5 Best Bad Credit Credit Cards

Updated
3 days agoon
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We feature the top 5 credit cards for bad credit, poor credit, or no credit history. Credit lines range from $200 to $1000. There’s normally a fast approval process and in some cases no credit check or proof of employment is required.
The list is based on APR rates, annual fees, and expedited card issuance.
Our pick for
Fast Approval Process

Applied Bank® Unsecured Classic Visa® Card
Applied Bank® Unsecured Classic Visa® Card
Applied Bank® Unsecured Classic Visa® Card offers Quick & Easy Approval in Less Than 60 Seconds. They reports to All Three Major Credit Bureaus to ensure that you can build your credit.
Pros
- Quick & Easy Approval in Less Than 60 Seconds!
- No Penalty Rate. Your Rate Won’t Go Up Even If You are Late.
Cons
- Higher annual fee than some competitors.
- A checking account is required, this may be of concern to the unbanked.
- Quick & Easy Approval in Less Than 60 Seconds!
- Reports to All Three Major Credit Bureaus
- No Penalty Rate. Your Rate Won’t Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
- 24/7 Online Account Access and Payment Options
- E-mail Payment reminders help you keep your account in good standing
Our pick for
Flexible Credit Limit

Reflex Mastercard®
Reflex Mastercard®
The Reflex Mastercard® offers free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements).
They also enable you to see if you’re Pre-Qualified with zero impact to your credit score.
A flexible initial credit limit of $300 – $1,000* (subject to available credit).
Pros
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- They welcome all credit types even if you have bad, poor, or no credit.
Cons
- Higher annual fee than some competitors.
- A checking account is required, this may be of concern to the unbanked.
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
Our pick for
Easy Pre-Qualification Process

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit
Milestone® Mastercard® – Unsecured For Less Than Perfect Credit
Milestone® Mastercard® – Unsecured For Less Than Perfect Credit is a credit card that offers a simplified application process and it won’t impact your credit score to see if you pre-qualify.
Monthly payments are reported to the 3 major credit bureaus to help with building your credit.
Pros
- Account history is reported to the three major credit bureaus in the U.S – This helps build credit.
- They welcome all credit types even if you have bad, poor, or no credit.
Cons
- Higher annual fee than some competitors.
- A checking account is required, this may be of concern to the unbanked.
- Easy pre-qualification process which does not affect your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Protection from fraud, if your card happens to be lost or stolen
- Account history is reported to the three major credit bureaus in the U.S.
Our pick for
Best Card Design

Indigo® Unsecured Mastercard®
Indigo® Unsecured Mastercard®
The Indigo® Unsecured Mastercard® is one of the few cards that allows you to choose from multiple designs.
You can Pre-qualify today without an impact on your credit score.
Pros
- Account history is reported to the three major credit bureaus in the U.S – This helps build credit.
- Multiple Card Designs to Choose from.
Cons
- Annual fee determined based on a review of your credit profile.
- A checking account is required, this may be of concern to the unbanked.
- Pre-qualify today without an impact on your credit score
- Keeping your account in good standing may help establish and/or improve your credit
- Access your account online or from your mobile device 24/7
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
How to know if you need a credit card for Bad Credit?
When you apply for a regular credit card, you are asking a credit card issuer to lend you funds without any type of guarantee.
Unlike with a mortgage there’s no collateral to ensure that the funds are paid back. Often if an application has no credit or poor credit, a credit card issuer will consider the risk too big to justify the potential rewards. For example, the annual fee and interest that is collected. If the risk for the credit card issuer is too high the application will automatically be denied.
Credit cards that specialize in people with bad credit, no credit, or poor credit have features to reduce the risk to credit card issuers, but more importantly they often have reduced credit limits, higher interest rates, higher annual fees, and often processing fees to review and reject your application.
How do I know if I have bad credit?
If the credit is is below 630 you are deemed to have bad, or poor credit. If you have no credit it is considered to be similarly high risk to credit card issuers, and you are likely to get rejected for a regular credit card application.
If you have never checked your credit score, but you are being rejected regularly for credit cards you likely have bad credit.
Secured Credit Cards – A Better Alternative
We still recommend secured credit cards. While this list features some of the best bad credit credit cards for people who have bad, poor, or no credit we actually recommend that you opt for a Secured Credit Card instead.
The reason for this is that with secured credit card can receive higher credit limits, and cards with better terms and conditions. This is due to the fact that when you apply for a secured credit card, you need to send a deposit that is held by the credit card issuer, and this removes the risk for the credit card issuer. For example, a $1000 credit card limit would then require a $1000 security deposit. To learn more visit our guide to the Best Secured Credit Cards.
Frequently asked questions
What is a Processing Fee?
Some credit card issuers charge a processing fee to open your account. This is a fee to cover the cost of reviewing and processing your application. It also covers the fee of sending out your credit card.
Why is monthly reporting to the credit bureaus important?
If you have no credit, bad or poor credit it is beneficial for you to have your regular monthly payments reported to the credit bureaus, this is how you build credit.
How difficult is it to get approved?
These credit cards are designed specifically for people with bad, poor, or no credit. This means that the odds of getting approved are much higher than regular credit cards. That being stated a Secured Credit Card still offers the highest approval rates due to the fact that you are sending a deposit for the credit card issuer to hold. This also enables you to have access to a higher credit line.
Why is no credit check important?
Everytime there is a credit check it is is recorded on your credit report and this may reduce your overall credit score. This is why it is beneficial to avoid credit checks when at all possible.
What is an APR?
APR is short for Annual Percentage Rate. This is the interest applied to your account for the duration of a billing cycle.