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Bad Credit

If you're interested in getting a credit card have less than perfect credit, there are many new credit cards available for those with bad, poor or no credit. The same credit card companies that will issue credit cards for people with bad credit will also issue cards to those with no credit. In many cases, having no credit can hurt you financially as much as having poor credit. If you've never had a credit card and are hoping for a new credit card, check out the many credit card companies below that are more than willing to issue credit cards for people with bad credit and to borrowers to establish new credit to help people get back on their feet financially.

Orchard Bank Classic MasterCards

An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
Acceptance at millions of locations worldwide, including website purchases and reservations
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99-19.99% (Fixed)*	$39.00 1^st year, then $59.00*	No	Bad Credit*

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Orchard Bank Classic MasterCards

An excellent credit card for help 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 are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99-19.99% (Variable)*	$39.00 1^st year, then $59.00*	No	Bad Credit*

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Orchard Bank Visa Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
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
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99-19.99% (Fixed)*	$39.00 1^st year, then $59.00*	No	Bad Credit*

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Green Dot® Gold PrePaid Visa®

$0 Activation Online - with no credit check
Access over 18,000 MoneyPass® ATM's
Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
No Monthly fee for any month with at least 30 purchases
No Transaction fees on US purchases
No Overdraft fees
No Minimum balance required

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Orchard Bank Classic MasterCards

An excellent credit card for help 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 are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99-19.99% (Fixed)*	$39.00 1^st year, then $59.00*	No	Bad Credit*

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Orchard Bank Classic MasterCards

An excellent credit card for help 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 are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99-19.99% (Variable)*	$39.00 1^st year, then $59.00*	No	Bad Credit*

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Walmart MoneyCard^SM MasterCard^® Prepaid Card

Walmart MoneyCard<sup>SM</sup> MasterCard<sup>®</sup> Prepaid Card

No issuance fee online
No credit check or bank account required
No overdraft fees
No minimum balance required
Free Direct Deposit
$10 bonus with qualifying Direct Deposit (for a limited time only)
Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Walmart MoneyCard^SM Visa^® Prepaid Card

Walmart MoneyCard<sup>SM</sup> Visa<sup>®</sup> Prepaid Card

No issuance fee online.
No credit check or bank account required
No overdraft fees
No minimum balance required
Free Direct Deposit.
$10 bonus with qualifying Direct Deposit (for a limited time only)
Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Pink ACE Elite(TM) Visa® Prepaid Card

As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
No credit check, No application fee, No obligation*
Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Green Dot® PrePaid MasterCard®

$0 Activation Online - with no credit check
Access over 18,000 MoneyPass® ATMs
Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
No Monthly fee for any month with at least 30 purchases
No Transaction fees on US purchases
No Overdraft fees
No Minimum balance required

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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NetSpend® Prepaid MasterCard®

100% Approval - No credit check needed (ID verification required).
Get your paycheck, government benefits and tax refund faster with free direct deposit
New - Get rewarded with NetSpend Payback Reward^TM options.
Real-time account activity alerts to your mobile phone.
Funds are FDIC insured up to the current coverage limit (ID verification required).

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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ACE Elite^TM Visa^® Prepaid Card

ACE Elite<sup>TM</sup> Visa<sup>®</sup> Prepaid Card

A card with benefits that matter to you
No credit check, No application fee, No obligation
No-Fee Cash Withdrawals at ACE locations*
Free Direct Deposit - Get paid up to 2 days faster, don't stand in line or pay check cashing fees*
Free Anytime Alerts^TM - Get your balance and transactions via text or email*
Free Savings Account - Receive 5.00% APY*
Secure: Card funds are FDIC insured, backed by Visa Zero Liability*

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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UPside Visa® Prepaid Card

Similar to a checking account with a Visa prepaid card
Save up to $220 compared with other cards, the first year alone
100% approval with no credit check and no activation fee
$0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise)
Free Direct Deposit from employers or deposit cash at 50,000 retailers
Write personal checks online: easy to pay rent or other bills
Earn 1,500 cash back reward points for you first direct deposit load
Optional companion card available, as if you had a joint checking

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Prepaid Visa® Black Diamond RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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NetSpend® Visa® Prepaid Card

100% Approval - No credit check needed (ID verification required).
Get your paycheck, government benefits and tax refund faster with free direct deposit
New - Get rewarded with NetSpend Payback Reward^TM options.
Real-time account activity alerts to your mobile phone.
Funds are FDIC insured up to the current coverage limit (ID verification required).

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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BuyRIGHT Prepaid MasterCard®

Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
Free Direct Deposit, Online bill pay, Earn rewards.
No credit check, 100% approved*
No bounced check fees or overdraft fees - ever!
Travel, rent cars, reserve hotels, shop online safely.
Unbelievable customer service.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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READYdebit Platinum Visa Prepaid Card

Get Your Premium Benefits:
Exclusive Rewards Program
Free Credit Score
Free Mobile Banking and Text Alerts
Free Online Bill Payment & Check Writing
Free Direct Deposit — paycheck, benefits, tax refunds
No Credit Check*, No Overdraft Fees or Balance Minimums
Reloadable up to $10,000 Max Balance

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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KLS Prepaid Visa® RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Prepaid Visa® Pink Diamond RushCard

100% Guaranteed Approval* - No Credit Check.
Free Direct Deposit - sign up now and have a safe place to put your tax refund.
Only card that lets you change your fee plan whenever you want to.
Free prescription discount card.
Easy Bill Pay - pay bills, rent, or write personal checks.
Card to card transfers.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Prepaid Visa® Purple Diamond RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Applied Bank® Secured Visa® Gold Credit Card

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $200 up to a maximum of $5,000
Guaranteed Approval Regardless of Your Past Credit History
9.99% Low Fixed APR - Your Rate Won't Change Even if You Are Late
Highest Ratings for Financial Strength and Security in the Country

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	9.99% (Fixed)*	$50.00*	No	Bad Credit*

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Wired Plastic^TM Visa® Prepaid Card

Wired Plastic<sup>TM</sup> Visa® Prepaid Card

Accepted everywhere VISA is accepted
No Credit Check, Income requirements, or bank account required
Free Online Access to Account
Free Mobile Alerts - Text to your mobile and email
Free Bill Pay Service - Pay Anyone Online or Over the Phone
Free Rewards Program - Earn 1 point for every $1 spent
No Bounced Check, NSF, or Overdraft Charges Ever
Free Direct Deposit - Eliminate check cashing fees

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Vision Premier^® Visa^® Prepaid Card - Simple & Fair

Vision Premier<sup>®</sup> Visa<sup>®</sup> Prepaid Card - Simple & Fair

New - Free Roadside Assistance
New - Free Savings Account with 5.65% APY
1% Cash Back on Gas Purchases
Free Direct Deposit so you can get paid faster
Free Bill Pay online or over the phone
Free Transactions and Customer Service
No Overdraft Fees, No Interest Fees, and No Hidden Fees
No Credit Check - 100% Approval

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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mPower™ Visa® Prepaid Card

100% Guaranteed Approval* - No Credit Checks
$25 Cash Bonus, Free Activation & $0 Monthly when you use Free Direct Deposit
Quick and Safe Access to your Money
Easy Online Bill Pay

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Account Now Gold Visa^® Prepaid Card

Account Now Gold Visa<sup>®</sup> Prepaid Card

100% Guaranteed Approval* - No Credit Check
$0 Activation Fee
$25 bonus with Free direct deposit§
Free Online Bill Payment
Up to $10,000 balance limit
Instant Account Number - Perfect for getting your Tax Refund faster with direct deposit

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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First Progress Platinum Secured MasterCard® Credit Card

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
You must be a resident of a US state; however, at present the program is not available in Alaska, Arkansas, Iowa, Maine, New York, Wisconsin, or West Virginia.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99% (Fixed)*	$39.00*	No	Bad Credit*

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AccountNow^® Prepaid MasterCard^®

AccountNow<sup>®</sup> Prepaid MasterCard<sup>®</sup>

100% Guaranteed Approval* - No Credit Check
No Activation Fee
Free Direct Deposit and $25 bonus§
Free Online Bill Payment
Earn Purchase Rewards and Refer-a-Friend Cash Bonus
Perfect for Tax Refund direct deposit

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Platinum Zero® Secured Visa® Credit Card from Applied Bank®

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $500 up to a maximum of $5,000
Zero - 0% Fixed APR on Purchases - No Intro Rates
Zero - 0% Rate Won't Change - Even If You're Late
Zero Application Fees
Zero Worries - Free Personal ID Theft Protection

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	0.00% (Fixed)*	$119.40*	No	Bad Credit*

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AccountNow^® Prepaid Visa^® Card

AccountNow<sup>®</sup> Prepaid Visa<sup>®</sup> Card

$0 Monthly Fee
100% Guaranteed Approval* - No Credit Check
No Minimum Balance
Free Direct Deposit and Online Bill Payment
Now with Purchase Rewards
Perfect for Tax Refund direct deposit

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Exact Prepaid MasterCard®

100% Approval - No credit check
No bank account required
No interest or late fees
Free direct deposit
Up to $5,000 balance limit
Mobile and email alerts
Online Account Management at myExactAccount.com

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Credit card companies that provide credit cards for people with bad credit follow a similar process. When you apply for credit cards, the lending institution will request a copy of your credit history to determine eligibility. If your report shows that you have poor credit or no credit, always double check the credit report to make sure there are no errors. Sometimes, credit reports may have inaccurate information that can cause you to have bad credit scores and hurt you financially for a long time. If you notice any discrepancies, take care of them as soon as possible by contacting the credit bureau.

Some credit cards for people with bad credit are designed specifically for borrowers with no credit. Credit cards usually fall into two categories: secured and unsecured. Unsecured credit cards are cards that are not held with any collateral or security. For instance, when you take out a loan to purchase a car, the title of the car is held as collateral until the loan is paid in full, making it a secured loan. Unsecured credit cards are cards issued to individuals with good credit. Secured or prepaid credit cards are cards that are secured with a deposit made by the borrower.

Secured credit cards for people with bad credit are also called prepaid because you have to make a deposit to the bank or credit card company before you can use these new credit cards. Unlike unsecured credit cards, the amount of your credit limit on secured prepaid cards is determined by the amount of your deposit. These secured credit cards can be "reloaded" or prepaid when the deposit is gone and are excellent ways to control your spending. Secured credit cards are often the credit cards that are issued to individuals with bad, poor or no credit. They may also be given to someone as a new credit card if they've previously had no credit.

The fees and interest rates may often be higher on unsecured credit cards than what you'd see on a secured card. Much of this depends on the bank or credit card company so always shop around and research credit cards when you’re looking for a new credit card, whether you're credit is good or bad.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	14.99-19.99% (Fixed)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$39.00 1^st year, then $59.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	14.99-19.99% (Variable)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$39.00 1^st year, then $59.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	14.99-19.99% (Fixed)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$39.00 1^st year, then $59.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	N/A*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	14.99-19.99% (Fixed)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$39.00 1^st year, then $59.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.