Credit Cards for Bad Credit

First Progress Platinum Prestige MasterCard® Secured Credit Card
Our Choice
Apply Now
First Progress Platinum Prestige MasterCard® Secured Credit Card
Credit Needed
Bad Credit
Fair Credit
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • APR for purchases: 9.99%
  • Annual Fee = $49

First Progress Platinum Select MasterCard® Secured Credit Card
Credit Needed
Bad Credit
Fair Credit
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • APR for purchases = 13.99%
  • Annual Fee = $39

First Access Card (Unsecured Card)
Credit Needed
Bad Credit
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • 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; Checking account required
  • $300 Credit Line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri, Member:  FDIC
  • This program is not currently available in New York or Wisconsin.

Horizon Gold Card - Merchandise Card
  • $500 Limit
  • Instant Approval
  • No Credit Check
  • Fast Online Application
  • No Employment Check
  • Reports to Major Bureau
  • Bad Credit - OK
  • *see terms and conditions

Online Jewelry Club
Credit Needed
Bad Credit
  • Easy Approval - 95% Approval Rate! Even with less attractive credit scores!
  • Establish Credit As You Shop
  • $5000.00 unsecured revolving line of credit reported to Experian, Equifax and Trans Union each month.
  • Name Brand Jewelry
  • New Jewelry Added Daily
  • Up to $5,000 of Available Credit
  • A Low 19.9% APR -Flexible Payments
  • Low Cost Membership Fee
  • Annual membership fee of  only $99.00
  • Members Only Discounts
  • Fast Reliable Free Shipping
  • This is a catalog card to shop at a specific website, not a credit card.
  • Available in all US States

Credit Strong - Credit Builder Savings Account
Credit Needed
No Credit
Bad Credit
Fair Credit
  • A Better Way To Build Credit - Build Credit History and/or have an installment account reported!
  • Build Credit - Payments reported to all 3 major credit bureaus
  • No Upfront Deposit -  Pay as little as $8.95 to get started today.  Monthly Deposit Plan Options:  $15, $30, $50, $48, $89, $96
  • When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
  • Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
  • When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
  • We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
  • *See terms and conditions on website

The First Progress Platinum Elite MasterCard® Secured Credit Card
Credit Needed
Bad Credit
Fair Credit
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • APR for purchases = 19.99%
  • Annual Fee = $29

Assent Platinum MasterCard® Secured Credit Card
Credit Needed
No Credit
Bad Credit
  • 0% Intro APR – No interest charged on Purchases for Six Months! 
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Annual fee of $49

Rental Reporting Program RTS
Credit Needed
No Credit
  • Do you rent a home or apartment? 
  • Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
  • Report the past two years of rent payments for a possible boost to your credit score!
  • Pricing:  $8.95 Monthly (Keeps Trade Line Open) - $25 One time set up fee - Optional: $99 Historic Reporting
  • Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
  • We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.

Capital Bank - OpenSky® Secured Visa ® Credit Card
Credit Needed
No Credit
Bad Credit
Introductory APR
see terms
Introductory Period
see terms
Regular APR
see terms
Annual fee
$35
Balance transfer
N/A
  • APR for Purchases: 17.39% (variable)
  • No credit check necessary to apply. OpenSky® believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky® reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • OpenSky® provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Join the discussion