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CREDIT CARDS & LOANS FOR BAD CREDIT: 2025
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.
July 2025: BEST OFFER FOR BAD CREDIT
Compare now (13) »
Fair / Poor Credit
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- 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.
More Credit Cards for Bad Credit
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
- 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
- To apply for Credit Builder, you must have an active Chime® Checking Account.
- 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.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- 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., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
- *Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- 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 agreement for details; see back of card for issuer.
Card Type
Secured
Regular APR
No interest
Annual Fee
$0
Guaranteed Approval
No
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
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
- Enjoy a $1,000 Credit Line!
- 0% Financing on brand name products exclusively at our online store.
- Low Monthly payments.
- No Credit Checks & No Credit Turndowns.
- No Application Denied for Poor Credit.
- Reward Yourself With the Benefits of Credit!
- Buy Now... Pay Later!
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Guaranteed Approval
Yes
- 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, Experian and TransUnion
Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
Card Type
Secured
Regular APR
0.00%
Annual Fee
$0
Guaranteed Approval
Yes
Fair / Poor Credit
- Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Credit limit increase eligible after 12 months of consistent responsible account management.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- Award-winning, U.S.-based customer service
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- No Monthly Fees.
- Get fee-free overdraft up to $200* with SpotMe®.
- Get your paycheck up to 2 days early^ with direct deposit.
- Chime® is a financial technology company, not a bank. 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 monthly fees or maintenance fees
Overdraft Available
Yes
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Merchandise Credit Line
- Exclusive Member Benefits
- Start Shopping Right Away!
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Guaranteed Approval
No
- Spend in over 140 currencies at the market exchange rate.
- Exchange in 25+ fiat currencies up to $1,000 per month during foreign exchange market hours* with no hidden fees.
- No withdrawal fee from Revolut for in-network ATMs, up to the withdrawal limits that apply to your card account. Third party fees may apply.237
- No cost ATM withdrawals at more than 55,000+ ATMs globally in our network. Third party fees may apply.237
- Please note that Revolut is frequently updating its products and features, see the Revolut Terms and Conditions for the latest offerings.
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
Varies by plan type
Overdraft Available
No
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
- No credit check
- No hard inquiry
- $100 minimum security deposit*
- *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
- The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
- ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
Card Type
Secured
Regular APR
28.24% (Variable)
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)^
Guaranteed Approval
No
Fair / Poor Credit
- 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.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- Unlock a $1,000 average Spending Limit instantly.
- Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
- No interest, no fees, no hard credit check with the major credit bureaus.
- Pay over time with easy payments from your paycheck.
- Shop and build credit by 32 points on average.
Card Type
Marketplace & Credit Builder
Regular APR
0%
Annual Fee
$0
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).
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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