Credit Cards for Bad Credit (2024)

Find credit cards from Mastercard for people with bad credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.

Capital One Platinum Secured Credit Card

Apply online Secure

See Rates & Fees

  • No annual or hidden fees. See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% (Variable)

Annual fee
$0
Credit needed
Limited, Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Mastercard® Credit Card

Apply online Secure

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Destiny Mastercard® – $700 Credit Limit

Apply online Secure

  • Greater access to credit than before – $700 credit limit
  • Unsecured credit card, no security deposit required
  • Worry-free Fraud Protection* if your card is lost or stolen
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Quick and easy application process with a typical decision in 60 seconds or less
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See terms*

Annual fee
See terms*
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Fortiva® Mastercard® Credit Card

Apply online Secure

  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% or 36% (Variable)

Annual fee
As low as $85
Credit needed
Good/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Aspire® Cashback Reward Card

Apply online Secure

  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
29.99% or 36% Variable

Annual fee
As low as $85
Credit needed
Good/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Elite Mastercard® Secured Credit Card

Apply online Secure

  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
25.24% (Variable)

Annual fee
$29
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Milestone Mastercard® – $700 Credit Limit

Apply online Secure

  • Greater access to credit than before – $700 credit limit
  • No security deposit required, even with less than perfect credit
  • Account history is reported to the three major credit bureaus in the U.S
  • Get a Mastercard accepted online, in store and in app
  • 24/7 access to your account information, even on mobile
  • Applying is quick and easy with our fast decision process

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See terms*

Annual fee
See terms*
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Grey Credit Card

Apply online Secure

  • Pre-qualify with no impact to your credit score
  • Helping people build credit is our first priority – start your credit-building journey today.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
  • Award-winning, U.S.-based customer service

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Poor Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

OneMain Financial BrightWay® Card

Apply online Secure

See Rates & Fees

  • See if you’re pre-approved with no impact to your credit score
  • Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months
  • Building your credit? We report to the major credit bureaus and good payment habits can pay off
  • Earn unlimited 1% cash back on purchases
  • Continue to earn rewards each time you make 6 consecutive on-time payments
  • You won’t be responsible for unauthorized charges with zero fraud liability
  • Experience the protection and global coverage of Mastercard®
  • BrightWay cards are issued by WebBank

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.99%

Annual fee
$75
Credit needed
Poor/Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PREMIER Bankcard® Mastercard® Credit Card

Apply online Secure

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
See Provider Website

Annual fee
See Provider Website
Credit needed
Fair/Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

FIT™ Platinum Mastercard®

Apply online Secure

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.90% Fixed

Annual fee
$99 introductory fee for the first year, then $125 thereafter
Credit needed
Fair/Poor/Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Prestige Mastercard® Secured Credit Card

Apply online Secure

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
15.24% (Variable)

Annual fee
$49
Credit needed
Poor/Limited/No Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Reflex® Platinum Mastercard®

Apply online Secure

  • 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
  • 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

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
35.90% Fixed

Annual fee
$75 – $125
Credit needed
Fair/Poor/Bad/Limited

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

First Progress Platinum Select Mastercard® Secured Credit Card

Apply online Secure

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.

Purchases intro APR
N/A

Balance transfer intro APR
N/A

Regular APR
19.24% (Variable)

Annual fee
$39
Credit needed
Bad Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Credit Cards for Bad Credit (2024)

FAQs

What is the easiest card to get with bad credit? ›

If you're struggling to get approved for your first credit card, the OpenSky® Secured Visa® Credit Card could be a good option. According to its website, based on Q1 2024, the average approval rate of this card is 89.35%.

What credit card will approve you no matter what? ›

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.

Can I get a credit card with a 500 credit score? ›

The selection of cards you qualify for with a score under 500 may be limited and will often come without many rewards or perks—and may include a security deposit requirement or charge higher-than-average APRs and fees.

What credit card will approve me with bad credit no deposit? ›

Petal® 2 “Cash Back, No Fees” Visa® Credit Card *: Best second chance credit card with no security deposit. Capital One Platinum Credit Card: Best for no frills. Petal® 1 “No Annual Fee” Visa® Credit Card *: Best for rebuilding credit.

Which bank approves a credit card easily? ›

Comparing the easiest cards to get
Card NameAnnual feeFICO score required
Bank of America® Unlimited Cash Rewards Secured credit card$0No credit history
Capital One Platinum Secured Credit Card$0No credit history
Indigo® Mastercard®$0-$99 depending on creditworthiness300 to 670
Capital One Platinum Credit Card$0580 to 740
3 more rows
Jun 28, 2024

What credit card has a $5000 limit with bad credit? ›

The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.

What is the lowest credit score to get a credit card? ›

You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.

What is the easiest unsecured credit card to get approved for? ›

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

How to get a credit card with 480 credit score? ›

You can get a credit card with bad credit by applying for a secured credit card or an unsecured credit card for bad credit. Secured cards require a security deposit but have lenient credit score requirements making them accessible even if you have bad credit.

Which credit card has no credit check guaranteed approval online? ›

No credit card has guaranteed approval, but the Chime Credit Builder Secured Visa® Credit Card and the OpenSky® Secured Visa® Credit Card are two options with very high approval rates and no credit check requirement.

What is the second chance credit card? ›

Fortunately, you might qualify for a second-chance credit card with no security deposit. If you have bad credit, second chance credit cards may help you improve your credit health. But as unsecured credit cards, they don't require that you put any money down upfront to secure the line of credit.

How can I get a credit card if I can't get approved? ›

What to Do When You Get Denied for a Credit Card
  1. Ask the card issuer to reconsider. ...
  2. Understand your credit reports. ...
  3. Pay down credit card balances. ...
  4. Pay off other debt. ...
  5. Wait to apply again. ...
  6. Apply for a more suitable card. ...
  7. Get added as an authorized user. ...
  8. Dispute inaccurate credit information.
Sep 29, 2022

What is the lowest credit score you can have to get a credit card? ›

That likely means a score of at least 670 on the FICO scale and more than 660 on the VantageScore scale. FICO scores are the most widely used, but both scoring systems represent the risk you pose to lenders on a scale of 300 to 850. The higher the score, the lower the risk.

What is the easiest credit card to acquire? ›

The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

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