Perfect for people with bad credit

The credit cards on this page are for people with bad credit or for people that have problem credit and are looking to improve it.

Here are companies you can apply for online for a credit card. Many of them offer instant approval. Keep in mind with a secured credit card you are expected to put down a security deposit.

Unsecured Bad Credit Credit Cards

- POPULAR

Want a $500.00 credit card? Take control of your credit future. Guaranteed Instant Approval. No Application Fees. Bad credit accepted. Reports to a major credit bureau.

Intro APR	Regular APR	Intro APR Period	Monthly Fee (up to)	Balance Transfers
N/A*	N/A*	N/A*	$0*	Yes*

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. As a cardmember, you'll also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages are available to remind you of your upcoming payment due date with online enrollment. See what card you're more likely to get approved for, online, in just 30 seconds!

Intro APR	Regular APR	Intro APR Period	Monthly Fee (up to)	Balance Transfers
N/A*	14.99%-19.99%*	N/A*	$0 - $59 the first year, $35 - $59 per year thereafter*	Yes*

- Great Credit Builder

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	Regular APR	Intro APR Period	Monthly Fee (up to)	Balance Transfers
N/A*	14.99%-19.99%*	N/A*	$0 - $59 the first year, $35 - $59 per year thereafter*	Yes*

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
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	Regular APR	Intro APR Period	Monthly Fee (up to)	Balance Transfers
N/A*	14.99%-19.99%*	N/A*	$0 - $59 the first year, $35 - $59 per year thereafter*	Yes*

TIP & ADVICE: Tips on How to Repair Bad Credit with a Credit Card

Apply for an unsecured credit card for bad credit. If you can’t provide a cash deposit for a secured credit card, you may look for an unsecured bad credit credit card instead. These cards are especially made for people who are credit challenged and does not require a deposit.
Make sure that the credit card issuer will regularly report your account activities and payments to the three major credit bureaus (Experian, Equifax, TransUnion).
There are a lot of credit cards for bad credit that offer competitive rates and reasonable fees so spend a little more time comparing deals.
Be sure to sign up for automatic email and text message alerts to avoid missing a due date.
To minimize the risk of debt build-up, use your credit card for small purchases only and pay off your full balance before your due date.
To improve bad credit more quickly, do not use more than 30% of your available credit limit.