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.
Your credit score can save you money. Click here to check your credit score

1. ACE Elite™ Blue Visa® Prepaid Debit Card

ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup 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.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

2. AchieveCard Visa® Prepaid Card

AchieveCard Visa® Prepaid Card Card Signup Apply Here
  • Get paid faster than a paper check
  • Quick and easy sign up
  • No minimum balance
  • Online banking and SMS alerts
  • Shop online, pay bills, and make everyday purchases
  • Send paper checks with Online Bill Pay - we print & mail them for free!
  • Exclusive AchieveRewards Loyalty Program
  • Perfect for occasional usage
  • Click here for all official application terms and details.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

3. Pink ACE Elite™ Visa® Prepaid Card

Pink ACE Elite™ Visa® Prepaid Card Card Signup Apply Here
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • 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.
  • Always know your balance— by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards — get special offers and account credits when you use them.*
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
  • Perfect for occasional usage
  • Click here for all official application terms and details.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

4. Control™ Prepaid MasterCard®

Control™ Prepaid MasterCard® Card Signup Apply Here
  • Stay in Control of your Money. No Overdraft or Surprise Fees
  • Get your Paychecks or Tax Refunds 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.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

5. 24k Prepaid Visa® RushCard

24k Prepaid Visa® RushCard Card Signup 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.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

6. Pink ACE Elite™ Visa® Prepaid Card

Pink ACE Elite™ Visa® Prepaid Card Card Signup Apply Here
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • 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.
  • Always know your balance— by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards — get special offers and account credits when you use them.*
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
  • Perfect for occasional usage
  • Click here for all official application terms and details.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

7. First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card Card Signup Apply Here

Annual Fee

$44

Interest Rate

11.99%

Reports Payment

No

Editors Rating

3.7
Apply Now.

8. USAA Secured Card® Platinum Visa®

USAA Secured Card® Platinum Visa® Card Signup Apply Here
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • Choose your card color -- blue or pink
  • Click here for all official application terms and details.

Annual Fee

Interest Rate

10.15%-20.15% (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

9. Sequin KLS Prepaid Visa® RushCard

Sequin KLS Prepaid Visa® RushCard Card Signup 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.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

10. Control™ Prepaid MasterCard®

Control™ Prepaid MasterCard® Card Signup Apply Here
  • Stay in Control of your Money. No Overdraft or Surprise Fees
  • Get your Paychecks or Tax Refunds 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.

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.