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. The Secured Visa® from Merrick Bank

The Secured Visa® from Merrick Bank Card Signup Apply Here
  • Get your FICO® Score every month at no charge.
  • Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
  • No Processing or application fees.
  • You determine your credit line - up to $3,000
  • Easy funding options - We have several convenient options to easily submit your security deposits
  • Worldwide acceptance - Use it anywhere Visa is accepted.
  • Easy application - Click "Apply Here" to apply online today!
  • Click here for all official application terms and details.

Annual Fee

Interest Rate

17.45% (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

2. Simmons First Visa Platinum

Simmons First Visa Platinum Card Signup Apply Here
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee
  • No overdraft fees or balance minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Credit ScoreTracker1 with Free† direct deposit
  • Choose your card color - blue or pink
  • Click here for all official application terms and details.
Simmons First Visa Platinum Card Signup Apply Here

Annual Fee

Interest Rate

7.25% (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

3. 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.
Sequin KLS Prepaid Visa® RushCard Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

4. The Hawaiian Airlines® World Elite MasterCard®

The Hawaiian Airlines® World Elite MasterCard® Card Signup Apply Here
  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days*
  • Enjoy a complimentary 1st checked bag for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • Receive a one-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn 2X miles on direct purchases from Hawaiian Airlines and 1X miles on all other purchases
  • No foreign transaction fees on purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary
  • Earn 5,000 annual bonus miles after $10,000 in annual spend
  • See Terms and Conditions for details
  • Click here for all official application terms and details.
The Hawaiian Airlines® World Elite MasterCard® Card Signup Apply Here

Annual Fee

Interest Rate

15.99% or 24.99%* (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

5. ACE Elite™ Blue Visa® Prepaid Debit Card

ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup Apply Here
  • Enroll in direct deposit today - receive your account number immediately.
  • 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.*
  • Click here for all official application terms and details.
ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

6. First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card Card Signup Apply Here
  • First Progress Secured Card—The smart alternative to prepaid cards and expensive high fee/APR credit cards.
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
  • Program not available in NY, WI, and IA.
  • 24/7 Online Access to Your Account
  • Click here for all official application terms and details.
First Progress Platinum Prestige MasterCard® Secured Credit Card Card Signup Apply Here

Annual Fee

Interest Rate

11.99% (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

7. PayPal™ Prepaid MasterCard®

PayPal™ Prepaid MasterCard® Card Signup Apply Here
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
  • Card issued by MetaBank®, Member FDIC.
  • Click here for all official application terms and details.
PayPal™ Prepaid MasterCard® Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

8. First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card Card Signup Apply Here
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide
  • No Credit History or Minimum Credit Score Required for Approval!
  • Credit Limit is Secured by Your Refundable Deposit ($300 minimum)
  • Quick and Complete Online Application
  • Click here for all official application terms and details.
First Progress Platinum Elite MasterCard® Secured Credit Card Card Signup Apply Here

Annual Fee

$29

Interest Rate

19.99% Variable

Reports Payment

No

Editors Rating

3.7
Apply Now.

9. MoneyGram® AccountNow® Prepaid Visa® Debit Card

MoneyGram® AccountNow® Prepaid Visa® Debit Card Card Signup Apply Here
  • Add cash at over 40,000 U.S. MoneyGram agent locations
  • Direct deposit your paycheck or benefits check at no cost
  • No credit or ChexSystems checks
  • No risk of overdraft Fees
  • Get cash at virtually any ATM worldwide
  • Use it everywhere Visa debit card accepted
  • Easy online/mobile account access
  • Perfect for occasional usage
  • Click here for all official application terms and details.
MoneyGram® AccountNow® Prepaid Visa® Debit Card Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

10. ACE Elite™ Blue Visa® Prepaid Debit Card

ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup Apply Here
  • Enroll in direct deposit today - receive your account number immediately.
  • 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.*
  • Click here for all official application terms and details.
ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.