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CREDIT CARDS & LOANS FOR BAD CREDIT: 2026
Having bad credit and looking for the best credit offers for you? You have chosen the right site! We present prepaid cards and credit cards for people with bad credit history. Compare the credit offers below and submit your application online! Please note that not all credit cards come with $500 credit limit.
June 2026: BEST OFFER FOR BAD CREDIT
Compare
Card Type
Secured Credit Card
Regular APR
No interest
Annual Fee
$0
Guaranteed Approval
No
- To apply for a Chime Card™, Chime® Checking Account is required to apply.
- Build your credit history.398
- Earn cash back (2% cash back399 on category of choice, e.g., gas and groceries) with Chime Plus™* status.
- No annual fees or interest. No credit check to apply.400
More Credit Cards for Bad Credit
- Credit for everyone - Regardless of your credit history!
- See an average FICO increase of 81 pts in 6 months
- Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
- No minimum security deposit required.
- Reports monthly to all three major credit bureaus.
- View Product Disclosures
Card Type
Secured
Regular APR
N/A
Annual Fee
$0
Guaranteed Approval
Yes
- Help build your credit450
- Spend your rewards anywhere with a Super.com Card451
- Earn unlimited cashback on Super.com Card purchases451
- Earn 1% cashback on all purchases451
- 10% cashback on hotels booked with Super.com452
- Plus additional savings on gas, prescriptions and more - all with no credit check452
- Join Super+ for $15/Month452
Card Type
Secured
Regular APR
0%
Annual Fee
No annual fee with paid Super+ Membership
Guaranteed Approval
No
- Buy Now and Pay Later with Masseys Credit
- Grow your credit with responsible use
- Masseys Credit Lines Up To $500!
- No annual fee
- Payments as little as $5.99 per month
- Conventient online account access
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Guaranteed Approval
No
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
Card Type
Unsecured
Regular APR
35.9%
Annual Fee
$175 the first year; $49 thereafter
Guaranteed Approval
No
Fair / Poor Credit
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balances low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build** your credit.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- To apply for a Chime Card™, Chime® Checking Account is required to apply.
- Build your credit history.398
- Earn cash back (2% cash back399 on category of choice, e.g., gas and groceries) with Chime Plus™* status.
- No annual fees or interest. No credit check to apply.400
- Fee-free (in-network) ATM network404 and cash deposits405.
Card Type
Secured Credit Card
Regular APR
No interest
Annual Fee
$0
Guaranteed Approval
No
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
This offer is not available in Connecticut, New Hampshire, Vermont, Washington.
- Borrow From $100 to $40,000
- Fast Decision - Within 2 Minutes
- All Credit Types Welcome
This offer is not available in Connecticut, New Hampshire, Vermont, Washington.
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
This offer is not available in Alabama.
Any Credit
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $200,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
This offer is not available in Alabama.
Checking Account Required
Yes
Maximum Loan Amount
$200,000
Minimum Loan Amount
$1,000
Employment Required
Yes
This offer is not available in Colorado, Minnesota, Washington, West Virginia.
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
This offer is not available in Colorado, Minnesota, Washington, West Virginia.
Card Type
Unsecured
Regular APR
35.90% Fixed
Annual Fee
$125
Guaranteed Approval
No
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
- No credit check
- No hard inquiry
- $100 minimum security deposit*
- *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
- The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
- ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
Card Type
Secured
Regular APR
27.49% Variable (As of 1/1/2026)
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)^
Guaranteed Approval
No
This offer is not available in New York.
- Fast, easy loans up to $5,000
- No hassle, no waiting – get funded as soon as the next business day
- All credit types welcome
- No restrictions on how you spend the funds
- Attractive terms
This offer is not available in New York.
Checking Account Required
Yes
Maximum Loan Amount
$5,000+
Minimum Loan Amount
$100
Employment Required
Yes
- NEW! $500 Bonus Offer (online only).
- Limited Time Offer expires May 31, 2026
- Member FDIC
- Cash Back on Debit Card Purchases with BankAmeriDeals®
Card Type
Debit
Activation Fee
N/A
Maintenance Fee
N/A
Overdraft Available
No
- No Monthly Fees.
- Get fee-free overdraft up to $200* with SpotMe®.
- Get your paycheck up to 2 days early^ with direct deposit.
- Chime® is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
- *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
- ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No monthly fees or maintenance fees
Overdraft Available
Yes
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Merchandise Credit Line
- Exclusive Member Benefits
- Start Shopping Right Away!
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Guaranteed Approval
No
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See website for Details*
Guaranteed Approval
No
- Enjoy a $1,000 Credit Line!
- 0% Financing on brand name products exclusively at our online store.
- Low Monthly payments.
- No Credit Checks & No Credit Turndowns.
- No Application Denied for Poor Credit.
- Reward Yourself With the Benefits of Credit!
- Buy Now... Pay Later!
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Guaranteed Approval
Yes
- Unlock a $1,000 spending limit on the Perpay Marketplace with no interest and no fees.
- Easy, risk-free application with an instant decision. See if you're approved with no impact to your FICO or Vantage credit score.
- Build your credit with every on-time payment - users see an average score increase of 30 points.
- Use your spending limit instantly - no waiting for a physical card.
- Shop top brands like Apple, Nike, Samsung, and Sony in the Perpay Marketplace.
- Make small, automatic payments directly from your paycheck over time.
- Increase your spending limit up to $3,500 with positive payment history.
- No activation or monthly fees - just flexible shopping and credit-building made simple.
- Perpay is a certified B Corp - meaning we meet the highest standards of transparency and accountability for our customers.
Card Type
Marketplace & Credit Builder
Regular APR
0%
Annual Fee
$0
Guaranteed Approval
No
- Personal loans up to $20,000
- Easy Loan Request
- No hidden fees
- Get your money as soon as one business day
- Safe, secure and fast application process
Checking Account Required
Yes
Maximum Loan Amount
$20,000
Minimum Loan Amount
$100
Employment Required
Yes
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- Up to $3,500 Kickoff tradeline
- Build payment history that gets reported to Equifax, Experian and TransUnion
Checking Account Required
No
Maximum Loan Amount
$3,500
Minimum Loan Amount
See terms
Employment Required
Yes
Credit Offers for People with Poor Credit
Are you interested in finding credit cards, debit cards, or prepaid cards that are offered to people with less than perfect credit? Or do you want to get a personal loan? We offer a wide range of such types of credit offers.
Some creditors may not approve you without a bank account, in this case a prepaid card can be a good card to apply for. A prepaid card can prepare you for having a traditional type credit card. You will get the habit of paying the bills on time and keeping an eye on your account balance.
A credit card won't be a hard thing to manage after good prepaid card training. An open account will be a plus when you apply for a credit card when you have limited credit history.
The credit card products on this page can help you rebuild or reestablish your credit if you make on-time minimum payments with all of your creditors and keep account balances low relative to the credit limit. Some of these cards do not have a guaranteed approval or easy approval, but you may give them a shot anyway. Check if you are ready for unsecured offers (some of which are fee based).
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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