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Showing 118 Cards
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Indigo Mastercard
Choose Your Own Card Design
- Regular Purchase APR 24.90%
- Cash Advance APR 29.99%
- Annual Fee $0 to $99 depending on the card issued
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- 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
- Regular Purchase APR: 24.90%
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (not to exceed $100)
- 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

+ 1.6% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.4% cash back

+ 1.2% cash back

+ 2.5% cash back
Milestone Mastercard
No Credit Score Impact When You Apply
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee $35 to $99
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Extended warranty protection
- Fraud liability
- Price protection
- Reports to major credit bureaus
- 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

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 1.2% cash back

+ 0.8% cash back

+ 1.6% cash back

+ 0.8% cash back

+ 0.4% cash back
Destiny™ Mastercard®
No Security Deposit Required
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee $75 the first year; $99 thereafter
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Accepted nationwide, wherever Mastercard is accepted
- Simple and fast application process
- Less than perfect credit is okay
- An opportunity to build and access credit
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
- Annual Fee: $75 the first year; $99 thereafter
- 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

+ 0.8% cash back

+ 0.8% cash back

+ 1.2% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 1.6% cash back

+ 0.8% cash back

+ 0.4% cash back
Ramp Card
No Personal Credit Check or Founder Guarantee
- Regular Purchase APR See Terms
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair , Poor
- Processing Network Visa
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms

+ 1.6% cash back

+ 0.8% cash back

+ 1.2% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.4% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back
Revenued Business Card Visa®
No Credit Check and No Fees to Apply
- Regular Purchase APR See Terms*
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Visa
- Receive $500 in cash back after spending $5,000 on your card in the first 3 months
- Earn 3% cash back on every purchase
- Apply and get a funding decision in as little as an hour
- No monthly or annual fees while you use your card or Flex Line
- Approvals are based on revenue, not your credit score
- No fees or hard credit checks to apply
- Regular Purchase APR: See Terms*
- Foreign Transaction Fee: See Terms

+ 0.4% cash back

+ 1.2% cash back

+ 2.5% cash back

+ 1.6% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.8% cash back
Group One Platinum Card
No Credit Required
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network N/A
- $750 credit limit*
- No employment or credit check to apply
- Fast and easy application
- *usable only at theHorizonOutlet.com
- Late Payment Penalty Fee: $20
- Return Payment Penalty Fee: $25

+ 2.5% cash back

+ 0.8% cash back

+ 1.2% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.4% cash back

+ 2.5% cash back

+ 1.6% cash back
First Latitude Platinum Mastercard® Secured Credit Card
Start Building Your Credit with as Little as $100
- Regular Purchase APR 23.49% (Variable)
- Cash Advance APR 28.49% (Variable)
- Annual Fee $25 for the first year, after that $35 annually
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network Mastercard
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Building credit starts immediately when you open your account - just pay your bill on time to establish your credit.*
- Reports to all 3 major credit bureaus
- First Latitude is accepted wherever Mastercard® is accepted, online and worldwide!
- Pay 6-months-on-time and apply to get a second credit card in your wallet!
- *Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Regular Purchase APR: 23.49% (Variable)
- Cash Advance APR: 28.49% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $25 for the first year, after that $35 annually
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $100

+ 0.8% cash back

+ 2.5% cash back

+ 1.6% cash back

+ 0.8% cash back

+ 1.2% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.4% cash back

+ 0.8% cash back
Buy On Trust Lending
Up to $5,000 Approval
- Regular Purchase APR See website for Details*
- Balance Transfer APR See website for Details*
- Annual Fee See website for Details*
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network N/A
- With an initial payment of just $50, you can afford to shop from all the top brand names
- Buy On Trust TODAY, Pay LATER
- All The Big Name Brand Laptops, TV's & More
- Up to $5,000 approval
- Regular Purchase APR: See website for Details*
- Balance Transfer APR: See website for Details*
- Penalty APR: See website for Details*
- Annual Fee: See website for Details*
- Late Payment Penalty Fee: See website for Details*
- Return Payment Penalty Fee: See website for Details*

+ 0.8% cash back

+ 0.8% cash back

+ 1.6% cash back

+ 0.4% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 1.2% cash back

+ 2.5% cash back
Self Visa® Credit Card
Get the Savings Plan That Helps Build Credit Today!
- Regular Purchase APR 28.24%
- Annual Fee $25
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network Visa
- Get the savings plan that helps build credit today
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options
- No credit score is needed to get started
- Your money is secured and protected in a bank account
- Regular Purchase APR: 28.24%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15

+ 0.8% cash back

+ 0.8% cash back

+ 1.6% cash back

+ 0.4% cash back

+ 1.2% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.8% cash back
Divvy Credit Builder
Build Business Credit
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Visa
- Easy online application – can be completed in a few easy steps
- Earn Divvy Rewards and control your earnings based on your payoff schedule
- Track spend in real time from anywhere
- Issue secure virtual cards that are tied to your account and protected against fraud and overspending
- Save hours of accounting work with Divvy's card-plus-software integrations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms

+ 0.8% cash back

+ 1.2% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 0.8% cash back

+ 0.8% cash back

+ 2.5% cash back

+ 1.6% cash back

+ 0.4% cash back

+ 0.8% cash back
You've viewed 10 of 118 credit cards
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 vs. VanatgesCore
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 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.
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.
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.
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.
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. Fortunately, there are many unsecured credit cards for poor credit and secured cards that can help you repair your credit score.
Keep Credit Use 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.
What Are the Best Credit Cards for Bad Credit?
Bad credit doesn’t have to mean settling for a bad credit card. Here are some of our team’s top picks for bad scores:
Destiny™ Mastercard®

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Simple and fast application process
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Monthly reporting to all 3 major credit bureaus
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Less than perfect credit is okay
☆ Quick Pre-Qualification
☆ Perfect for Building Credit
☆ Ideal for everyday purchases to help build credit
The Destiny Mastercard is an ideal credit card for those with bad or fair credit who want the purchasing power of Mastercard but without the security deposit requirement of a secured credit card. With a modest annual fee and manageable initial credit limit, the Destiny Card doesn’t care about your credit past – instead, it helps you focus on your credit repair journey.
Reflex Platinum Mastercard®

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Up to $1,000 credit limit doubles up to $2,000!
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Monthly reporting to all 3 major credit bureaus
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Checking accoutn required to apply
☆ Quick Pre-Qualification
☆ Mastercard Zero Fraud Liability
☆ Ideal for everyday purchases to help build credit
The Reflex Platinum Mastercard®, issued by Celtic Bank, is one of many credit cards for bad credit or no credit score at all. The card is a full-fledged Mastercard and offers the chance of doubling your credit limit when you make your first six monthly payments on-time.
Merit Platinum Card

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Unsecured, $750 Line of Credit
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Reports to Major Credit Bureau
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Use for Purchases at the Horizon Outlet
☆ Quick Application
☆ No Employment or Credit Check
☆ Build Credit w/ On-Time Payments
The Merit Platinum Card is a basic store card offer from Horizon Financial Services. The Merit Card perfect for consumers seeking to establish or rebuild their credit score. This card features a no interest on purchases, a credit limit of $750, and no credit check.