Bad Credit/No Credit Credit Cards

People with poor credit can also get a credit card!
With readily available revolving credit, personal loans, and a rapidly changing economy, your credit can go from good to bad in a relatively short period of time. Without credit, life can be challenging, to say the least. The so called "bad credit" credit cards, prepaid cards, and department store or catalog cards can help in these situations to get out the "catch 22" of getting a credit card with a bad credit rating. So, if you are serious about taking control of your financial situation, pick one of the several Poor Credit Credit Cards on this page.

First PREMIER Bank MasterCard®

Annual Fee: $48.00* Monthly Fee: $7.00* Ongoing APR: 9.9%*

Apply for a Credit Card with Less than Perfect Credit! Monthly reporting to 4 major credit bureaus. Low APR on purchases. Quality Customer Service. 24-Hour Account Access by Phone See Rates, Fees & Terms for current information. Get More Info         Apply

Orchard Bank® Platinum MasterCard®

Annual Fee: $39-$59 Ongoing APR: 8.90%-18.90%

Bad Credit? — Good Platinum MasterCard®! Enjoy the prestige of Platinum with no up front fees Premium Platinum benefits including Purchase Protection Great credit card to strengthen your credit Reports to all 3 credit bureaus monthly, which can help improve your credit score Free Online 24-hour Account Access and Bill Pay Periodic credit limit increases View the Credit Terms & Conditions. Get More Info         Apply

Capital One® Standard Platinum

Annual Fee: None Ongoing APR: 17.80%

Great choice if you carry a balance short-term. Enjoy 0% on purchases until October 2008 No annual fee Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping *See website for Disclosures. Get More Info         Apply

Capital One® No Hassle CashSM Rewards - New to Credit

Annual Fee: $29.00 Ongoing APR: 14.90%

A Cash Back card for people New to Credit. 25% annual bonus on the cash you earn* 1% cash back on every purchase 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%* No limit on cash back and rewards won't expire for the life of your account Redeem cash whenever you like $29 annual fee *See website for Disclosures. Get More Info         Apply

Orchard Bank® Secured MasterCard®

Annual Fee: $0-$35 Ongoing APR: 7.90%-14.90%

Bad Credit — Good Secured MasterCard®! Set your own credit limit starting at $200, all online The perfect card to start building or rebuild your credit Reporting monthly to all major credit bureaus Your choice of payment due dates to fit your schedule Free standard bill pay and online account management tools E-alerts to your email or cell phone to remind you when a payment is due View the Credit Terms & Conditions. Get More Info         Apply

Total Visa® Card

Annual Fee: $48.00 Monthly Fee: $8 ($96 Annualized) Ongoing APR: 19.92%

The VISA Card for people with "less than perfect" credit. Instant On-Line Decision Free 24 hour Online Account Access Monthly Reporting to All Major Credit Bureaus Fraud Protection Outstanding Customer Service See Rates, Fees & Other Costs. Get More Info         Apply

Rewards 660 Visa® Card

Annual Fee: $48.00 Monthly Fee: $10.00 Ongoing APR: 19.92%

Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months. No Fee Credit Limit Increases* $300 Starting and $2,000 Maximum Credit Limit Fast Online Response Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax) FREE Online Account Access FREE Online Payments *See Rates, Fees & Terms. Get More Info         Apply

Continental Finance MasterCard®

Annual Fee: $50.00 Monthly Fee: $12.00 Ongoing APR: 19.92%

Get a second chance with Continental Finance! Get Your Application Results in Seconds Monthly reporting to the Major Credit Bureaus Free Online Access Excellent Online Tools for Managing Your Finances Semi-Annual Credit Limit Increases No Minimum Monthly Income Requirements* Unsecured MasterCard Accepted at Millions of Locations Worldwide *Approval subject to other criteria. See Terms and Conditions. Get More Info         Apply

Centennial® MasterCard®/Visa®

Annual Fee: $48.00* Monthly Fee: $7.00* Ongoing APR: 9.9%*

Reports monthly to 4 Major Credit Bureaus! Low APR on purchases Credit decisions in less than 60 seconds A Credit Card for Those with Less than Perfect Credit Quality Customer Service Accepted where you see the MasterCard®/Visa® logo Over 3 million credit card holders Choice of MasterCard® or Visa® Enjoy the benefit of 24-hour phone account access Get access to online credit education Monthly credit bureau reporting *See Rates, Fees & Terms for current information. Get More Info         Apply

UltraVX Visa®

Monthly Fee: $6.95 Ongoing APR: 14.9%

Now anyone can qualify for a credit card with UltraVX Visa®. Credit-On Demand™*: up to $25,000 credit line Instant Approval: no credit check, no minimum income or bank account required Credit Reporting: reports to major credit bureaus Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions! Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide *Patent Pending Get More Info         Apply

Tribute® Gold MasterCard® Credit Card

Annual Fee: $150* Monthly Fee: $6* Ongoing APR: Prime +11.75%* (Min. 19.50%)

Bad credit history? This could be the right card for you! Unsecured Gold MasterCard® Credit Card Reports to the Major Credit Bureaus MasterCard® cards are accepted at over 25 million locations worldwide Quick Online Decision Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart. Get More Info         Apply

Continental Finance Gold MasterCard®

Annual Fee: $25.00 Monthly Fee: $12.00 Ongoing APR: 9.75%

Get a second chance with rates as low as 9.75% APR*! Rates as low as 9.75% APR* Unsecured MasterCard Accepted at Millions of Locations Worldwide Monthly reporting to the Major Credit Bureaus Free Online Access Excellent Online Tools for Managing Your Finances Semi-Annual Credit Limit Increases Prestige of carrying a Gold card *See website forTerms and Conditions. Get More Info         Apply

Centennial® Gold MasterCard®/Visa®

Annual Fee: $48.00* Monthly Fee: $7.00* Ongoing APR: 9.9%*

Your Chance to Apply for the Prestige of GOLD! Reports monthly to 4 Major Credit Bureaus Low APR on purchases Get the prestige of a GOLD MasterCard®/Visa® All applications accepted All credit types welcome to apply $50 Credit Limit Increase by Making your first 2 Minimum Payments! *See Rates, Fees & Terms for current information. Get More Info         Apply

First PREMIER Bank Platinum Credit Card

Annual Fee: $48.00* Monthly Fee: $7.00* Ongoing APR: 9.9%*

Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card. Monthly reporting to 4 major credit bureaus. Low APR on purchases. Quality Customer Service. All applications accepted! All credit types welcome to apply! See Rates, Fees & Terms for current information. Get More Info         Apply

Orchard Bank Classic MasterCard®

Annual Fee: $79.00 Ongoing APR: 8.90%-18.90%

If you do not qualify for the Classic card, you will be offered Secured card! 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 View the Credit Terms & Conditions. Get More Info         Apply

New Millennium Bank Platinum Visa® or MasterCard®

Annual Fee: $59.00 Ongoing APR: 19.50%

NMB has guaranteed your credit approval for up to $10,000* with no credit check! Guaranteed* Issue NO credit check, EVER NOBODY gets turned down Reports to 3 major CREDIT BUREAUS Credit approval for up to $10,000 (with both cards)* YOU are APPROVED regardless of income or credit history Complimentary online services for account management and payments *See Rates, Fees & Other Terms. Get More Info         Apply

First PREMIER Bank Secured MasterCard®

Annual Fee: $69.00* Ongoing APR: 19.9%*

A MasterCard® Credit Card for Those with Less than Perfect Credit! Reports monthly to 4 Major Credit Bureaus Quality Customer Service Accepted where you see the MasterCard® logo Over 3 million credit card holders Enjoy the benefit of 24-hour phone account access *See Rates, Fees & Terms for current information. Get More Info         Apply

First PREMIER Bank Gold MasterCard®

Annual Fee: $48.00* Monthly Fee: $7.00* Ongoing APR: 9.9%*

Get the prestige of a Gold card! Credit decisions in less than 60 seconds! Quality Customer Service Low APR on purchases Instant credit decisions Gold Card Prestige Reports monthly to 4 Major Credit Bureaus Accepted where you see the MasterCard logo Over 3 million credit card holders See Rates, Fees & Terms for current information. Get More Info         Apply

USA Gold Optimum

Annual Fee: None Ongoing APR: 0.00%

$12,500 Unsecured Gold Merchandise Credit Line No credit checks or turndowns No employment verification Merchandise credit limit increases available Merchandise credit line is reported to a major Credit Bureau *Guaranteed Instant Online Approval Apply now and receive a *FREE $50 gift card *See website for Terms & Conditions. Get More Info         Apply

USA Classic - FreeCreditClub.com

Annual Fee: None Ongoing APR: 0.00%

Establish New Credit and Get Back to Living... Your Membership is *Guaranteed No Employment Verifications No Credit Checks Membership is *Free $2,500 unsecured merchandise credit line Poor Credit? No Credit? No Problem *Guaranteed Instant Online Approval *See website for Terms & Conditions. Get More Info         Apply

Centennial® Secured MasterCard®

Annual Fee: $69.00* Monthly Fee: $7.00* Ongoing APR: 19.9%*

A Secured Card that Reports monthly to 4 Major Credit Bureaus A MasterCard® for Those With Less Than Perfect Credit Enjoy the Benefit of 24 hour Account Access by Phone Accepted where you see the MasterCard® Logo Over 3 Million Card Holders Quality Customer Service *See Rates, Fees & Terms for current information. Get More Info         Apply

All-Access® Visa® Prepaid Card

Annual Fee: $0.00 or $69.95* Monthly Fee: $0 or $9.95*

Choice of Flat-fee or Pay-as-you-go Fee Plans. No upfront costs No hassle Multiple cards Free direct deposit Flexible fee plans* Access to cash *See web site for Features & Fees. Get More Info         Apply

Access Visa® Card

Annual Fee: $48.00 Monthly Fee: $8 ($96 Annualized) Ongoing APR: 19.92%

Access Visa® for those with less than perfect credit! Instant On-Line Decision Bad Credit? No Credit? Give Access A Try! Outstanding Customer Service Free 24 Hour Online Account Access Reports to All Major Credit Bureaus See Rates, Fees & Other Costs. Get More Info         Apply

BuyRIGHT Prepaid MasterCard®

Monthly Fee: $0-$4.95

BuyRIGHT is RIGHT for you! Click-N-Pay bill payment Free direct deposit Free activity alerts On-line money management tools BuyRIGHT Rewards program No Credit Checks No Employment Verification No Monthly or Annual Fee Option Free BuyRIGHT Marketplace Membership Get More Info         Apply

The PAYjr Visa Buxx Card

Monthly Fee: $3.95

Optional use of Chore & Allowance system! Parental control and visibility over card usage No minimum balance required Design Your Own Card Reloadable Prepaid Safer than Cash Shop Online Not a Credit Card Get More Info         Apply

MyCreditCardFinder

One site, dozens of offers tailored to you! Simple and Easy to use Review up to 10 different credit card offers Find a credit card at no cost Free credit related information Get More Info         Apply

USA Gold

Annual Fee: None Ongoing APR: 0.00%

Featuring a $5,000 Unsecured Gold Merchandise Credit Line! Up to $5,000 Unsecured Gold Merchandise Credit Line! NO Credit Checks or Credit Turndowns! NO Employment Verifications! Merchandise Credit Limit Increases Available Establish Credit by Reporting to Major Credit Bureau! Enjoy great merchandise while establishing your credit! Apply Now! *See website for Terms & Conditions. Get More Info         Apply

Western Union® Prepaid MasterCard®

Monthly Fee: $4.95

Credit problem? No problem! Carry your money safely and conveniently. Shop online anywhere MasterCard debit cards are accepted. Check your Card balance anytime online or over the phone. Reload your Card at any participating Western Union Agent location in the United States. No credit checks! No lengthy applications! Shop wherever MasterCard debit cards are accepted — even online Efficiently manage your money and pay bills because you control how much you put on the Card. Easy to Get, Easy to Use The power of cash. The convenience of plastic. Get More Info         Apply

AccountNow™ Vantage Debit MasterCard®

Monthly Fee: $4.95 (Plus Plan)

Get the perfect alternative to a bank account! Instant Guaranteed Approval* — no credit check, no security deposit $0 ACTIVATION FEE — when you load your card by direct deposit Free Direct Deposit — no more check cashing fees Free Online Bill Pay — no need for expensive money orders Free Credit Builder* — bill pay transactions are reported to PRBC® No Overdraft Fees — no minimum balance required Reloadable - $10,000 balance limit *See web site for Features & Fees. Get More Info         Apply

Wired Plastic™ Prepaid Visa® Card

Monthly Fee: $3.95

Guaranteed Approval*. Earn Reward Points on Every Purchase. Receive your new Visa® card in as little as 3 days No Upfront Payment Required Overdraft Safety Program Rewards Program Integrated Bill Pay Service Convenient Loading Options *See Terms and Conditions. Get More Info         Apply

Bad Credit or No Credit can hurt you:
All lenders will charge people with no credit or poor credit a higher interest rate when financing a new car, a home, or just about anything. Even worst, they might turn you down. Car dealers may charge you over 20% interest, while other people pay less than 10%. Banks run credit checks on new account applications, and if you have bad credit, you might not even be able to open a new checking account. This is the situation where you need to plan ahead, to get a new credit card. The catch is, that for people with bad credit or no credit, the options to get a new credit card are limited. This is where we can help. Please browse through our selection of poor credit credit cards, and feel free to apply for the ones best meeting your needs.