Bad Credit

Bad Credit

Simply getting a credit card will not help you build or re-establish your credit history. Making on-time minimum payments with all of your creditors and keeping account balances low relative to the credit limit are key to receiving positive marks on your credit history. Prepaid debit cards, unlike credit cards, do not provide a line of credit and do not influence your credit history. Choose from secured and unsecured credit cards, and prepaid card offers below – some of them are fee-based.

Total VISA® Unsecured Credit Card

Total VISA® Unsecured Credit Card

Apply Quickly online by filling out a secure online application.

Annual Fees

See Terms*

Credit Needed

Bad/Fair

Highlights

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
 
Fingerhut Credit Account issued by WebBank

Fingerhut Credit Account issued by WebBank

Apply Quickly online by filling out a secure online application.

Annual Fees

$0

Credit Needed

Fair/Bad Credit

Highlights

  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
 
Horizon Gold Card

Horizon Gold Card

Apply Quickly online by filling out a secure online application.

Annual Fees

$24.95 benefits plan membership will be auto-debited monthly

Credit Needed

Bad Credit

Highlights

  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
 
UNITY® Visa Secured Credit Card

UNITY® Visa Secured Credit Card

Apply Quickly online by filling out a secure online application.

Annual Fees

$39

Credit Needed

Bad Credit

Highlights

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
 
Green Dot primor® Visa® Classic Secured Credit Card

Green Dot primor® Visa® Classic Secured Credit Card

Apply Quickly online by filling out a secure online application.

Annual Fees

$39

Credit Needed

No credit check

Highlights

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
 
Green Dot primor® Visa® Gold Secured Credit Card

Green Dot primor® Visa® Gold Secured Credit Card

Apply Quickly online by filling out a secure online application.

Annual Fees

$49

Credit Needed

Limited/No Credit

Highlights

  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
 
Applied Bank® Secured Visa® Gold Preferred® Credit Card

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Apply Quickly online by filling out a secure online application.

Annual Fees

$48

Credit Needed

Bad Credit

Highlights

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
 
Luxe Signature

Luxe Signature

Apply Quickly online by filling out a secure online application.

Annual Fees

$20 (monthly)

Credit Needed

Bad Credit

Highlights

  • 0% Interest for Members!
  • The Power to Purchase!
  • Shop with Confidence!
  • Low Monthly Payments!
 
Next Millennium

Next Millennium

Apply Quickly online by filling out a secure online application.

Annual Fees

$19.99 (monthly)

Credit Needed

No Credit Check

Highlights

  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
 

See Credit Card Applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site.