US National Credit Cards

Card Offers For People With Bad Or No Credit

When you have bad or no credit, your credit card options can be few. Although the fees will be higher, a secured credit card can be a good option to get on the fast track to help re-build or establish credit.

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11 Offers -

Reflex Mastercard®

Rewards: None
For Fair or Poor Credit
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • 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
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 25.90% - 29.99% See Terms Be the First
Applied Bank® Unsecured Classic Visa® Card

Rewards: None
For Fair to Bad Credit
  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All Three Major Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
  • 24/7 Online Account Access and Payment Options
  • E-mail Payment reminders help you keep your account in good standing
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
See website for Details* See website for Details* None See website for Details* See website for Details* Be the First
First Progress Platinum Prestige MasterCard® Secured Credit Card

Rewards: None
For Bad Credit
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 9.99% (V)* $49 Be the First
Surge Mastercard®

Rewards: None
For Fair or Poor Credit
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • 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
  • Free online account access 24/7
  • Checking Account Required
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 25.90% - 29.99% See website for Details* Be the First

Total VISA Credit Card

Rewards: None
For Bad Credit
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (Subject to available credit).
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None See Terms* See Terms* 2 Reviews
Applied Bank® Secured Visa® Gold Preferred® Credit Card

Rewards: None
For Bad Credit
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 9.99% $48 Be the First
Merrick Bank Secured Visa® from Merrick Bank

Rewards: None
For Bad Credit
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 17.45% Variable $36 for first year. Billed $3 per month thereafter Be the First
First Digital Mastercard®

Rewards: None
For Bad Credit
  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.99% $75.00 for first year. After that, $48.00 annually Be the First
First Access VISA® Credit Card

Rewards: None
For Bad Credit
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • $300 credit limit (Subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None See Terms* See Terms* Be the First
OpenSky® Secured Visa® Credit Card

Rewards: None
For Bad Credit
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 17.39% (V)* $35 Be the First
FIT Mastercard®

Rewards: None
For Fair or Poor Credit
  • 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
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required
compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 29.99% See Terms Be the First


†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities