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Bad Credit Credit Cards

What You Should Know About Bad Credit Credit Cards

Getting an approval for a credit card when you have bad credit can be extremely challenging. Though most top-tier financial institutions refuse to give credit cards to people in such situations there are a few that are willing to offer credit cards. To apply for the card, called bad credit credit card, you will have to provide the company your financial information by way of an online application.

Most of the features offered with bad credit credit cards are the same as that of standard credit cards. The difference is in the interest rate, which is generally higher on a bad credit credit card. Companies also provide different types of credit cards to those with bad credit, two of which are secure credit cards and joint credit cards.

Secure credit cards
A secure credit card is an option that allows you to rebuild your credit history when you have bad credit. This is because it is secured by a certain amount of cash that you deposit in an account with the company that provides you the credit card. With this card, you will have to limit your spending to a certain amount. This is typically determined by the balance in your account. The lender may allow you to spend between 50% and 100% of that amount. You can use a secure credit card at any outlet store that accepts standard credit cards.

Joint credit cards
A joint credit card is one offered to a person who co-signs with another with a good credit score. You can avail a joint credit card by signing with your spouse, parent or sibling - who has a good credit score. One aspect to be careful of, when you take up a joint credit card is that you should make payments on time so that the credit history of the person who co-signs with you remains intact.

You can also avail a retail store credit card, also known as store card. To avail this, you will have to fill in an online credit card application provided on the website of the company of your choice.

Benefits of bad credit credit cards
Bad credit credit cards come with a few benefits, of which the most important is that it allows you to improve your credit score. The best way to do this is to make your payments on time. Another way is to ensure that you set limits on the amount of money you spend in a month on the credit card. A secure credit card sets a limit which can help control your spending. Make it a habit of purchasing within a budget. This will help you maintain a good credit score once you re-establish it.
Simply getting a credit card will not help you build 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.

Credit One Bank® Cash Back Credit Card

  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply
  • Apply Now

    Capital One® Secured Mastercard®

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
  • Apply Now

    First PREMIER® Bank MasterCard® Credit Card

  • Have a checking account? Apply today!
  • A credit card offer for those currently building credit history
  • All credit types welcome to apply!
  • Quarterly FICO score on your monthly billing statement.
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • The next First PREMIER Bank credit card customer could be you!
  • Apply Now

    OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • Apply Now

    Credit One Bank® Unsecured Platinum Visa®

  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Apply Now is a company which provides links to credit card issuers. Please be aware that we are not a credit card company. We are not resposible for the processing or approval of the credit card. provides services which highlight the best deals available to you. The information contained on this site should not be construed as financial advice and you should always seek the assistance of a professional financial advisor. If you have any questions, please contact us. Thank You.

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