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Bad Credit Cards

Credit history is an important factor determining the success of a person's life. If you have a good FICO score, you may expect to get lower rates on a credit loan, car loan or mortgage, buy a cheaper insurance or even find a better paid job. But if you have bad or no credit history at all, it may be hard or impossible to enjoy such financial benefits. Fortunately, there are a variety of banks and payment systems like Visa and MasterCard that issue cards created specially for consumers looking to improve their score. Such cards may look not as attractive as premium bank cards but they offer a fast way to rebuild or establish credit history at agreeable terms.

Best Credit for Bad Credit

Horizon Card Services
Horizon Gold Credit Card
Bad No Credit
Credit Card
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
National Credit Direct
National Credit Direct
Bad No Credit Cards
Credit Card
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
Best Credit Cards from
Best Credit Cards from Credit-Land.com
Bad No Credit Cards
Credit Card
  • All Credit Types Welcome to Apply!
  • Easy Application Process.
  • Build Credit History.

Customers with bad credit history can use our website to find and apply online for a suitable credit card to help them improve credit history. Typically, there are two options to choose from - secured and unsecured cards - which differ in the principle of lending and terms. Unsecured cards for bad credit history work just like a regular bank card but charge higher APRs, loads of fees and no rewards. But on the other hand, such deals offer valuable credit bureau reporting services that help you build a positive score rating faster. On our website you'll find some of the top unsecured deals designed for bad-score applicants. Take your time to study their major features and benefits and apply online for a card that best matches your individual situation.

Bank Name
Credit Card Name
Credit HistoryAnnual Fee Application Processing Fee Apply
Details
First Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Card
First Progress Platinum Prestige Mastercard® Secured Credit Card
Poor/Limited/No$49N/A Apply Online
see details
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Secured cards may be better for those who have seriously damaged their score, for example damaged by bankruptcy, or those who have never had any type of credit at all. Secured cards are issued only after you establish a savings account with the issuing bank and load it with cash collateral deposit. So, in order to qualify for a secured card, you need to provide your own funds. What is the cash collateral for? Well, first and foremost it serves as a security for the money borrowed and guarantee that you'll repay it. Second, the amount of the cash collateral determines the spending limit you personally qualify for. Some of the best secured cards allow you to load as much as $10,000, meaning that you can get $10,000 in a spending line. Just like unsecured, secured cards also provide monthly credit bureau reporting to help you build a positive score rating easier and faster.

Whichever card type you choose, you need to follow the basic rules. Only this way you'll be able to build your credit eligibility for best offers available on the market.

Fair Credit Cards

Credit cards for fair credit are issued for applicants with average financial history and a credit card score of 620-659. Fair or average credit means that you have an established credit history and that you have been building it for a while already. Fair history allows you to switch from limited credit cards to fair score cards, which offer much more attractive rates and terms and even rewards.

Cards for fair history are a one step away from good credit history, and if you are a responsible cardholder you may soon be able to qualify for best premium bank cards available on the market.

Good Credit Cards

A high FICO score qualifies you for good credit cards that come with lowest rates, no fees and rewards. A good FICO score is built through years of responsible use and on-time payments on credit cards and different types of loans. Though it takes several years to build up a positive payment history, it is nothing in comparison to how much time and effort it may take to improve or rebuild it. Therefore make sure that you use your cards responsibly and always check your credit report for any mistakes or fraud credit activity.

Keep your account sound and enjoy lowest APRs, 0% balance transfers, no fees, irresistible rewards and many more financial benefits and perks!