Bad Credit Cards
Find the best bad credit cards for your credit profile and financial needs.
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Our card rankings and ratings are based on a proprietary methodology that evaluates rewards rates, annual fees, APR, and customer satisfaction. While we may receive compensation from banks whose products appear on this site via ads and affiliate links, this compensation does NOT impact our independent ratings.
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Showing 10 of 97 credit cards
🇺🇸 United States • Bad Credit Cards
Capital One Secured Mastercard
by Capital One
APR Range
26.99%
Annual Fee
$0
Card Type
Secured
Rewards
None
Key Benefits
Secured card that helps build credit. May be eligible for a higher credit line in as little as 6 months with no additional deposit.
Pros
- No annual fee
- Credit line increases possible
- Reports to all 3 bureaus
Cons
- No rewards
- Requires security deposit
- High APR
Petal 2 Visa
by Petal
APR Range
18.24% - 32.24%
Annual Fee
$0
Card Type
Unsecured
Rewards
Cash Back
Key Benefits
Credit card for people with limited credit history. Uses cash flow underwriting and offers cash back rewards.
Pros
- No annual fee
- Cash back rewards
- Alternative underwriting
Cons
- Variable APR
- Limited credit building features
- Newer company
Capital One Platinum Secured
by Capital One
APR Range
26.99%
Annual Fee
$0
Card Type
Secured
Rewards
None
Key Benefits
Secured card that helps build credit. May be eligible for a higher credit line in as little as 6 months with no additional deposit.
Pros
- No annual fee
- Credit line increases possible
- Reports to all 3 bureaus
Cons
- No rewards
- Requires security deposit
- High APR
Credit One Bank Platinum Visa
by Credit One Bank
APR Range
23.90% - 29.99%
Annual Fee
$0 - $99
Card Type
Unsecured
Rewards
Cash Back
Key Benefits
Unsecured credit card for rebuilding credit with cash back rewards. Pre-qualification available without affecting credit score.
Pros
- Unsecured option
- Cash back rewards
- Pre-qualification available
Cons
- High APR
- Potential annual fee
- Limited acceptance
Chime Credit Builder Visa
by Chime
APR Range
No Interest
Annual Fee
$0
Card Type
Secured
Rewards
None
Key Benefits
Secured card with no interest charges or fees. Uses your own money to make purchases and helps build credit history.
Pros
- No interest charges
- No fees
- Automatic payments
Cons
- Requires Chime account
- No rewards
- Uses your own money
OpenSky Secured Visa
by OpenSky
APR Range
19.14%
Annual Fee
$35
Card Type
Secured
Rewards
None
Key Benefits
Secured card with no credit check required. Reports to all three major credit bureaus to help build credit history.
Pros
- No credit check
- Reports to all 3 bureaus
- Easy approval
Cons
- Annual fee
- No rewards
- Requires security deposit
Indigo Platinum Mastercard
by Celtic Bank
APR Range
24.90%
Annual Fee
$0 - $99
Card Type
Unsecured
Rewards
None
Key Benefits
Unsecured card for bad credit with pre-qualification option. Helps rebuild credit with responsible use.
Pros
- Unsecured option
- Pre-qualification
- Credit building
Cons
- High APR
- Potential annual fee
- No rewards
Self Visa Credit Card
by Self Financial
APR Range
25.24%
Annual Fee
$25
Card Type
Secured
Rewards
None
Key Benefits
Secured card that works with Self credit builder account. Helps build credit with small monthly payments.
Pros
- Credit builder integration
- Reports to all 3 bureaus
- Low deposit option
Cons
- Annual fee
- High APR
- No rewards
Merrick Bank Secured Visa
by Merrick Bank
APR Range
23.90%
Annual Fee
$36
Card Type
Secured
Rewards
None
Key Benefits
Secured card that reports to all three credit bureaus. Potential for credit line increases with responsible use.
Pros
- Reports to all 3 bureaus
- Credit line increases
- Established issuer
Cons
- Annual fee
- No rewards
- Requires security deposit
First Progress Platinum Elite Mastercard
by First Progress
APR Range
19.99%
Annual Fee
$49
Card Type
Secured
Rewards
None
Key Benefits
Secured card with flexible deposit amounts. Reports to all major credit bureaus to help build credit history.
Pros
- Flexible deposit amounts
- Reports to all bureaus
- Easy approval
Cons
- Annual fee
- No rewards
- Basic benefits