Browse Credit Cards for Bad Credit Scores

Finding the best credit cards for bad credit scores is easier than you think. There are plenty of credit cards for people with bad credit that offer a variety of benefits and rates. BestCards.com has a selection of credit cards for bad credit that you can peruse to find the best option for you. Learn more about credit scores.

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FEATURED CARD – READ REVIEW

Destiny™ Mastercard®

Quick Pre-Qualification Available for Those Who Qualify

Destiny™ Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $59 to $99 depending on the card issued
  • Credit Needed Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • Accepted nationwide, wherever Mastercard is accepted
  • Simple and fast application process
  • Less than perfect credit is okay
  • An opportunity to build and access credit
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year. After that, either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
  • Penalty APR: 29.9%
  • Annual Fee: $59 to $99 depending on the card issued
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

FEATURED CARD – READ REVIEW

Applied Bank® Unsecured Classic Visa® Card

Fixed APR and Manageable Monthly Payments

Applied Bank® Unsecured Classic Visa® Card
  • Regular Purchase APR 29.99%
  • Cash Advance APR 29.99%
  • Annual Fee See website for details*
  • Credit Needed Poor
  • Processing Network Visa
Best Benefits
  • Reports to all three major credit bureaus
  • Access additional credit with on-time payments and responsible usage
  • A true unsecured EMV enabled (chip) Visa credit card
  • Quick & easy approval in less than 60 seconds
  • No penalty rate. Your rate won't go up even if you are late
  • Does not require perfect credit for approval
Rates & Fees
  • Regular Purchase APR: 29.99%
  • Cash Advance APR: 29.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: See website for details*
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals
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Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
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Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
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Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
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Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
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Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
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Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
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Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
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Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

FEATURED CARD – READ REVIEW

Indigo® Platinum Mastercard®

Choose Your Own Card Design

Indigo® Platinum Mastercard®
  • 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 the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

FEATURED CARD – READ REVIEW

Milestone® Gold Mastercard®

No Credit Score Impact When You Apply

Milestone® Gold Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Extended warranty protection
  • Fraud liability
  • Price protection
  • Reports to major credit bureaus
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 $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

Showing 121 Cards

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Merit Platinum Card

Merit Platinum Card
  • Regular Purchase APR 0%
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • Bad Credit, No Credit? No Problem
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check
Rates & Fees
  • Regular Purchase APR: 0%

Revvi Credit Card

Revvi Credit Card
  • Regular Purchase APR 34.99%
  • Balance Transfer APR See website for Details*
  • Cash Advance APR 34.99%
  • Annual Fee $75 for first year. After that, $48
  • Credit Needed Fair , Poor
  • Intro Purchase APR See website for Details*
  • Processing Network Visa
Best Benefits
  • Fast and easy application; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
Rates & Fees
  • Intro Purchase APR: See website for Details*
  • Regular Purchase APR: 34.99%
  • Intro Balance Transfer APR: See website for Details*
  • Balance Transfer APR: See website for Details*
  • Cash Advance APR: 34.99%
  • Cash Advance Transaction Fee: None for first year. After that, either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $75 for first year. After that, $48
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
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Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
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Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

Principal Platinum Card

Principal Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • Instant Approval / $750 Credit Line
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
Rates & Fees

    Today Card™ Mastercard®

    Today Card™ Mastercard®
    • Regular Purchase APR 32.25% variable based on the Prime Rate
    • Annual Fee $120 (billed monthly)
    • Credit Needed Fair , Poor
    • Processing Network Mastercard
    Best Benefits
    • Free access to check your TransUnion VantageScore
    • Set up text message alerts to notify you of available credit, current balance, due dates, and payments made
    • 24/7 zero liability fraud protection
    • Enable automatic payments to ensure you pay on time, every time
    Rates & Fees
    • Regular Purchase APR: 32.25% variable based on the Prime Rate
    • Annual Fee: $120 (billed monthly)
    • 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 Card Deals
    card
    Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
    card
    33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
    card
    Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
    card
    FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
    card
    New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
    card
    50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
    card
    Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
    card
    Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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    Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
    card
    Save 5% Budget Offer Expires on Dec 12, 2030 See Details

    Bank of America® Customized Cash Rewards Secured Card

    Bank of America® Customized Cash Rewards Secured Card
    • Regular Purchase APR 23.99% variable based on the Prime Rate
    • Balance Transfer APR 23.99% variable based on the Prime Rate
    • Cash Advance APR 26.99% to 27.24% variable based on the Prime Rate
    • Annual Fee None
    • Credit Needed Poor , No Credit Required
    • Processing Network Visa
    Best Benefits
    • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
    • 2% cash back at grocery stores and wholesale clubS
    • Unlimited 1% cash back on all other purchases
    • No annual fee
    Rates & Fees
    • Regular Purchase APR: 23.99% variable based on the Prime Rate
    • Balance Transfer APR: 23.99% variable based on the Prime Rate
    • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Cash Advance APR: 26.99% to 27.24% variable based on the Prime Rate
    • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
    • Penalty APR: Up to 29.99%
    • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
    • Late Payment Penalty Fee: Up to $40
    • Return Payment Penalty Fee: Up to $29
    • Minimum Deposit Required: $300
    Credit Card Deals
    card
    Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
    card
    Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
    card
    Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
    card
    Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
    card
    Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
    card
    Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
    card
    Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
    card
    Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

    SmartHealth PayCard

    SmartHealth PayCard
    • Regular Purchase APR 18%
    • Cash Advance APR See Terms
    • Annual Fee $120
    • Credit Needed Good , Fair , Poor
    • Processing Network Mastercard
    Best Benefits
    • 90 seconds to apply, and get a virtual card for use immediately
    • Individual and family benefits of $5,000 accident and injury medical indemnity benefit coverage
    • SmartHealth Rx provides pharmacy discounts of up to 85% on most generic drugs
    • May also be used for veterinarian services
    Rates & Fees
    • Regular Purchase APR: 18%
    • Cash Advance APR: See Terms
    • Cash Advance Transaction Fee: See Terms
    • Annual Fee: $120
    • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
    • Late Payment Penalty Fee: Up to $35
    • Return Payment Penalty Fee: Up to $35
    Credit Card Deals
    card
    Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
    card
    33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
    card
    Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
    card
    FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
    card
    New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
    card
    50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
    card
    Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
    card
    Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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    Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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    Save 5% Budget Offer Expires on Dec 12, 2030 See Details

    Chime Credit Builder Visa® Secured Credit Card

    Chime Credit Builder Visa® Secured Credit Card
    • Regular Purchase APR See Terms
    • Cash Advance APR See Terms
    • Annual Fee None
    • Credit Needed Fair , Poor
    • Processing Network Visa
    Best Benefits
    • No annual fee or interest
    • No credit check performed when applying
    • No minimum security deposit required
    • Ideal for everyday purchases to help build credit with regular on-time payments
    Rates & Fees
    • Regular Purchase APR: See Terms
    • Cash Advance APR: See Terms
    • Cash Advance Transaction Fee: $2.50 per transaction
    Credit Card Deals
    card
    Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
    card
    Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
    card
    Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
    card
    Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
    card
    Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
    card
    Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
    card
    Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
    card
    Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

    WWE® Superstar Credit Card

    WWE® Superstar Credit Card
    • Regular Purchase APR 23.99% variable based on the Prime Rate
    • Cash Advance APR 23.99% variable based on the Prime Rate
    • Annual Fee $75 for the first year. After that, $99 annually ($8.25 per month)
    • Credit Needed Good , Fair , Poor
    • Processing Network Visa
    Best Benefits
    • Earn 1% cash back rewards on eligible internet, cable and satellite TV, and mobile phone service purchases
    • Earn 1% cash back on eligible dining purchases
    • Get access to promotions for WWE Credit Card members
    Rates & Fees
    • Regular Purchase APR: 23.99% variable based on the Prime Rate
    • Cash Advance APR: 23.99% variable based on the Prime Rate
    • Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
    • Annual Fee: $75 for the first year. After that, $99 annually ($8.25 per month)
    • 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 Card Deals
    card
    Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
    card
    Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
    card
    Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
    card
    Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
    card
    Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
    card
    Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
    card
    Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
    card
    Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

    Mission Lane Visa® Credit Card

    Mission Lane Visa® Credit Card
    • Regular Purchase APR 29.99% variable based on the Prime Rate
    • Cash Advance APR 29.99% variable based on the Prime Rate
    • Annual Fee $59
    • Credit Needed Fair , Poor
    • Processing Network Visa
    Best Benefits
    • 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®
    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 $10 or 3% of the amount of each cash advance, whichever is greater
    • Annual Fee: $59
    • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
    • Late Payment Penalty Fee: Up to $35
    Credit Card Deals
    card
    Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
    card
    Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
    card
    Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
    card
    Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
    card
    Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
    card
    Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
    card
    Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
    card
    Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
    card
    Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

    Surge Secured Mastercard®

    Surge Secured Mastercard®
    • Regular Purchase APR 19.99% variable based on the Prime Rate
    • Cash Advance APR 19.99% variable based on the Prime Rate
    • Annual Fee $69
    • Credit Needed Poor , No Credit Required
    • Processing Network Mastercard
    Best Benefits
    • 1% Cash back Rewards on every purchase
    • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
    • Monthly reporting to the three major credit bureaus
    • $0 fraud liability
    Rates & Fees
    • Regular Purchase APR: 19.99% variable based on the Prime Rate
    • Cash Advance APR: 19.99% variable based on the Prime Rate
    • Cash Advance Transaction Fee: Either $5.00 or 5% of the amount of each cash advance, whichever is greater
    • Penalty APR: See Terms
    • Annual Fee: $69
    • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
    • Late Payment Penalty Fee: See Terms
    • Return Payment Penalty Fee: See Terms
    • Over Limit Penalty Fee: See Terms
    • Minimum Deposit Required: $300
    Credit Card Deals
    card
    Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
    card
    33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
    card
    Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
    card
    FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
    card
    New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
    card
    50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
    card
    Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
    card
    Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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    Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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    Save 5% Budget Offer Expires on Dec 12, 2030 See Details

    What Is a Bad Credit Score?

    A bad credit score is a score that falls below what credit reporting bureaus deem to be average, or “fair.” Bad scores indicate that a person is at a higher risk of missing payments, making late payments, or defaulting on their loans.

    To put it bluntly, a bad or poor credit score tells a bank or lender that an individual is less creditworthy than someone with a higher score. Fortunately, credit scores are not set in stone. Instead, they are easily changeable through proactive measures and following financial best practices.

    Credit Score Range

    Before fixing a damaged credit score, it is crucial to understand what a credit score is, and what is considered good, bad, or ugly by different credit reporting bureaus. The two main credit scoring models that banks use to gauge creditworthiness are FICO and VantageScore.

    FICO Score

    FICO is the oldest of the credit scoring systems, and as such, is the most popular among banks. A FICO score ranges from 300 to 850, with ratings ranging from Very Poor (bad) to Exceptional.

    The FICO scoring model breaks down as follows:

    FICO credit score bad credit

    VantageScore

    VantageScore is a newer scoring model created by the three leading credit agencies: Experian, Equifax, and TransUnion. Like FICO, VantageScore ranges from 300 to 850, but places more scoring weight on newer credit histories than FICO.

    The VantageScore model breaks down as follows:

    Vantagescore credit bad credit score

    What Influences a Credit Score?

    As you can see from both models, there are plenty of Americans currently struggling with a sub-prime or bad credit score. But what are the items and factors that influence credit scores?

    FICO places significant weight on payment history, as this is the biggest indicator of a person’s ability to repay any new credit they may receive. Nearly as important is the amount of available credit that individual is currently utilizing, which makes up 30% of the score.

    Of less significance, but still important) are the types of credit a person has, the number of hard inquiries they have in the past 12 months, and the length of their overall credit history. VantageScore places a much greater emphasis on types of credit (or credit mix) than FICO. Equally important, however, is payment history.

    how to fix your credit infographic

    How Bad Credit Can Hurt You Financially

    What impact can a bad credit score have on your financial life? Or even your everyday life, for that matter?

    Tougher to Receive Credit

    The most obvious impact of bad credit is a more difficult time getting approved for new lines of credit. Those with poor credit will struggle to get most credit cards with a few notable exceptions. Banks and credit card issuers are much less willing to extend credit to those with bad credit, and only credit cards for bad credit or secured credit cards will be an option. People with bad credit will also struggle with getting personal loans, car loans, and mortgages.

    Related Article: What is the easiest credit card to get with bad credit?

    Higher Loan Terms

    Poor credit will not eliminate any chances at getting cards or loans, but those lines of credit will come with less favorable terms. Loans and credit cards for poor credit feature very high-interest rates, higher annual fees, and potentially monthly service fees.

    Difficulty Renting Apartments

    Poor credit directly impacts your ability to find housing. Landlords may be less willing to take a risk with someone with bad credit, viewing them as a potential liability.

    Loss of Employment Opportunities

    Bad credit can even impact your professional life. Many employers access the credit reports of potential hires to see if they are a trustworthy, reliable individual. While companies can’t access your credit score, the information on your report may make you seem like a liability. Some government agencies won’t hire people with poor credit, viewing them as a security risk due to their financial situation.

    How to Improve a Bad Credit Score

    Bad credit has serious ramifications in everyday life. Fortunately, there is something you can do about it! Here are some of our top tips for improving your credit score:

    • Check Your Credit Score: The first thing you should do is check your credit score to see where you stand. You might already know your credit score is bad, but how far down on the scale, does it go? Knowing how fast you can improve your credit from “bad” to “fair” is crucial to making a financial plan of attack.
    • Get a Credit Card for Bad Credit: Part of boosting your credit score is increasing your use of credit. For those with bad credit, this may seem counter-intuitive. After all, if your score is already and, how can you get a credit card? Fortunately, there are many unsecured credit cards for poor credit and secured cards that can help you repair your credit score.
    • Always Pay on Time Every Month: As seen in the scoring models, payment history is the biggest factor in your credit score. Because payment history is so important, paying your credit card bill on time each month is essential to boosting sub-prime credit. Missed payments stay on a credit report for seven years. This means they can harm your score for years to come.
    • Keep Your Credit Utilization Low: Credit utilization is as important as paying on time. Credit utilization shows lenders how you use your credit. Those who keep their credit use below 30% can expect their score to improve, while those who use less than 10% can expect a much faster score rise. Using too much of your available credit may make banks think you are stretching yourself thin financially.

    What Are the Best Credit Cards for Bad Credit?

    Bad credit scores do not automatically mean you can’t get credit cards. There are credit cards for bad credit with no deposit. A bad score simply means your options are limited.

    Secured Cards for Poor Credit

    What are the best secured cards of 2021?

    Secured credit cards are one of the best options for those with poor credit. They work by requiring a cash deposit that also acts as the credit line. This deposit makes the line of credit less of a risk to lenders, meaning they are easier to get – even with bad credit.

    Secured cards, like the Secured Mastercard from Capital One, work in the same way as a traditional credit card, just with an initial deposit. Want to raise your credit limit? Increase your deposit. Make your payments on-time, and you can even graduate to an unsecured card.

    When you close your account, your deposit is returned, provided your account is in good standing.

    The Best Secured Cards for Bad Credit

    Unsecured Credit Cards for Bad credit

    There are also several good unsecured credit cards for bad credit scores. These cards differ from secured cards in that they don’t require a security deposit. They are your traditional credit cards, just designed for rebuilding credit.

    While secured cards are ideal for someone whose credit journey started without a credit score, unsecured cards are great for people whose score is bad. The lack of deposit requirement means no prepaid card limits and more available money in your bank account.

    Credit cards for bad credit (no deposit) usually feature an annual fee, which can range from around $30 to $99 depending on your credit history and score. These cards also have higher interest rates and fees for late payments. Of course, those serious about repairing their credit score won’t have to worry, as paying your balance in full and on time won’t result in any interest payments at all.

    The Best Unsecured Credit Cards for Bad Credit

    Another great unsecured card for bad credit is the First Digital NextGen Mastercard®. The First Digital NextGen Mastercard® is a sleek and straightforward credit card for people with bad credit scores. NextGen receives its name from its streamlines – and easy – application process, creating a new way to look at repairing damaged credit. Start with a respectable, $300 credit limit, and work your way towards a higher credit limit or credit line increase with on-time payments and financial responsibility.

    Tips for Finding the Perfect Bad Credit Card

    There are thousands of credit cards for bad credit on the market today. These include secured cards and unsecured cards. Some cards are from larger issuers, such as the Capital One Secured Mastercard. Others are from smaller banks, like the OpenSky Visa.

    With so many options to choose from, how can you determine what the right credit card is for your credit score and needs? Here are some key factors to examine when deciding on your next credit card:

    • APR: Pay close attention to the interest rates that your card charges. Some cards may offer a fixed-rate, meaning the APR won’t vary based on creditworthiness. Others have a variable APR. A variant rate means people with different credit scores get a different rate.
    • Fees: Always read the terms and conditions before choosing a card. Some cards feature hidden fees, making it very expensive to miss payments or even use the card every day. These conditions are available on the web sites of the card issuer, as well as on our comprehensive review pages.
    • Credit Score Needed: Always check the credit score you’ll need to apply. Again, BestCards always includes this information in our reviews. Some cards, like the Total Visa, require no credit or poor credit. This low credit needed requirement makes it a very accessible option.
    • Credit Bureau Reporting: Make sure your card regularly reports to the three major credit bureaus. Monthly reporting is key to building your credit score. This is especially true if you practice good financial habits and pay your balance in full every month.

    Find the Best Card for Rebuilding Credit Today

    The team at BestCards.com knows how hard it can be to rebuild credit, especially without the right tools and knowledge. That’s why we strive to provide insightful credit card reviews, as well as informative articles and advice to guide you. Take advantage of these resources and more to find credit cards for a 500 credit score, credit cards for a 550 credit score, or anywhere in between!