Compare Bad Credit Credit Cards

If you have a limited credit history, or past or current credit issues, you may not qualify for all credit cards. Luckily, there are credit cards available to you, including unsecured, secured or prepaid cards. Unsecured cards act just like a regular credit card, and require no upfront funds or other special actions. Secured cards are guaranteed by your funds, which act as a security deposit in case you default on the loan with the credit card company. Prepaid cards act like a debit card, requiring you to deposit the amount you wish to spend ahead of time. All cards issuers can charge additional fees for a variety of actions, including obtaining the card and signing up for different plans. Some of these cards will report your payment history to credit bureaus and reporting agencies to help rebuild your credit. To learn more about credit cards, see our FAQ.

Bad Credit Credit Card Reviews & Prices

Updated 05-17-2012

Name & Card Purchase APR Type of Card Fees Helps Credit History? Our Rating & Bottom Line
Orchard Bank Mastercard
Orchard Bank Mastercard
14.99-24.99% (Variable) for unsecured card; 7.99% for secured cardUsers prequalified for either unsecured or secured card$0-$59 annual feeReports to all 3 credit bureaus every month
Our Rating:
Top pick for rebuilding your credit history; great choice for those with poor credit; offers both unsecured and secured cards; includes 3-bureau credit reporting
Orchard Bank Visa Card
Orchard Bank Visa Card
14.99-24.99% (Variable) for unsecured card; 7.99% for secured cardUsers prequalified for either unsecured or secured card$0-$59 annual feeReports to all 3 credit bureaus every month
Our Rating:
Great choice for rebuilding your credit history; smart pick for those with poor credit; offers both unsecured and secured cards; includes 3-bureau credit reporting
Capital One® Secured Mastercard®
Capital One® Secured Mastercard®
22.9% variableSecured Mastercard for those with poor or no credit$29 annual feeReports to all 3 credit bureaus every month
Our Rating:
Helps rebuild your credit by reporting to all 3 credit bureaus, high APR rate.
Applied Bank® Secured Visa® Gold Card
Applied Bank® Secured Visa®  Gold Card
9.99% (Fixed)Secured Visa card for those with poor or no credit$0Reports to Experian and TransUnion credit bureaus every month
Our Rating:
Good choice for those with poor credit; Experian and TransUnion credit reporting
Name & Card Purchase APR Type of Card Fees Helps Credit History? Our Rating & Bottom Line
BillMyParents® Reloadable Prepaid Mastercard®
BillMyParents® Reloadable Prepaid Mastercard®
n/aPrepaid Visa debit card for teensMonthly Plan = $3.95Does not report to credit bureaus
Our Rating:
Prepaid Mastercard debit card for teens; includes ability to monitor teen spending; no credit bureau reporting

Select Next Advisor Blog Posts

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Will the Orchard Bank Credit Card Help Improve My Credit?
Q: Will the Orchard Bank credit card help improve my credit? A:  Yes, the Orchard Bank credit card can help improve or rebuild your credit history but you'll have to do your part too. By reporting your credit card payment history to all 3 credit bureaus, Orchard Bank can help boost your credit. And it [...]

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