Credit cards for bad credit are intended for consumers with FICO scores below 580. Some of these cards require a security deposit, but many cards for bad credit are unsecured. Interest rates are typically higher, rewards are basic if offered at all, and some cards in this range may charge hefty fees, including setup and maintenance fees.
Showing 103 cards
Wescom Bruin Choice Visa
BAD CREDIT
Regular purchase APR is 18.40% to 28.40%
0% APR on purchases for 6 months
0% APR on balance transfers for 6 months
No annual fee
1.5% cash back per $1 spent. 5% cash back per $1 spent on select UCLA purchases
Earn 5,000 bonus points when you spend $500 within first 3 months
Card issued by Wescom Credit Union
Chase Freedom Rise
BAD CREDIT
Regular purchase APR is 25.49%
No annual fee
Earn 1.5% cash back on all purchases
Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
Earn 2% total cash back on Lyft rides through September 30, 2027
Get 6 months of complimentary access to DashPass
Having a Chase checking account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise
Card issued by Chase
Bank of America Unlimited Cash Rewards Secured
BAD CREDIT
Regular purchase APR is 27.74%
No annual fee
Earn unlimited 1.5% cash back on all purchases
Earn 2% cash back on purchases for the first year from account opening
Secured card
Card issued by Bank of America
Upgrade Card
BAD CREDIT
Regular purchase APR is 14.99% to 29.99%
No annual fee
$200 welcome bonus when you start using a new Rewards Checking account and make 3 purchases within 60 days
This is a nontraditional credit card that allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases or withdrawals up to the approved line amount
Card issued by Sutton Bank
Navy Federal cashRewards Secured
BAD CREDIT
Regular purchase APR is 18.00%
No annual fee
Earn unlimited 1% cash back on all purchases
3-month account review to determine eligibility for a credit line increase
6-month account review to determine eligibility for an unsecured cashRewards credit card
Secured card
Card issued by Navy Federal Credit Union
Discover it Secured
BAD CREDIT
Regular purchase APR is 26.49%
No annual fee
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% cash back on all other purchases
With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
After 7 months, there will be automatic monthly account reviews to see if you qualify to convert to an unsecured card and get your deposit back
Secured card
Card issued by Discover
Business Advantage Unlimited Cash Rewards Secured
BAD CREDIT
Regular purchase APR is 26.99%
No annual fee
Earn unlimited 1.5% cash back on all purchases
Secured card
Card issued by Bank of America
Bank of America Customized Cash Rewards Secured
BAD CREDIT
Regular purchase APR is 27.74%
No annual fee
3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
Secured card
Card issued by Bank of America
Petal 1 Visa
BAD CREDIT
Regular purchase APR is 28.24% to 33.24%
No annual fee
Earn 1% to 10% cash back at select merchants
Card issued by WebBank
State Farm Cash Rewards Secured Visa
BAD CREDIT
Regular purchase APR is 28.49%
No annual fee
3% cash back on insurance premium payments, up to $4,000 annually. 2% back at gas and EV charging stations, grocery stores and drugstores, and on dining. 1% back on all other purchases
Secured card
Card issued by U.S. Bank
U.S. Bank Cash+ Secured Visa Card
BAD CREDIT
Regular purchase APR is 28.49%
No annual fee
5% cash back on the first $2,000 in purchases each quarter in two categories you choose, and on prepaid reservations booked directly in the Travel Center. 2% back on one everyday category. 1% back on all other purchases
Secured card
Card issued by U.S. Bank
Associated Bank Visa Max Cash Secured Card
BAD CREDIT
Regular purchase APR is 29.99%
No annual fee
Earn 5% cash back on two categories you choose. 2% unlimited cash back on one everyday category of your choice. 1% unlimited cash back on all other eligible purchases
Secured card
Card issued by Elan Financial Services
Credit One Secured Card
BAD CREDIT
Regular purchase APR is 29.99%
No annual fee
Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
Secured card
Card issued by Credit One
OneMain Financial Brightway+ Mastercard
BAD CREDIT
Regular purchase APR is 33.99% to 35.99%
No annual fee
1% unlimited cash back on all eligible purchases
Qualify for rewards like a credit limit increase or APR decrease in as little as six months
Credit limit up to $3,000
Must be invited to apply
Card issued by WebBank
Truist Enjoy Cash Secured
BAD CREDIT
Regular purchase APR is 24.49%
Annual fee is $19
Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
Secured card
Card issued by Truist
First Latitude Secured Mastercard
BAD CREDIT
Regular purchase APR is 23.49%
Annual fee is $29
1% cash back rewards on all purchases
Secured card
Card issued by Synovus
TD Cash Secured
BAD CREDIT
Regular purchase APR is 26.49%
Annual fee is $29
Earn 3% and 2% cash back on categories you choose, and 1% back on all other purchases
Secured card
Card issued by TD Bank
First Citizens Secured Cash Back Credit Card
BAD CREDIT
Regular purchase APR is 27.24%
Annual fee is $29
Earn 1% cash back on every $1 you spend on qualified purchases
Secured card
In-branch application required
Card issued by First Citizens Bank
First Digital Card
BAD CREDIT
Regular purchase APR is 35.99%
Annual fee the first year is $75, then $48
1% cash back rewards on all purchases
Applicant can select either Mastercard or Visa network
This card may assess setup and maintenance fees. Please review the card agreement.
Card may not be used at automated fuel pumps, for gambling transactions, or at merchants outside the United States
Card issued by Synovus
Revvi
BAD CREDIT
Regular purchase APR is 35.99%
Annual fee the first year is $75, then $48
1% cash back rewards provided on the amount of payments applied to your card
This card may assess setup and maintenance fees. Please review the card agreement.
Must have a checking account for approval. Must pay an $89 program fee to open card account
Card may not be used at automated fuel pumps, for online gambling transactions, or anywhere outside the United States
Card issued by MRV Banks
First Progress Secured Mastercard
BAD CREDIT
Regular purchase APR is 13.49%
Annual fee is $49
1% cash back rewards on all purchases
Secured card
Card issued by Synovus
Petal 1 Rise Visa
BAD CREDIT
Regular purchase APR is 28.24% to 33.24%
Annual fee is $59
1% to 10% cash back at select merchants
Card issued by WebBank
OneMain Brightway 1.5% Cashback
BAD CREDIT
Regular purchase APR is 33.99% to 35.99%
Annual fee is $0 to $89
1.5% unlimited cash back on all eligible purchases
Qualify for rewards like a credit limit increase or APR decrease in as little as six months
Credit limit up to $3,000
Must be invited to apply
Card issued by WebBank
OneMain Financial Brightway Mastercard
BAD CREDIT
Regular purchase APR is 33.99% to 35.99%
Annual fee is $0 to $89
1% unlimited cash back on all eligible purchases
Qualify for rewards like a credit limit increase or APR decrease in as little as six months
Credit limit up to $1,500
Must be invited to apply
Card issued by WebBank
Platinum Visa for Rebuilding Credit
BAD CREDIT
Regular purchase APR is 29.99%
Annual fee the first year is $75, then $99
Get 1% cash back rewards on eligible gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
Card issued by Credit One
Vegas Golden Knights Credit Card
BAD CREDIT
Regular purchase APR is 29.99%
Annual fee is $0 to $99
Get 1% cash back rewards on eligible gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
Get access to deals, discounts, and experiences for Vegas Golden Knights fans
Card issued by Credit One
First Access Card
BAD CREDIT
Regular purchase APR is 35.99%
Annual fee is $48 to $125
Earn 1% cash back on all eligible purchases
This card may assess setup and maintenance fees. Please review the card agreement.
Must have a checking account for approval. Must pay a $95 program fee to open card account
Card may not be used at automated fuel pumps, for gambling transactions, or at merchants outside the United States
Card issued by The Bank of Missouri
Total Card Visa
BAD CREDIT
Regular purchase APR is 35.99%
Annual fee is $48 to $125
Earn 1% cash back rewards on all eligible purchases
This card may assess setup and maintenance fees. Please review the card agreement.
Must have a checking account for approval. Must pay a $95 program fee to open card account
Card may not be used at automated fuel pumps, for online gambling transactions, or anywhere outside the United States
Card issued by The Bank of Missouri
Aspire Cash Back Rewards Mastercard
BAD CREDIT
Regular purchase APR is 29.99% to 36.00%
Annual fee is $0 to $175
Earn 1% cash back rewards on all eligible purchases
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
Fortiva Mastercard
BAD CREDIT
Regular purchase APR is 36.00%
Annual fee is $49 to $175
Earn 3% cash back rewards on gas, grocery purchases, and utility bill payments. 1% back on all other eligible purchases
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
Amazon Secured Card
BAD CREDIT
Regular purchase APR is 10.00%
No annual fee
Rewards
Secured card
Card issued by Synchrony Bank
Rivermark Secured
BAD CREDIT
Regular purchase APR is 10.90%
No annual fee
Secured card
Card issued by Rivermark Community Credit Union
Patelco Pure Secured Mastercard
BAD CREDIT
Regular purchase APR is 11.20%
No annual fee
Secured card
Card issued by Patelco Credit Union
Sound Select Secured
BAD CREDIT
Regular purchase APR is 12.20% to 23.20%
No annual fee
Secured card
Card issued by Sound Credit Union
East West Bank Secured Credit Card
BAD CREDIT
Regular purchase APR is 12.99%
No annual fee
Secured card
Must apply via the bank's mobile app or visit a branch
Card issued by East West Bank
SchoolsFirst FCU Share Secured Mastercard
BAD CREDIT
Regular purchase APR is 13.90%
No annual fee
Secured card
Card issued by SchoolsFirst FCU
Gesa Wise Secured Card
BAD CREDIT
Regular purchase APR is 14.24% to 25.99%
0% APR on balance transfers for 6 months
No annual fee
Secured card
Card issued by Gesa Credit Union
First Tech Platinum Secured Mastercard
BAD CREDIT
Regular purchase APR is 14.25% to 18.00%
No annual fee
Rewards
Earn 1 rewards point for every dollar spent on your everyday purchases
Secured card
Card issued by First Tech
RCU Visa Credit Builder
BAD CREDIT
Regular purchase APR is 14.74% to 21.00%
No annual fee
Rewards
Earn 1X reward points per $1 spent
RCU issues secured and unsecured versions of this card. Check with the credit union regarding the deposit requirements for the secured card
Card issued by Redwood Credit Union
Golden 1 Member First Card
BAD CREDIT
Regular purchase APR is 15.04%
No annual fee
Secured card
Card issued by Golden 1 Credit Union
Cadence Bank Secured Mastercard
BAD CREDIT
Regular purchase APR is 15.15%
No annual fee
Rewards
Earn a rewards point for every dollar you spend
Secured card
In-branch application required
Card issued by Cadence Bank
Affinity Secured Visa
BAD CREDIT
Regular purchase APR is 15.85%
No annual fee
Secured card
Card issued by Affinity FCU
Ocean Bank Platinum
BAD CREDIT
Regular purchase APR is 16.99%
0% APR on purchases for 12 months
0% APR on balance transfers for 12 months
No annual fee
Card is secured by certificate of deposit
Secured card
Card issued by Ocean Bank
SDFCU Savings Secured Platinum Rewards
BAD CREDIT
Regular purchase APR is 17.24%
No annual fee
Rewards
Earn 1 Flexpoints Rewards point for every $1 spent
Secured card
Card issued by State Department Federal Credit Union
American Eagle FCU Secured Visa
BAD CREDIT
Regular purchase APR is 18.00%
No annual fee
Secured card
Card issued by American Eagle FCU
USALLIANCE Visa Secured
BAD CREDIT
Regular purchase APR is 18.00%
No annual fee
Secured card
Card issued by USALLIANCE
VyStar Savings Secured Visa
BAD CREDIT
Regular purchase APR is 18.00%
No annual fee
Secured card
Card issued by VyStar Credit Union
X1 Card
BAD CREDIT
Regular purchase APR is 20.24% to 29.99%
No annual fee
Rewards
2X points on every purchase regardless of category. 3X points for the entire year if you spend $15,000. 4X, 5X, and even 10X points for every invited friend who gets a card
Shop in the X1 app and earn up to 10X points at leading online stores
Activate boosts on your everyday spending to earn even more points
Credit limits up to 5X higher than traditional cards
The X1 Card application weighs your income more heavily than your credit score. You may be required to allow access to your bank account via a third-party service such as Plaid in order to be approved
Card issued by Coastal Community Bank
First Horizon Bank Secured Visa
BAD CREDIT
Regular purchase APR is 21.00%
No annual fee
Secured card
Must call or visit a banking center to apply
Card issued by First Horizon Bank
M&T Secured Credit Card
BAD CREDIT
Regular purchase APR is 22.49%
No annual fee
Periodic reviews of your account to determine if you meet the criteria to graduate to an unsecured credit card and have your security deposit returned
Secured card
Card issued by M&T Bank
Citizens Trust Bank Visa Classic Secured
BAD CREDIT
Regular purchase APR is 22.99%
No annual fee
Can be upgraded to unsecured status
Secured card
Card issued by Citizens Trust Bank
Arrowhead Share-Secured Visa
BAD CREDIT
Regular purchase APR is 23.24%
No annual fee
Secured card
Card issued by Arrowhead Credit Union
FNBO Rewards Secured Visa
BAD CREDIT
Regular purchase APR is 23.99%
No annual fee
Rewards
Earn unlimited 1X points on every purchase
Secured card
Card issued by FNBO
City National Now
BAD CREDIT
Regular purchase APR is 24.25% to 28.25%
No annual fee
Rewards
1 point per $1 spent
In-branch application required
City National issues secured and unsecured versions of this card. Check with the bank regarding the deposit requirements for the secured card
Card issued by City National Bank
BankAmericard Secured
BAD CREDIT
Regular purchase APR is 24.74%
No annual fee
Secured card
Card issued by Bank of America
PNC Secured
BAD CREDIT
Regular purchase APR is 25.49%
No annual fee
Secured card
In-branch application required
Card issued by PNC Bank
Citi Secured Mastercard
BAD CREDIT
Regular purchase APR is 25.99%
No annual fee
Secured card
Card issued by Citi
USAA Secured American Express Credit Card
BAD CREDIT
Regular purchase APR is 26.90%
No annual fee
Secured card
Card issued by USAA
USAA Secured Visa Platinum Credit Card
BAD CREDIT
Regular purchase APR is 26.90%
No annual fee
Secured card
Card issued by USAA
U.S. Bank Secured Visa Card
BAD CREDIT
Regular purchase APR is 27.49%
No annual fee
Secured card
Card issued by U.S. Bank
Bank of America Travel Rewards Secured
BAD CREDIT
Regular purchase APR is 27.74%
No annual fee
Bank of America Preferred Rewards members earn 25%-75% more points on every purchase
Secured card
Card issued by Bank of America
Citizens Amp
BAD CREDIT
Regular purchase APR is 27.74%
No annual fee
Card issued by Citizens Bank
Key Secured Credit Card
BAD CREDIT
Regular purchase APR is 28.24%
No annual fee
Secured card
Card issued by KeyBank
Simmons Bank Foundation Visa
BAD CREDIT
Regular purchase APR is 28.24%
No annual fee
Secured card
Card issued by Simmons Bank
U.S. Bank Altitude Go Secured Visa Card
BAD CREDIT
Regular purchase APR is 28.49%
No annual fee
Rewards
$15 streaming service credit after 11 months of streaming purchases
Secured card
Card issued by U.S. Bank
Associated Bank Secured Visa Credit Card
BAD CREDIT
Regular purchase APR is 29.24%
No annual fee
Secured card
Card issued by Elan Financial Services
Platinum Secured
BAD CREDIT
Regular purchase APR is 29.49%
No annual fee
Secured card
Card issued by Capital One
OpenSky Plus Secured Visa
BAD CREDIT
Regular purchase APR is 29.74%
No annual fee
Secured card
Card issued by Capital Bank
Pay with GasBuddy+ Card
BAD CREDIT
Charge card
No annual fee
Earn an extra 3 cents per gallon savings for every $25 you spend on non-fuel purchases inside the convenience store
Exclusive deals and discounts
The Pay with GasBuddy+ card is linked to your bank account and payments are made by ACH debits from your bank account
Card issued by Fifth Third Bank
Tomo Credit Card
BAD CREDIT
Charge card
No annual fee
Spending power ranges from $100 - $10,000
7-day automatic payment feature
No credit history required
The Tomo card uses third-party service providers such as Plaid to integrate your bank account and access data like your current balance
Card issued by Community Federal Savings Bank
MidFirst Bank Secured Credit Card
BAD CREDIT
Regular purchase APR is 23.24%
Annual fee is $19
Secured card
In-branch application required
Card issued by MidFirst Bank
SDCCU Share Secured Visa Classic
BAD CREDIT
Regular purchase APR is 15.00%
Annual fee is $20
Secured by a portion of the shares you have on deposit at SDCCU in an amount equal to 120% of your approved credit limit
Secured card
Card issued by San Diego County Credit Union
Fifth Third Secured Card
BAD CREDIT
Regular purchase APR is 29.24%
Annual fee is $24
Secured card
Card issued by Fifth Third Bank
First Commonwealth Secured Credit Card
BAD CREDIT
Regular purchase APR is 17.24% to 20.24%
Annual fee is $25
Secured card
Card issued by First Commonwealth Bank
Kinecta MyPlan Secured
BAD CREDIT
Regular purchase APR is 18.00%
Annual fee is $25
Secured card
Card issued by Kinecta FCU
Regions Explore Visa Credit Card
BAD CREDIT
Regular purchase APR is 28.24%
Annual fee is $29
Secured card
Card issued by Regions
OpenSky Secured Visa
BAD CREDIT
Regular purchase APR is 22.39%
Annual fee is $35
Secured card
Card issued by Capital Bank
Merrick Bank Classic Secured Credit Card
BAD CREDIT
Regular purchase APR is 22.70%
Annual fee is $36
Secured card
Card issued by Merrick Bank
Merrick Bank Double Your Line Secured Credit Card
BAD CREDIT
Regular purchase APR is 22.70%
Annual fee is $36
Deposit $200, which becomes your credit line. Your credit line will double to $400 without another deposit by making at least your minimum payment on time each month for the first 7 months
Secured card
Card issued by Merrick Bank
UNITY Visa Secured Card
BAD CREDIT
Regular purchase APR is 17.99%
Annual fee is $39
Secured card
Card issued by OneUnited Bank
Prosper Card
BAD CREDIT
Regular purchase APR is 24.24% to 35.24%
No annual fee the first year, then $39
Annual fee waived the first year if you sign up for autopay before your first statement
Card issued by Coastal Community Bank
Academy Bank Credit Builder Secured Visa
BAD CREDIT
Regular purchase APR is 25.99%
Annual fee is $39
Upgrade to an unsecured card with good performance
Secured card
Card issued by Academy Bank
Applied Bank Secured Visa Gold Preferred
BAD CREDIT
Regular purchase APR is 9.99%
Annual fee is $48
Increase your credit limit up to $5,000 by adding additional deposits any time after your application has been approved
Secured card
Card issued by Applied Bank
Commerce Bank Secured Visa
BAD CREDIT
Regular purchase APR is 21.74%
Annual fee is $49
Secured card
In-branch application required
Card issued by Commerce Bank
Destiny Mastercard
BAD CREDIT
Regular purchase APR is 35.90%
Annual fee the first year is $175, then $49
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
Milestone Mastercard
BAD CREDIT
Regular purchase APR is 35.90%
Annual fee the first year is $175, then $49
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
PREMIER Bankcard Secured Credit Card
BAD CREDIT
Regular purchase APR is 19.90%
Annual fee is $50
Secured card
Card issued by First PREMIER Bank
1st Financial Bank USA Visa Gold Card
BAD CREDIT
Regular purchase APR is 35.15%
0% APR on purchases for 12 months
No annual fee the first year, then $25 to $55
Card issued by 1st Financial Bank USA
Merrick Bank Credit Card
BAD CREDIT
Regular purchase APR is 24.45% to 30.70%
No annual fee the first year, then $0 to $72
If you use your card and make at least your minimum payment on time every month for the first 7 months, your credit line will automatically double
This card may assess setup and maintenance fees. Please review the card agreement.
Must receive mail offer to apply
Card issued by Merrick Bank
Mission Lane Visa
BAD CREDIT
Regular purchase APR is 19.99% to 29.99%
Annual fee is $0 to $75
Card issued by Transportation Alliance Bank
Blaze Mastercard
BAD CREDIT
Regular purchase APR is 29.90%
Annual fee is $75
Card issued by First Savings Bank
Indigo Mastercard
BAD CREDIT
Regular purchase APR is 24.90%
Annual fee the first year is $75, then $99
Card issued by Celtic Bank
Reflex Mastercard
BAD CREDIT
Regular purchase APR is 29.99%
Annual fee is $75 to $99
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by Celtic Bank
Surge Mastercard
BAD CREDIT
Regular purchase APR is 29.99%
Annual fee is $75 to $99
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by Celtic Bank
OppFi Card
BAD CREDIT
Regular purchase APR is 35.99%
Annual fee is $99
Card issued by First Electronic Bank
Today Card
BAD CREDIT
Regular purchase APR is 36.00%
Annual fee is $120
Card issued by Capital Community Bank
Verve Mastercard
BAD CREDIT
Regular purchase APR is 29.99% to 35.90%
Annual fee is $49 to $125
Initial credit limit ranges from $300 to $1,000
This card may assess setup and maintenance fees. Please review the card agreement.
Must have received offer to apply
Card issued by The Bank of Missouri
Cerulean Mastercard
BAD CREDIT
Regular purchase APR is 35.90%
Annual fee is $125
Initial credit limit ranges from $300 to $1,000
This card may assess setup and maintenance fees. Please review the card agreement.
Must have received offer to apply
Card issued by The Bank of Missouri
FIT Mastercard
BAD CREDIT
Regular purchase APR is 35.90%
Annual fee the first year is $99, then $125
Initial credit limit of $400
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
PREMIER Bankcard Mastercard
BAD CREDIT
Regular purchase APR is 36.00%
Annual fee is $50 to $125
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by First PREMIER Bank
Aspire Mastercard
BAD CREDIT
Regular purchase APR is 29.99% to 36.00%
Annual fee is $0 to $175
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
Aspire Protect Mastercard
BAD CREDIT
Regular purchase APR is 29.99% to 36.00%
Annual fee is $29 to $175
Cell phone protection
Roadside assistance
Identity theft reimbursement and resolution
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by The Bank of Missouri
Imagine Visa Credit Card
BAD CREDIT
Regular purchase APR is 36.00%
Annual fee is $49 to $175
This card may assess setup and maintenance fees. Please review the card agreement.
Card issued by WebBank
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