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Compare the Best Credit Cards for Bad Credit

Looking for the best credit card for bad credit? You’ve come to the right place. BestCards.com has an extensive selection of credit cards for poor credit. Browse reviews and offers from our partners below.

  • Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for the first 15 months from the date of account opening
  • Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Introductory 0% purchase APR for 15 months
  • Introductory 0% APR for 15 months on balance transfers made within 60 days of account opening
  • No fee on balance transfers made within 60 days of account opening
  • Access to credit and budgeting education and free monthly FICO Score reports
  • No annual fee
Rates & Fees
  •  Intro Purchase APR: 0% for the first 15 months from the date of account opening
  •  Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 15 months for transfers made within 60 days from the date of account opening
  •  Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $28
  •  Credit Needed: Fair , No Credit Required
Best Benefits
  • No annual fee
  • No fees on foreign transactions or cash advances
  • Earn 1 rewards point for every $1 spent
  • Low APR
Rates & Fees
  •  Regular Purchase APR: 17.50%
  •  Cash Advance APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Minimum Deposit Required: $500
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 19.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee $0 to $95 for the first year. After that, $0 to $99
  • Credit Needed Good , Fair , Poor
  • Processing Network Visa
Best Benefits
  • Earn 1% back on eligible everyday purchases
  • Receive credit line increases with responsible use
  • Set your own payment date
  • Receive Visa cardholder protections
Rates & Fees
  •  Regular Purchase APR: 19.49% to 25.49% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 25.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater, or $10 or 3% of each Cash Advance, whichever is greater or $10 or 5% of each Cash Advance, whichever is greate
  •  Annual Fee: $0 to $95 for the first year. After that, $0 to $99
  •  Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Good , Fair , Poor

  • Regular Purchase APR 19.99%
  • Cash Advance APR 19.99%
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Ideal for establishing or building a strong credit history
  • Good credit or a bank account is not required to apply for a card
  • Enjoy the convenience of making security deposits at retail stores
  • Use your card everywhere Visa is accepted
Rates & Fees
  •  Regular Purchase APR: 19.99%
  •  Cash Advance APR: 19.99%
  •  Cash Advance Transaction Fee: Either $5 or 5% of the amount of each transaction, whichever is greater
  •  Annual Fee: $39
  •  Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $27
  •  Return Payment Penalty Fee: Up to $27
  •  Minimum Deposit Required: $200
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 22.74% to 36% variable based on creditworthiness
  • Balance Transfer APR 25.74% to 36% variable based on creditworthiness
  • Cash Advance APR 25.74% to 36% variable based on creditworthiness
  • Annual Fee $49 to $175 the first year; up to $49 thereafter
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Free VantageScore 3.0 (provided by Equifax)
  • Reports to all three major credit bureaus
  • Mobile app available in Apple Store and Google Play
  • $0 fraud liability
  • Must receive mail offer in order to apply
Rates & Fees
  •  Regular Purchase APR: 22.74% to 36% variable based on creditworthiness
  •  Balance Transfer APR: 25.74% to 36% variable based on creditworthiness
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer after the first year
  •  Cash Advance APR: 25.74% to 36% variable based on creditworthiness
  •  Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $49 to $175 the first year; up to $49 thereafter
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars.
  •  Late Payment Penalty Fee: Up to $40
  •  Return Payment Penalty Fee: Up to $40
  •  Credit Needed: Poor

  • Regular Purchase APR 22.99% to 25.99% variable based on the Prime Rate
  • Cash Advance APR 22.99% to 25.99% variable based on the Prime Rate
  • Annual Fee $0 to $49
  • Credit Needed Fair , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Check eligibility with no hard pull
  • Elegant mobile interface for monitoring purchases
  • Zero fraud liability
  • No foreign transaction fee
Rates & Fees
  •  Regular Purchase APR: 22.99% to 25.99% variable based on the Prime Rate
  •  Cash Advance APR: 22.99% to 25.99% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 3% of the amount of the cash advance, whichever is greater
  •  Annual Fee: $0 to $49
  •  Late Payment Penalty Fee: Up to $35
  •  Credit Needed: Fair , No Credit Required

  • Regular Purchase APR 24.49% variable based on the Prime Rate
  • Balance Transfer APR 24.49% variable based on the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Requires minimum $300 deposit (refundable)
  • Free access to monthly updated FICO® Score
  • Digital wallet compatible
  • No annual fee
  • Overdraft protection
Rates & Fees
  •  Regular Purchase APR: 24.49% variable based on the Prime Rate
  •  Balance Transfer APR: 24.49% variable based on the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction
  •  Cash Advance APR: 26.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $28
  •  Minimum Deposit Required: $300
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Choose your custom card design
  • Free 24/7 online account access
  • Quick pre-qualification with no impact to credit score
  • Mastercard® Gold Benefits
Rates & Fees
  •  Regular Purchase APR: 24.9%
  •  Cash Advance APR: 29.9%
  •  Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
  •  Penalty APR: 29.9%
  •  Annual Fee: $35 to $99
  •  Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Over Limit Penalty Fee: Up to $39
  •  Credit Needed: Poor

  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $0 to $99 depending on the card issued
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Great for demonstrating responsible use of credit
  • Short and easy-to-complete pre-qualification form
  • 24/7 mobile account access
  • Choose your card design free of charge
Rates & Fees
  •  Regular Purchase APR: 24.9%
  •  Cash Advance APR: 29.9%
  •  Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction.
  •  Penalty APR: 29.9%
  •  Annual Fee: $0 to $99 depending on the card issued
  •  Foreign Transaction Fee: 1% of each transaction
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Over Limit Penalty Fee: Up to $39
  •  Credit Needed: Poor

  • Regular Purchase APR 29.99% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee $125 for the first 12 months. After that, $96
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Okay to apply with no credit or bad credit
  • No guessing your APR with flat-rate interest
  • Maintenance fee waived for the first 12 months
  • Get quick approval online
Rates & Fees
  •  Regular Purchase APR: 29.99% variable based on the Prime Rate
  •  Cash Advance APR: 29.99% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $125 for the first 12 months. After that, $96
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 29.99% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee $125 for the first 12 months. After that, $96
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No credit or poor credit are okay
  • Get quick online approval
  • No guessing with a flat interest rate
  • Maintenance fee waived for first 12 months
Rates & Fees
  •  Regular Purchase APR: 29.99% variable based on the Prime Rate
  •  Cash Advance APR: 29.99% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $125 for the first 12 months. After that, $96
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 36%
  • Cash Advance APR 36%
  • Annual Fee $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Quarterly FICO® score is provided free of charge with monthly billing statement
  • Ideal for consumers with less than perfect credit
  • Free online account access
  • Forget about late fees by enrolling in PREMIER Auto Pay
Rates & Fees
  •  Regular Purchase APR: 36%
  •  Cash Advance APR: 36%
  •  Cash Advance Transaction Fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Poor
Best Benefits
  • 0% purchase APR
  • No credit check required
  • Fast online application
  • Includes access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits
Rates & Fees
  •  Annual Fee: None
  •  Late Payment Penalty Fee: $20
  •  Return Payment Penalty Fee: $25
  •  Credit Needed: No Credit Required

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.