Bad or No Credit Credit Cards
Reviews and opinions of the best credit card offers available to borrowers with no credit, limited credit, or damaged credit. In our experience, most applicants qualify for these cards regardless of past credit problems.
Reviewed in Bad or No Credit Credit Cards
- Editor’s Pick: Bad Credit - Orchard Bank MasterCards provide people with bad credit the chance to get a credit cards with low fees, a low APR, and more.
If you’re looking for a card with built in benefits you can use on a daily basis and that provides you with the opportunity to establish better credit at the same time, you may be interested in the Orchard Bank Primary Cards. Over the years, millions of people have used this group of cards to build their credit history.
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
as low as 8.90%
Varies Based on Credit
Continued
Reviewed in Bad or No Credit Credit Cards
- The Tribute® Gold MasterCard® Credit Card is an unsecured credit card for borrowers with poor credit.
Having problems getting a credit card due to past credit history? The Tribute® Gold MasterCard® Credit Card could be the right card for you! APPLY NOW!
» Low credit score OK!
» Reports to the Major Credit Bureaus
» Quick Online Decision
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
P+13.5% (min 19.5%)
$150*
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor’s terms may include more detailed or updated information than this chart.
Continued
Reviewed in Bad or No Credit Credit Cards, Editor's Picks, MasterCard Credit Cards
- The Continental Finance Gold MasterCard offers anybody with less-than-perfect credit the opportunity to get a card with a low interest rate and a very reasonable annual fee.
» Rates as low as 9.75% APR*
» Unsecured MasterCard Accepted at Millions of Locations Worldwide
» Monthly reporting to the Major Credit Bureaus
» Free Online Access
» Excellent Online Tools for Managing Your Finances
» Semi-Annual Credit Limit Increases*
» Prestige of carrying a Gold card
*See website for terms and conditions.
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
as low as 9.75%
$25
Continued
Reviewed in Bad or No Credit Credit Cards
- The Total Visa® Card offers an instant credit decision and qualifies many people with bad credit, no credit, or who have been denied credit. This card offers:
» Instant On-Line Decision
» Free 24 hour Online Account Access
» Monthly Reporting to Credit Bureaus
» Fraud Protection
» Outstanding Customer Service
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
N/A
19.92%
$48
Continued
Reviewed in Average Credit Credit Cards, Bad or No Credit Credit Cards, Capital One Credit Cards, Cash Rewards Credit Cards, Visa Credit Cards
- The Capital One® No Hassle Cash Rewards provides borrowers with average or limited credit histories the opportunity to earn 1% cash back on every purchase and more:
» 25% annual bonus on the cash you earn
» 1% cash back on every purchase
» 0% APR on purchases until December 2008. After that, variable APR, currently 16.65%*
» No limit on cashback and rewards won’t expire for the life of your account
» Redeem cash whenever you want
FICO Req’d
Intro
Regular APR
Fee
Average
0% until Dec ‘08
16.65% V*
$29
Reviewed in Average Credit Credit Cards, Bad or No Credit Credit Cards, Capital One Credit Cards
- If your credit is average or limited, the Capital One® Standard Platinum offers:
» Great choice if you carry a balance short-term
» 0% on purchases until December 2008. After that, variable APR, currently 19.55%*
» No annual fee
» Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping
» Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
FICO Req’d
Intro
Regular APR
Fee
Average
0% until Dec ‘08*
19.55% V*
None
*0% APR until December 2008 applies to purchases only. Variable regular APR.
Reviewed in Average Credit Credit Cards, Bad or No Credit Credit Cards, Capital One Credit Cards
- The Capital One® Platinum MaxSM gives you:
» 16.9% fixed on purchases for 3 years
» Fixed rate won’t increase for three years—no matter what
» No cash advance fee
» Exclusive savings: up to 40% off featured deals and 10% savings on everything else
FICO Req’d
Intro
Regular APR
Fee
Reviewed in Bad or No Credit Credit Cards
- The Horizon Gold Credit Card provides immediate approval for a $3,000 credit limit with no credit or employment checks to anybody in the U.S. already in possession of a valid credit or debit card.
In addition, the Horizon Card provides regular reports to all three credit bureaus and regular credit line increases based upon responsible account management.
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
Varies
$0
Reviewed in Bad or No Credit Credit Cards
- The UltraVX Visa is a secured credit card providing credit lines up to $25,000, and one of the only secured credit cards to offer real credit card rewards.
Get the UltraVX Visa Card and rebuild credit the smart way. The UltraVX Visa is one of the only no-credit credit cards to offer rewards. You’ll get 1 point for each $1 spent and can redeem points for travel with Southwest Airlines, American Airlines, JetBlue, Marriott, and others.
UltraVX is a secured credit card, meaning deposits to a savings account tied to the credit card determine your credit limit. But even though your credit line is backed by your bank account, you’ll still build your credit score by using your UltraVX — something you wouldn’t do if by paying cash or with a debit card.
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
14.90%
$29.95
Reviewed in Bad or No Credit Credit Cards
- The Rewards 660 Visa Card provides an unsecured credit line to borrowers with any credit score. Don’t deny yourself any longer! Submit an application for the Rewards 660 Visa® credit card today!
»No Fee Credit Limit Increases*
» $75 Increments
» As Often as Every 3 Months
» Automatic Grant Upon Qualification
» $300 Starting and $2,000 Maximum Credit Limit
» Fast Online Response
» Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax)
» FREE Online Account Access
» FREE Online Payments
*See qualifications
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
19.92%
$48
Continued
Reviewed in Bad or No Credit Credit Cards
- If you have been turned down for credit cards because of your credit score you may still qualify for the Access Visa® Card.
The Access Visa® Card gives you an instant online decision and features 24 hour online account access, outstanding personal customer service, regular reporting to all three credit bureaus, and more.
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
19.92%
$48
Reviewed in Bad or No Credit Credit Cards, MasterCard Credit Cards
- The Continental Finance MasterCard provides an unsecured MasterCard to borrowers of any credit level with a low annual fee.
» Get Your Application Results in Seconds
» Monthly reporting to the Major Credit Bureaus
» Free Online Access
» Excellent Online Tools for Managing Your Finances
» Semi-Annual Credit Limit Increases*
» No Minimum Monthly Income Requirements
» Unsecured MasterCard Accepted at Millions of Locations Worldwide
*See website for other fees, rates and terms and conditions
FICO Req’d
Intro
Regular APR
Fee
Bad Credit OK
None
19.92%
$50
Review, compare, and apply for the best credit card offers online. Each credit card on our site is hand-picked by our researchers. Questions? 
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