Credit Card offers for Bad Credit History Applicants

Reflex Mastercard®

Rewards: None
For Fair, Bad, Limited 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)
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

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	24.99% - 29.99% (Variable)	See Terms	Be the First

Merrick Bank Double Your Line™ Secured Visa®

Rewards: None
For Bad, Limited or No Credit

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
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. We report your payment history 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 available 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 the first year. Billed $3 per month thereafter	Be the First

Petal® 1 "No Annual Fee" Visa® Credit Card

Rewards: Cash Back
For Fair, Bad, Limited or No Credit

$0 Annual Fee
$500-$5,000 credit limits
Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
No credit score? No problem. If eligible, we'll create and use your Cash Score instead.
2%-10% cash back from select merchants
Variable APRs 19.99-29.49% APR
No annual or international transaction fees.
Build credit alongside tens of thousands of Petal Card members
Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
See if you're pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, Member FDIC

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	19.99 - 29.49% Variable	$0	Be the First

Applied Bank® Unsecured Classic Visa® Card

Rewards: None
For Fair, Bad, Limited 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
N/A	N/A	None	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
Multiple card designs available

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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, Limited or No 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 Progress Platinum Prestige MasterCard® Secured Credit Card

Rewards: None
For Bad, Limited or No Credit

Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
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
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
24/7 Online Access to Your Account
Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

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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

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

Surge Mastercard®

Rewards: None
For Fair to Bad Credit

All credit types welcome to apply!
Free access to your Vantage 3.0 score From TransUnion* (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
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	24.99% - 29.99% (Variable)	See website for Details*	1 Review

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, Limited or No 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

†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

Card Offers For People With Bad Or No Credit