Credit Cards for Bad Credit

ROCK The Score Rental Reporting
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ROCK The Score Rental Reporting
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:  $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 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.

Assent Platinum MasterCard® Secured Credit Card
Credit Needed
No Credit
Bad Credit
  • APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • 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 * See Card Terms.
  • Annual fee of $49

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.

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

First Progress Platinum Prestige MasterCard® Secured Credit Card
Credit Needed
Bad Credit
Fair Credit
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 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)
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Availalbe Nationwide
  • APR for purchases: 10.74%
  • Annual Fee = $49
  • *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank 


First Progress Platinum Select MasterCard® Secured Credit Card
Credit Needed
Bad Credit
Fair Credit
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 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)
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Available Nationwide
  • APR for purchases = 14.74%
  • Annual Fee = $39
  • *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank


The First Progress Platinum Elite MasterCard® Secured Credit Card
Credit Needed
Bad Credit
Fair Credit
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 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)
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Available Nationwide
  • APR for purchases = 20.74%
  • Annual Fee = $29
  • *See all terms and conditions.

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank


Merrick Bank Double Your Line® Mastercard®
Credit Needed
Bad Credit
Fair Credit
Good Credit
Introductory APR
N/A
Introductory Period
N/A
Regular APR
19.70% - 29.95%* Variable
Annual fee
$0-$72
Balance transfer
N/A
  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
  • See all terms and conditions.

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

OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.

  • No credit check to apply and find out instantly if you are approved.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • * View the cardholder agreement

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