Credit Cards for Bad Credit (2024)

Find credit cards from Mastercard for people with bad credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.

Capital One Platinum Secured Credit Card

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See Rates & Fees

  • No annual or hidden fees. See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% (Variable)

Annual fee
$0
Credit needed
Limited, Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Destiny Mastercard® – $700 Credit Limit

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  • Greater access to credit than before – $700 credit limit
  • Unsecured credit card, no security deposit required
  • Worry-free Fraud Protection* if your card is lost or stolen
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Quick and easy application process with a typical decision in 60 seconds or less
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See terms*

Annual fee
See terms*
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Fortiva® Mastercard® Credit Card

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  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% or 36% (Variable)

Annual fee
As low as $85
Credit needed
Good/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Aspire® Cashback Reward Card

Apply online Secure

  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% or 36% Variable

Annual fee
As low as $85
Credit needed
Good/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Elite Mastercard® Secured Credit Card

Apply online Secure

  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
25.24% (Variable)

Annual fee
$29
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Milestone Mastercard® – $700 Credit Limit

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  • Greater access to credit than before – $700 credit limit
  • No security deposit required, even with less than perfect credit
  • Account history is reported to the three major credit bureaus in the U.S
  • Get a Mastercard accepted online, in store and in app
  • 24/7 access to your account information, even on mobile
  • Applying is quick and easy with our fast decision process

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See terms*

Annual fee
See terms*
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Latitude Select Mastercard® Secured Credit Card

Apply online Secure

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!**
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • **Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
19.24% Variable

Annual fee
$39.00
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Grey Credit Card

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  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Poor Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

OneMain Financial BrightWay® Card

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See Rates & Fees

  • Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months
  • Building your credit? We report to the major credit bureausand good payment habits can pay off
  • Earn unlimited 1% cash back on purchases
  • Continue to earn rewards each time you make 6 consecutive on-time payments
  • You won’t be responsible for unauthorized charges with zero fraud liability
  • Experience the protection and global coverage of Mastercard®
  • BrightWay cards are issued by WebBank

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.99%

Annual fee
$75
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Surge® Platinum Mastercard®

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  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.90% Fixed

Annual fee
$75 – $125
Credit needed
See website for Details*

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Mastercard® Credit Card

Apply online Secure

  • Everyone deserves a chance to build credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

FIT™ Platinum Mastercard®

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  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.90% Fixed

Annual fee
$99 introductory fee for the first year, then $125 thereafter
Credit needed
Fair/Poor/Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Prestige Mastercard® Secured Credit Card

Apply online Secure

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
15.24% (Variable)

Annual fee
$49
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Reflex® Platinum Mastercard®

Apply online Secure

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.90% Fixed

Annual fee
$75 – $125
Credit needed
Fair/Poor/Bad/Limited

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Select Mastercard® Secured Credit Card

Apply online Secure

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
19.24% (Variable)

Annual fee
$39
Credit needed
Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Mastercard® Credit Card

Apply online Secure

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Credit Cards for Bad Credit (2024)

FAQs

What is the easiest card to get with bad credit? ›

NerdWallet's Best Credit Cards for Bad Credit of May 2024
  • Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + easy account management.
  • Mission Lane Visa® Credit Card: Best for No-deposit alternative.
  • Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Rewards + upgrading.

What credit card has a $5000 limit with bad credit? ›

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

What credit card has a $2000 limit for bad credit? ›

First Latitude Select Mastercard® Secured Credit Card

Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards! Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit.

Is there an unsecured credit card that approves everyone? ›

In fact, Petal says you could be approved for the Petal® 2 Visa® Credit Card without any credit scores or credit history whatsoever. And as an extra perk, the Petal® 2 Visa® Credit Card offers its cardholders 1% to 1.5% in cash back rewards. You start out earning 1% cash back on all purchases.

What is a second chance credit card? ›

If you've had some credit bumps in the past, a second-chance credit card with no security deposit can help you rebuild your credit without needing to give up a couple hundred dollars upfront.

Which Bank approves a credit card easily? ›

The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.

What credit card approves a 500 score? ›

Comparing the best cards for a 500 credit score
Card nameAnnual feeSecurity deposit
Discover it Secured® Secured Credit card$0$200
Petal® 2 “Cash Back, No Fees” Visa® Credit card$0None
Mission Lane Visa® Credit card$0 to $59None
Indigo® Mastercard®$0 to $99None
2 more rows
Jan 25, 2024

What's the lowest credit score to get a credit card? ›

Can I get an unsecured credit card with a 500 credit score? Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card.

Can I get a credit card with a $500 credit limit? ›

As an example, the Credit One Bank Wander® Card for fair credit offers credit limits that start at $500. Good credit. If you have good credit — a FICO score of 670 or higher — you'll likely be approved for a higher credit limit than you would with fair credit.

What credit card is the easiest to get? ›

NerdWallet's Easiest Credit Cards to Get of June 2024
  • OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
  • Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
  • Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.

Which credit card has no credit check guaranteed approval? ›

Comparing the best instant approval credit cards
CardOur Favorite Feature
OpenSky® Secured Visa® Credit CardNo credit check needed
Discover it® Secured Credit CardBuilding credit with no annual fee
Blue Cash Preferred® Card from American ExpressCash back
Self — Credit Builder AccountImproving credit
4 more rows
Apr 25, 2024

Can you get a credit card with bad credit and no money down? ›

Prosper offers the Prosper® Card for those with bad credit that doesn't require a security deposit. It has a low, $39 (waived for the first year if you sign up for AutoPay before your first statement) annual fee.

What is the easiest unsecured card to get with bad credit? ›

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

How do I get a credit card if no one will approve me? ›

Credit invisibility can make things like getting approved for a credit card or a loan more difficult or costly. It's possible to get a credit card with no credit. You might consider applying for a secured credit card, student credit card or retail store credit card to help establish and build your credit.

What is the easiest Bank of America credit card to get? ›

The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.

What is the easiest credit card to get for beginners? ›

More Information on the Easiest Credit Cards To Get
  • Discover it® Secured Credit Card. [ jump to details ] ...
  • Bank of America® Customized Cash Rewards Secured Credit Card * ...
  • Navy FCU nRewards® Secured Credit Card * ...
  • Petal® 1 “No Annual Fee” Visa® Credit Card * ...
  • Credit One Bank® Platinum Visa® for Rebuilding Credit *
May 28, 2024

Can I get approved for a credit card with a score of 500? ›

The selection of cards you qualify for with a score under 500 may be limited and will often come without many rewards or perks—and may include a security deposit requirement or charge higher-than-average APRs and fees.

What is the easiest unsecured credit card to get with a 500 credit score? ›

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

What credit card is easiest to get with no credit? ›

The Chase Freedom Rise℠ Credit Card is our top pick for best credit card for no credit because it requires no credit score to apply, charges a $0 annual fee and allows you to earn rewards while building or rebuilding your credit.

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