Best Credit Cards for Bad Credit
The following are the top credit cards for consumers with a bad credit history. In addition to offering a quick online application process, the credit card products below may be able to help build, rebuild or re-establish your credit history if you make on-time minimum payments with all of your creditors and keep account balances low relative to the credit limit.
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1. ACE Elite™ Blue Visa® Prepaid Debit Card
Apply Here- Need your money before payday? Get paid up to 2 days faster with direct deposit.*
- Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
- Mobile account access - available on GooglePlay and Apple App Store.
- Transfer money to another ACE Elite cardholder with no fee.*
- Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
- Earn up to 5% APY while you save in an optional savings account.*
- Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
- Perfect for occasional usage
- Click here for all official application terms and details.
2. OpenSky® Secured Visa® Credit Card
Apply Here- Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
- Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
- Security deposit needs to be submitted before the credit card can be issued.
- No credit check necessary and no checking account required; apply in less than 5 minutes.
- Click here for all official application terms and details.
3. 24k Prepaid Visa® RushCard
Apply Here- Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
- Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
- Transfer money to another RushCard member for just $0.99 per transaction.
- Approval upon successful ID verification.1 No credit check9 or minimum balance required.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
- Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Choose your card color -- blue or pink
- Click here for all official application terms and details.
4. Carbon Prepaid Visa® RushCard
Apply Here- Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
- Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
- Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
- Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
- Transfer money to another RushCard member for just $0.99 per transaction.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Choose your card color -- blue or pink
- Click here for all official application terms and details.
5. Family Guy CARD.com Visa® Account Prepaid Card
Apply Here- Deposit your paycheck directly onto your card
- Now order up to 3 cards with different designs; 1000s to choose from
- Free Android & iOS app download to manage your account
- Access to 24,000 MoneyPass in-network ATMs
- Use everywhere Visa debit cards are accepted
- No cost to apply and no minimum balance
- Share funds between eligible cards
- Load checks right from your smartphone
- Click here for all official application terms and details.
6. Raise your FICO Score
- Fund your new MasterCard® secured credit card with your tax refund today!
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Click here for all official application terms and details.
7. Suede KLS Prepaid Visa® RushCard
Apply Here- Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
- Check your balance, view transactions, and even transfer money with the RushCard mobile app.
- Shop online and in stores - everywhere Visa debit cards are accepted.
- Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
- Conveniently send money to friends and family who have a RushCard with a card to card transfer.
- Approval upon successful ID verification.1 No credit check9 or minimum balance required.
- Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Choose your card color -- blue or pink
- Click here for all official application terms and details.
8. Control™ Prepaid MasterCard®
Apply Here- Stay in Control of your Money. No Overdraft or Surprise Fees
- Get your Paychecks up to 2 days faster with Direct Deposit
- Guaranteed Approval* (ID verification required). No Credit Check. No Minimum Balance
- Real-time Activity Alerts on your Mobile (Message rates may apply)
- Use your card anywhere a Debit MasterCard is accepted
- Visit any of the 130,000+ Reload Locations nationwide
- Funds are FDIC insured up to the current coverage limit (ID verification required)
- Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more
- Click here for all official application terms and details.
9. Sequin KLS Prepaid Visa® RushCard
Apply Here- Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
- Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
- Shop online and in stores - everywhere Visa debit cards are accepted.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
- Check your balance, view transactions, and even transfer money with the RushCard mobile app.
- Conveniently send money to friends and family who have a RushCard with a card to card transfer.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Choose your card color -- blue or pink
- Click here for all official application terms and details.
10. Gloss Prepaid Visa® RushCard
Apply Here- Stay connected — keep track of your money on your mobile phone with the free RushCard app.
- Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
- Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.7 See card site for details.
- Real time activity alerts sent to your mobile phone via text or email.3 Standard text message and data rates, fees, and charges may apply.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
- Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
- Choose your card color -- blue or pink
- Click here for all official application terms and details.
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