CREDIT CARDS & LOANS FOR BAD CREDIT: 2024

Having bad credit and looking for the best credit offers for you? You have chosen the right site! We present prepaid cards and credit cards for people with bad credit history. Compare the credit offers below and submit your application online! Please note that not all credit cards come with $500 credit limit.

March 2024: BEST OFFER FOR BAD CREDIT

5
Loan Overall Rating
Any Credit
Minimum Loan Amount
$1,000
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
Yes
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

More Credit Cards for Bad Credit

This offer is not available in Delaware and Indiana.

5
Loan Overall Rating
  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax and Experian

This offer is not available in Delaware and Indiana.

Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes

This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.

4
Card Overall Rating
Any Credit
  • Get Personalized Credit Card Offers Based on Your Credit File from Experian®. 100% Free!
  • Credit Cards Matched For You
  • Compare Credit Card Offers
  • See Cards In Under 60 Seconds

This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.

Card Type
Unsecured/Secured
Regular APR
See terms
Annual Fee
See terms
Guaranteed Approval
No
Perpay Application
Compare
4
Card Overall Rating
  • Unlock a $1,000 average Spending Limit instantly.
  • Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
  • No interest, fees, or credit check.
  • Pay over time with easy payments from your paycheck.
  • Shop and build credit by 36 points on average.
Card Type
Marketplace & Credit Builder
Regular APR
0%
Annual Fee
$0
Guaranteed Approval
No
4
Card Overall Rating
Excellent / Good / Fair / Bad Credit
  • Buy Now and Pay Later with Masseys Credit
  • Grow your credit with responsible use
  • Masseys Credit Lines Up To $500!
  • No annual fee
  • Payments as little as $5.99 per month
  • Conventient online account access
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Guaranteed Approval
No
5
Loan Overall Rating
Any Credit
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Employment Required
Yes
5
Loan Overall Rating
  • Build credit & Earn rewards.
  • Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
  • Track your credit score every month.
  • Learn with courses and pick up useful skills.
  • Earn 1% back on loan offers. Up to $1,225.
  • 0% APR / $0 fees. Instant approval. No credit check.
Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
4
Card Overall Rating
Fair/Bad/No Credit
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Guaranteed Approval
No
4
Card Overall Rating
Poor/Limited/No Credit
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 major credit bureaus.
  • No minimum credit score required for approval!
  • Accepted wherever Mastercard® is accepted.
  • Applying is quick and easy with our secure online application.
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Card Type
Secured
Regular APR
15.24% (V)
Annual Fee
$49.00
Guaranteed Approval
No
4
Card Overall Rating
  • No Monthly Fees.
  • Get fee-free overdraft up to $200* with SpotMe®.
  • Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
  • Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
  • *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
  • ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
4
Card Overall Rating
Fair / Poor Credit
  • 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.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
4
Card Overall Rating
Fair / Poor Credit
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are 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 PREMIER Bankcard® product.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
4
Card Overall Rating
Fair/Bad/No Credit Credit
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Card Type
Secured
Regular APR
25.24% (V)
Annual Fee
$29.00
Guaranteed Approval
No
4
Card Overall Rating
Fair / Poor Credit
  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are 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 PREMIER Bankcard® product.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
4
Card Overall Rating
  • A better credit score can get you approved for the credit card you want!
  • Improve credit building factors that make up 80% of your score.
  • Start building your score for just $0.99 and get your FREE credit score.
  • StellarFi is a credit building account, not a credit card.
Card Type
Credit Builder Account
Regular APR
0%
Annual Fee
See terms
Guaranteed Approval
No
Surge® Platinum Mastercard® Application
Compare now (15) »

This offer is not available in Colorado, Massachusetts, West Virginia, Wisconsin.

4
Card Overall Rating
Bad, Fair, Good, Excellent Credit
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required

This offer is not available in Colorado, Massachusetts, West Virginia, Wisconsin.

Card Type
Unsecured
Regular APR
29.99% (Variable)
Annual Fee
$75 - $125, after that $99 - $125 annually
Guaranteed Approval
No
4
Card Overall Rating
Poor/Limited/No Credit
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2,000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Card Type
Secured
Regular APR
19.24% (V)
Annual Fee
$39.00
Guaranteed Approval
No
4
Card Overall Rating
Fair / Poor Credit
  • Everyone deserves a chance to build** credit: apply today!
  • 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.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are 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 PREMIER Bankcard® product.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No

Credit Offers for People with Poor Credit

Are you interested in finding credit cards, debit cards, or prepaid cards that are offered to people with less than perfect credit? Or do you want to get a personal loan? We offer a wide range of such types of credit offers.

Some creditors may not approve you without a bank account, in this case a prepaid card can be a good card to apply for. A prepaid card can prepare you for having a traditional type credit card. You will get the habit of paying the bills on time and keeping an eye on your account balance.

A credit card won't be a hard thing to manage after good prepaid card training. An open account will be a plus when you apply for a credit card when you have limited credit history.

The credit card products on this page can help you rebuild or reestablish your credit if you make on-time minimum payments with all of your creditors and keep account balances low relative to the credit limit. Some of these cards do not have a guaranteed approval or easy approval, but you may give them a shot anyway. Check if you are ready for unsecured offers (some of which are fee based).

GET YOUR OFFER MATCH
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Will not affect your
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Select your credit score:
Have your ever declared Bankruptcy?
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Debit Card
Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
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