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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14 Offers - Page 1 of 2

Reflex® Platinum Mastercard®

Rewards: None
For Fair, Bad, Limited Credit
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • 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 Experian* (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 29.99% (Variable) See Terms Be the First

Mission Lane Visa® Credit Card

Rewards: None
For Fair to Bad Credit
  • See if you qualify instantly without harming your credit score.
  • Get a higher credit line if you're in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 26.99% - 29.99% (Variable) $0-59 Be the First
Merrick Bank Double Your Line® Mastercard®

Rewards: None
For Fair to Bad Credit
  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report 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 23.70% to 29.95% *Variable $0-$72 Be the First
Petal® 1 "No Annual Fee" Visa® Credit Card

Rewards: Cash Back
For Fair, Bad, Limited or No Credit
  • $0 Annual Fee
  • Variable APRs range from 24.24% - 33.74%
  • $300 - $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 your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required |Card issued by WebBank
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 24.24% - 33.74% Variable $0 Be the First
Merrick Bank Double Your Line® Secured Credit Card

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 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 21.70% Variable $36 the first year. Billed $3 per month thereafter Be the First
Total Visa® Card

Rewards: None
For Bad Credit
  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit 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
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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 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 21.70% 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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
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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: 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® Platinum Mastercard®

Rewards: None
For Fair to Bad Credit
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (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
  • See Rates & Fees
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 29.99% (Variable) See website for Details* 1 Review
First Access Visa® Card

Rewards: None
For Bad Credit
  • Checking Account Required
  • 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)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None See Terms 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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