US National Credit Cards

Card Offers For People With Bad Or No Credit

Compare these credit cards that can help you get your credit on the right track. Choose one the best fits your needs and apply online.

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9 Offers -

Total Visa® Card

Rewards: Cash Back
For Bad Credit

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.99%* See Terms* 2 Reviews
Merrick Bank Secured Credit Card

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. We report your payment history to all three major credit-reporting agencies.
  • 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 22.70% Variable $36 for first year. Billed $3 per month thereafter Be the First
First Progress Platinum Prestige Mastercard® Secured Credit Card

Rewards: Cash Back
For Bad, Limited or No Credit
  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 14.24% (V)* $49 Be the First
First Digital Mastercard®

Rewards: Cash Back
For Bad Credit
  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • 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.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.99% (V)* $75.00 for first year. After that, $48.00 annually Be the First
Surge® Platinum Mastercard®

Rewards: None
For Fair to Bad Credit
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • See Rates & Fees
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.90% Fixed $75 - $125 1 Review
OpenSky® Secured Visa® Credit Card

Rewards: Cash Back
For Bad, Limited or No Credit
  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 24.64% (variable) $35 Be the First
Milestone® Mastercard®

Rewards: None
For Fair to Bad Credit
  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7
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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
FIT™ Platinum Mastercard®

Rewards: None
For Fair to Bad Credit
  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.90% Fixed See terms Be the First
Reflex® Platinum Mastercard®

Rewards: None
For Fair, Bad, Limited Credit
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • See Rates & Fees
compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.90% Fixed $75 - $125 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.

 Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which USNationalCreditCards.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). USNationalCreditCards.com does not include all credit card companies or all available credit card offers.

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