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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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10 Offers -
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
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
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
Be the First
Total Visa® Card
Rewards: Cash Back
For Bad Credit
Earn 1% cash back rewards on payments made to your Total Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
No security deposit, simply pay a one-time $95 program fee to open your account.*
User friendly Mobile App.
*See
Rates, Fees, Costs & Limitations
for complete offer details
See
Total Card Visa 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%*
See Terms*
2 Reviews
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Rewards: None
For Fair, Bad, Limited 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% Fixed
$48
Be the First
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
22.95% 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
14.49% (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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compare selected
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
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
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
check to compare
compare selected
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
New feature! Earn up to 10% cash back* on everyday purchases
No credit check to apply. Zero credit risk to apply!
Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
Get free monthly access to your FICO score in our mobile application
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Apply in less than 5 minutes with our mobile first application
Choose the due date that fits your schedule with flexible payment dates
Fund your security deposit over 60 days with the option to make partial payments
Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
*See Rewards Terms and Conditions for more information
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Balance Transfer Intro.
Purchases Intro
Bonus Offer
Regular APR
Annual Fee
Reviews
N/A
N/A
None
25.14% (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
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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
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
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)
check to compare
compare selected
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
†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
Home
Offers By Category
Credit Card Deals For 2024
Balance Transfer Credit Cards
0% APR Credit Cards
Low APR Credit Cards
No Annual Fee Credit Cards
Student Card Offers
Small Business Credit Cards
Rewards Credit Cards
- Cash Back Rewards
- Air Miles Rewards
- Gas Rebate Rewards
- Points Credit Cards
Secured Credit Card Offers
Prepaid Card Offers
Offers By Credit Rating
Offers for Excellent to Good Credit
Offers for Fair Credit
Offers for Bad Credit
Offers for Limited to No Credit
Offers By Bank Issuer
Bank of America
MasterCard
Visa
Credit Tips
Tips on how to avoid Identity Theft
How Credit Bureaus View Your Credit
Establishing Credit
Rebuilding Bad Credit
Prepaid vs Credit
View More Credit Tips