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Bad Credit

Do you have bad credit or no credit? You can still qualify for a credit card that will help you rebuild and improve your credit score. Let us help you save money and build your credit the smart way.

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Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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BankAmericard Secured Card
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card description

Rewards Rate

  • If you are new to credit in the US, you might want to know how to get your first credit card.
  • The best Bank of America credit card for people new to credit is the BankAmericard Secured Credit Card.
  • This card is DESIGNED FOR PEOPLE WITH BAD CREDIT OR NO CREDIT. It is ideal for establishing credit or fixing past mistakes.
Annual Fee

None

Foreign Transaction Fee

3%

APR

22.99%

Penalty Fee

None

Balance Transfer Fees

3% or $10, whichever is greater.

DCU Visa Platinum Secured Credit Card
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card description

Rewards Rate

  • The cost of credit can be super high when you have bad credit. Many cards charge high fees and interest rates. You don’t want that.
Annual Fee

None

Foreign Transaction Fee

N/A

APR

11.5% variable

Penalty Fee

Up to 18%

Balance Transfer Fees

None

Credit One Bank Visa Credit Card
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card description

Rewards Rate

  • The cost of credit can be super high when you have bad credit. Many cards charge high fees and interest rates. You don’t want that.
Annual Fee

$0-$95 for first year then $0-$99

Foreign Transaction Fee

$1 or 3%, whichever is greater

APR

17.99% to 23.99%

Penalty Fee

None listed

Balance Transfer Fees

None listed

Wells Fargo Student Cash Back Card
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card description

Rewards Rate

  • 3% cash rewards on certain purchases.
  • 1% cash rewards on all other purchases.
  • Verdict: The Wells Fargo Cash Back College Card is a solid option for students with limited credit history to build credit. But many of the card’s best features don’t last.
Annual Fee

None

Foreign Transaction Fee

3%

APR

11.15% a 21.15%,0% for the first 6 months

Penalty Fee

N/A

Balance Transfer Fees

3% or $5, whichever is greater

Indigo Platinum Mastercard
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card description

Rewards Rate

  • Maybe you have made a few late payments.
  • Or, you lost your job and could not pay your bills.
  • Do not worry: you can get a credit card even with bad credit.
Annual Fee

$0 to $75 for the first year (then up to $99)

Foreign Transaction Fee

1%

APR

24.9%

Penalty Fee

Up to 29.9%

Balance Transfer Fees

None listed

Capital One Platinum card
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card description

Rewards Rate

  • This basic no-annual-fee credit card isn’t fancy. But if your credit is average, it’s a good tool for improving your credit score.
  • You’ll get an automatic credit limit increase after just five on-time payments.
  • You’ll also get access to basic benefits, such as car rental insurance and extended warranties.
Annual Fee

None

Foreign Transaction Fee

None

APR

26.99%

Penalty Fee

None

Balance Transfer Fees

None

Capital One Secured Card
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card description

Rewards Rate

  • Unlike most secured cards, the Capital One Secured credit card doesn’t require a huge security deposit.
  • You can get a no-annual-fee card with a $200 credit limit with as little as $49 down. That’s the same amount that some secured cards charge in annual fees. For a bigger credit limit, you can put $99 or $200 down.
  • Capital One also promises to increase your credit limit if you pay on time five months in a row after opening your secured card.
Annual Fee

None

Foreign Transaction Fee

None

APR

26.99%

Penalty Fee

None

Balance Transfer Fees

None

Applied Bank® Secured Visa® Gold Preferred® Card
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card description

Rewards Rate

  • This secured card is a good alternative to traditional credit cards because it does not require a credit check, and there is no minimum credit score to get approved.
  • It is much easier to get approved for this card than other secured cards.
Annual Fee

$48

Foreign Transaction Fee

3%

APR

9.99%

Penalty Fee

N/A

Balance Transfer Fees

N/A

Capital One QuicksilverOne Card
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card description

Rewards Rate

  • The Capital One Quicksilver card is a good low-maintenance credit card.
  • You’ll get the same 1.5% cash back on every purchase. That way, you don’t need to worry about tracking different bonus categories.
  • Unlike more complicated cards, you’ll get a bonus on miscellaneous purchases, too. You can get extra cash back on things that don’t usually earn a lot of rewards. Most cards, for example, only award bonuses on things like travel, gas or groceries.
  • With the Quicksilver card, you can get an extra half-point discount on your monthly phone bill, toys for your kids and other everyday expenses. With the Quicksilver credit card, you could cut as $10 or more from your monthly budget.
Annual Fee

None

Foreign Transaction Fee

None

APR

15.49% to 25.49%, 0% for the first 15 months

Penalty Fee

None

Balance Transfer Fees

None

FIT Mastercard®
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card description

Rewards Rate

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus – this can help you build your credit score.
  • 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.
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements) – this way you get a free credit score check.
  • Checking Account Required.
Annual Fee

$99

Foreign Transaction Fee

3%

APR

29.99% variable

Penalty Fee

Up to $40

Balance Transfer Fees

None

First Progress Platinum Prestige MasterCard® Secured Credit Card BC
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card description

Rewards Rate

  • Our opinion is that it falls right in the middle of the group.
  • There are some good things, there are some bad things, and we are here to explain everything.
Annual Fee

$49

Foreign Transaction Fee

3%

APR

9.99% variable

Penalty Fee

N/A, but late payment fee of up to $40

Balance Transfer Fees

N/A

Indigo® Mastercard® for Less than Perfect Credit
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card description

Rewards Rate

  • The Indigo® Mastercard® is a secured card, and is designed for people with bad credit.
  • It has high fees and won’t let you charge very much, but a big benefit with this card is that you can apply for pre-qualification without hurting your credit score.
Annual Fee

$0 - $99

Foreign Transaction Fee

1%

APR

24.9%

Penalty Fee

29.9%, with late payment fee up to $40

Balance Transfer Fees

N/A

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