebuild your credit
- Reporting monthly to all major credit bureaus
- Your choice of payment due dates to fit your schedule
- Free standard bill pay and online account management tools
- E-alerts to your email or cell phone to remind you when a payment is due
View the Credit Terms & Conditions.
Centennial® MasterCard®/Visa®
Reports monthly to 4 Major Credit Bureaus!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
Total Visa® Card
The VISA Card for people with "less than perfect" credit.
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Total Initial Charge: $200.00
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $25.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Total Initial Charge: $200.00
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $25.00
Features:
- Instant On-Line Decision
- Free 24 hour Online Account Access
- Monthly Reporting to All Major Credit Bureaus
- Fraud Protection
- Outstanding Customer Service
See Rates, Fees & Other Costs.
Rewards 660 Visa® Card
Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months.
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Features:
- No Fee Credit Limit Increases*
- $300 Starting and $2,000 Maximum Credit Limit
- Fast Online Response
- Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax)
- FREE Online Account Access
- FREE Online Payments
*See Rates, Fees & Terms.
Continental Finance Gold MasterCard®
Get a second chance with rates as low as 9.75% APR*!
Summary:
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
Total Initial Charge: $225.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
Total Initial Charge: $225.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Features:
- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
Continental Finance MasterCard®
Get a second chance with Continental Finance!
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
Total Initial Charge: $250.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
Total Initial Charge: $250.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Features:
- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
*Approval subject to other criteria. See Terms and Conditions.
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
First PREMIER Bank Platinum Credit Card
Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card.
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- All applications accepted!
- All credit types welcome to apply!
See Rates, Fees & Terms for current information.
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.
Centennial® Gold MasterCard®/Visa®
Your Chance to Apply for the Prestige of GOLD!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Reports monthly to 4 Major Credit Bureaus
- Low APR on purchases
- Get the prestige of a GOLD MasterCard®/Visa®
- All applications accepted
- All credit types welcome to apply
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
*See Rates, Fees & Terms for current information.
Orchard Bank Classic MasterCard®
If you do not qualify for the Classic card, you will be offered Secured card!
Summary:
Ongoing APR: 8.90%-15.99%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Ongoing APR: 8.90%-15.99%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Features:
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
View the Credit Terms & Conditions.
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 PREMIER Bank Gold MasterCard®
Get the prestige of a Gold card! Credit decisions in less than 60 seconds!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Quality Customer Service
- Low APR on purchases
- Instant credit decisions
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- Accepted where you see the MasterCard logo
- Over 3 million credit card holders
See Rates, Fees & Terms for current information.
First PREMIER Bank Secured MasterCard®
A MasterCard® Credit Card for Those with Less than Perfect Credit!
Summary:
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard® logo
- Over 3 million credit card holders
- Enjoy the benefit of 24-hour phone account access
*See Rates, Fees & Terms for current information.
MyCreditCardFinder
One site, dozens of offers tailored to you!
Summary:
Ongoing APR: N/A
Ongoing APR: N/A
Centennial® Secured MasterCard®
A Secured Card that Reports monthly to 4 Major Credit Bureaus
Summary:
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- A MasterCard® for Those With Less Than Perfect Credit
- Enjoy the Benefit of 24 hour Account Access by Phone
- Accepted where you see the MasterCard® Logo
- Over 3 Million Card Holders
- Quality Customer Service
*See Rates, Fees & Terms for current information.
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