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Bad Credit Credit Cards

Reviews and opinions of the best credit card offers available to borrowers with limited credit or damaged credit. In our experience, most applicants qualify for these cards regardless of past credit problems.

Orchard Bank® Classic MasterCard®

Orchard Bank Classic MasterCard

Editor’s Rating: — Editor’s Pick: Bad Credit — The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds!

  • An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • Knowledgeable customer service representatives to assist you with questions or concerns
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 14.99% – 24.99% $0 Bad Credit

*Additional Rate and Fee Information:

  • Variable Purchase APR: 14.99% – 24.99%, or 7.99% for secured cards
  • Annual Fee:$39 or $59 the first year, or $0 – $49 Introductory the first year, then either $35 or $59 per year thereafter
  • Late Fee:Up to $35
  • Variable Balance Transfer APR: 14.99% – 24.99%, or 7.99% for secured cards
  • Variable Penalty APR: 29.99%

*Orchard Bank’s goal is to provide you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. Please see the Orchard Bank Website for a complete list of terms.

Capital One® Secured MasterCard®

Capital One® Secured MasterCard®

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Editor’s Rating:

  • Get the credit you need with no processing fees or application fees
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • Your refundable security deposit can get you a line up to $3000
  • You may qualify for credit line increases with no further security deposit required
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 22.9% (V) $29 Limited/Bad

Credit One Bank – Visa® Platinum Card

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Editor’s Rating: — See if you’re pre-qualified for the Credit One Bank credit card. It’s easy, fast and won’t affect your credit score! It takes less than a minute. Just give us a little information, review your available offer and then apply!

  • Pre-Qualify for a Visa credit card without affecting your credit score
  • Get a starting credit line up to $1,500
  • No enrollment and no over the credit limit fees
  • Choose your card design from our premium gallery
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 23.90% $75* Bad

*Annual Fee: $75 first year (Introductory period). $99 thereafter, billed monthly at $8.25.

AccountNow Prepaid Visa

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Editor’s Rating: — The AccountNow Prepaid Visa combines the convenience and ease of a no-credit-check prepaid debit card.

  • Guaranteed Approval * – Upon Successful ID Verification
  • No Credit Check
  • No Overdraft Fees
  • No Bounced Checks
  • No Minimum Balance
  • No CheckSystem’s Verification
  • Instant Account Number
  • Easy Online Bill Pay
  • No Monthly Fee
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A N/A $0 No Credit Needed