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Credit Cards for Bad Credit

The credit cards listed below are for people with bad credit or less than perfect credit. These cards may help build, rebuild or re-establish your credit with the credit card issuers and credit bureaus if you make on-time payments. Choose from secured and unsecured credit card offers below and apply for the credit card that's right for you.

 
     

 

Capital One® Guaranteed MasterCard®
Capital One® Guaranteed MasterCard®

Capital One® Guaranteed MasterCard®
  • May help you strengthen your credit history
  • 24/7 customer service online or by phone
  • Security funds may be required
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
19.8%
Balance Transfer
19.8%
Balance Transfer Fee
See Application
Annual Fee
$59
Credit Needed
Credit Needs Improvement

Capital One® Low Rate Guaranteed MasterCard®
Capital One® Low Rate Guaranteed MasterCard®

Capital One® Low Rate Guaranteed MasterCard®
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • Annual interest rate for cash advances is 19.8%
  • May help you strengthen your credit history
  • Security funds may be required
  • Annual fee of $79
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
14.9%
Balance Transfer
14.9%
Balance Transfer Fee
See Application
Annual Fee
$79
Credit Needed
Credit Needs Improvement

Capital One® Guaranteed Secured MasterCard®
Capital One® Guaranteed Secured MasterCard®

Capital One® Guaranteed Secured MasterCard®
  • Guaranteed access to credit
  • May help you establish or re-establish your credit history
  • Security funds required
  • MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
19.8%
Balance Transfer
19.8%
Balance Transfer Fee
See Application
Annual Fee
$59
Credit Needed
No Credit History

Affirm MasterCard®
Affirm MasterCard®

Affirm MasterCard®
  • True credit - no security deposit required
  • Credit limit up to $3,000
  • Use it anywhere MasterCard® cards are accepted
  • Fixed interest rate - 29.99% for homeowners and 34.99% for non-homeowners
  • Reports to credit bureaus every month
Typical APR
29.99%
Balance Transfer
N/A*
Balance Transfer Fee
0
Annual Fee
$84.00 ($7.00/month)*
Credit Needed
See website for Details*