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If your credit isn’t stellar but you’re still in the market for a credit card, it may seem like you have zero options. Even though you can’t get a credit card with ideal rates, the best credit card for bad credit is one specifically designed for those with a low FICO® score.
Two types of credit cards are intended for people with bad credit: “Rebuilding” (unsecured/secured), and Prepaid. (Note: secured credit cards and prepaid credit cards require you to supply some amount of money to establish your credit line.)

If you have bad credit, you need to start rebuilding it as soon as possible. Rebuilding cards are often the best credit card for bad credit.
How can these cards help you improve your credit? By reporting to the 3 major credit bureaus each month. Thus, when you manage your card wisely (i.e., use it modestly and pay off the balance by the due date each month), this will be positively reflected in your credit profile. Likewise, if you don’t manage your card wisely (i.e., carry a high-percentage balance and make late payments), this will be negatively reflected in your credit profile.
Once you’ve used a rebuilding credit card responsibly for 12 months, your credit will likely increase enough to start getting better credit offers. You generally don’t want to keep a rebuilding credit card for too long, as they often include higher interest rates and fees.
Best Credit Card For Bad Credit
The credit cards below are credit cards for people with bad credit (FICO score below 599). Apply for one of the best credit card for bad credit online. By getting the best credit card for bad credit, you can rebuild your credit and improve your FICO score as long as you pay your bill on time.
Best Credit Card For Bad Credit
Orchard Bank® Classic MasterCard®
Credit Card Features
- An Excellent Credit Card for Rebuilding Credit Scores; Reports to 3 Major Credit Bureaus Monthly!
- Acceptance at Millions of Locations Worldwide, Including Website Purchases and Reservations
- Your Account Information is Updated and at Your Fingertips 24/7 So You Can Manage It Your Way
- Email and Text Messages to Remind You of Your Upcoming Payment Due Date with Online Enrollment
- On-Call Customer Service Representatives to Assist You with Questions or Concerns
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | 5% ($5 minimum) | 14.99% or 19.99%, or 7.99% for secured cards | $29-$59 the first year* | Fair - Poor - Bad |
Orchard Bank® Visa® Cards
Credit Card Features
- Reports to 3 Major Credit Bureaus Monthly Providing You the Opportunity to Rebuild Your Credit Score!
- Acceptance at Millions of Locations Including Website Purchases and Reservations
- Your Account Information is Updated and at Your Fingertips 24/7 So You Can Manage It Your Way
- Email and Text Messages to Remind You of Your Upcoming Payment Due Date with Online Enrollment
- On-Call Customer Service Representatives to Assist You with Questions and Concerns
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | 5% ($5 minimum) | 14.99% or 19.99%, or 7.99% for secured cards | $29-$59 the first year* | Fair - Poor - Bad |
Pex Visa® Prepaid Card
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | N/A | $90* | Fair - Poor - Bad |
First Progress Secured Platinum MasterCard® Credit Card
Credit Card Features
- Full-feature Platinum MasterCard secured credit card
- No credit history or minimum credit score required for approval
- Monthly reporting to all 3 major credit bureaus to establish more credit history
- Quick & complete online application
- Secured by your deposit of $300 - $2,000
- 24/7 access to your account online
- Deposit held at FDIC-insured bank
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | 14.99% | $39 | Poor - Bad - None |
Applied Bank® Secured Visa® Gold Credit Card
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | 9.99% | $50 | Poor - Bad - None |
Purple Diamond Prepaid Visa® RushCard
Credit Card Features
- FREE Online Money Tools - Powerful, FREE online money tools help you plan a budget, monitor your progress, and review your spending.
- FREE RushPath to Credit - Build your credit history every time you pay your rent, utilities, and other bills when you activate this optional service.
- Rush Bill Pay - A convenient way to pay anyone online. Pay your rent, utilities, even the babysitter, electronically or by check.
- FREE RushText Alerts - Get instant access to your balance, deposit, and recent transaction information on your mobile phone for FREE. *standard carrier charges may apply
- Card-to-Card Transfer - Send money to any of your friends and family members who have a RushCard, or transfer funds between your own personal cards.
- FREE Prescription Discount Card - Save money by getting discounts on prescription drugs for you and your family. Enroll for FREE.
- FREE Customer Service - Member Services Representatives are always here to help - 24 hours a day, 7 days a week.
- Refer-a-friend - Get paid $5 for every friend you refer who becomes an active RushCard member.
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | N/A | $119.40* | Poor - Bad - None |
Western Union® MoneyWise™ Prepaid MasterCard®
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | N/A | $0 | Poor - Bad - None |
Credit Cards For Fair Credit |Credit Cards For Poor Credit | Credit Cards For Bad Credit | Credit Cards For No Credit | Prepaid Cards
By clicking an application offer intended for people with bad credit, you will be directed to that credit card issuer’s website. Each credit card issuer provides a full listing of the terms and conditions that govern their credit cards. It is important to review these terms, because while every attempt is made to present complete and accurate information on CreditQ.com, the claims made on this page are for promotional purposes only. Any and all details, rules, and offers listed on the credit card issuer’s website supersede claims made on CreditQ.com.

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