Best Credit Cards For Bad Credit

First PREMIER Bank Mastercard Credit Card Review

Rating: 4 Stars

Bottom Line:
Valuable Credit Line with Fees

Card Details

Regular APR:	36%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Fair
Annual Fee:	$50 – $79 the first year, $45 – $49 after that
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Must have checking account to qualify
No Security Deposit Required
If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
If approved, reports your credit history to the major Consumer Reporting Agencies.
Easy Online Application!

Is First PREMIER Bank Mastercard Credit Card worth it?

Mastercard from First PREMIER Bank provides a valuable credit line to people looking to improve their credit score without having to make a cash deposit upfront. However, the high fees make the card expensive to open and maintain. A secured card is worth considering, where you make a cash deposit upfront.

Pros

Free FICO credit score
Available to individuals with poor or no credit
Build your credit

Cons

$25 – $95 program enrollment fee and $6.25 – $10.40 monthly fee
High interest rate
High credit limit increase fee
Foreign transaction fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars.

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	$8.00 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APR	Not Stated In Terms And Conditions

Get Started with First PREMIER Bank Mastercard Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Apply Now

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	10.99% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months
Rewards Rate:	5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate 1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:	(300-669) Bad/Fair
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
Credit Score, number of recent inquiries and more.
Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

Build your credit
Higher than average cash back rewards for a student card

Cons

5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

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Credit One Bank Visa Credit Card Review

Rating: 4 Stars

Bottom Line:
Solid Starter Card with Cash Rewards

Apply Now

Card Details

Regular APR:	17.99% to 23.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1% cash back rewards on all purchases
Credit Needed:	(300 – 669) Bad/Limited/No
Annual Fee:	$0 – $99
Card Brand:	Credit One

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Cash Back Rewards – Earn cash back rewards on eligible purchases
Free Credit Score – View your Experian credit score and credit report summary online
Zero Fraud Liability – Know you won?t be held responsible for unauthorized charges
Credit Line Increases – Receive regular account reviews for credit line increases
More Rewards – Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants

Is Credit One Bank Visa Credit Card worth it?

Credit One Bank Visa is a solid card for people to build credit – it reports to the three major credit bureaus monthly, doesn’t require a deposit upfront, and offers 1% cash rewards on all purchases. Cash rewards are not in the form of traditional cash back, instead they can be redeemed for national, local, and special offers.

Pros

Free access to Experian credit score monthly online
Get cash back

Cons

Higher than average APR
Up to $99 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3% on transaction amount (USD) or $1, whichever is greater.
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	8% on transaction amount or $5, whichever is greater. Or 5% on transaction amount or $10, whichever is greater. Or 3% on transaction amount or $10, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Credit One Bank Visa Credit Card

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AvantCard Review

Rating: 4 Stars

Bottom Line:
Build Credit With No Hidden Fees

Apply Now

Card Details

Regular APR:	25.99% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300-669) Bad/Fair/Limited
Annual Fee:	$29
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Fast and easy application process
No deposit required
No hidden fees
No penalty APR
Report to all three major credit bureaus
Avant branded credit products are issued by WebBank, member FDIC
Disclosure: If you are charged interest, the charge will be no less than $1.00

Is AvantCard worth it?

AvantCard is a solid card for cardholders who would like a credit line without putting down a deposit upfront. With no hidden fees and no penalty rate, this is a simple card to build your credit.

Pros

Build your credit
Reasonable annual fee
No foreign transaction fees
No hidden fees

Cons

Higher than average regular APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Roadside Assistance

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Get Started with AvantCard

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Credit One Bank NASCAR Visa Review

Rating: 4 Stars

Bottom Line:
Good Starter Card

Apply Now

Card Details

Regular APR:	17.99% – 23.99% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1% Cash Back on Eligible Purchases and Double Cash Back at the NASCAR.com Superstore, terms apply
Credit Needed:	(300-669): Bad/Fair
Annual Fee:	$0 – $99
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
Find out if you Pre-Qualify without harming your credit score. It?s fast, easy, and secure.
Zero Fraud Liability ensures that your account is protected against unauthorized charges.
Accounts are automatically reviewed for credit line increase opportunities.
Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
Always know what’s happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.

Is Credit One Bank NASCAR Visa worth it?

Credit One Bank NASCAR Visa is a solid card for NASCAR fans to build credit – it reports to the three major credit bureaus monthly, doesn’t require a deposit upfront, and offers 2% cash back at the NASCAR.com superstore. Cash back offers are on eligible purchases and vary, but applicants do receive cash back.

Pros

Free access to Experian credit score monthly online
Get cash back. Terms apply.

Cons

Higher than average APR
Up to $99 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3% or $1.00, whichever is greater
Balance Transfer Fee	N/A
Cash Advance Fee	$5.00/8% or $10.00/3%, whichever is greater (see terms)
Penalty APR	None

Benefits

Fraud Liability

Get Started with Credit One Bank NASCAR Visa

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Navy Federal nRewards Secured Review

Navy Federal nRewards Secured Credit Card

Rating: 5 Stars

Bottom Line:
For Armed Forces Members and Their Families to Build Credit

Apply Now

Card Details

Regular APR:	11.65 – 18.00% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1X point per dollar spent
Credit Needed:	(300 – 850) Bad/Limited/No
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No rewards limit
Starting at 6 months, we’ll review your account monthly to see if you’re eligible to have your hold removed and be upgraded to a cashRewards unsecured card
1X point per dollar spent
Points redeemed for cash, statement credit, gift cards and merchandise

Is Navy Federal nRewards Secured worth it?

Navy Federal nRewards Secured Credit Card is a great card for Navy supporters and members of all branches of the armed forces as well as their families looking to build credit by putting down a deposit. You deposit at least $200 into your savings account, before submitting your application, to back your spending. Once approved, the deposit will determine your card?s credit limit and be held.

You?ll earn rewards like any other credit card, and you’ll earn dividends on your hold, just like any other savings account. This is a great secured card for members of the armed forces and their families.

Pros

Minimum security deposit of $200 is on the low end for secured cards
Earn dividends on your security deposit

Cons

Cash redemptions are deposited directly into your bank account at one cent per point, but for gift cards reward points are sometimes worth less than one cent

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction
Penalty APR	18.00%

Benefits

$0 Fraud Liability

Cell phone protection

Get Started with Navy Federal nRewards Secured

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Mission Lane Visa Review

Rating: 4 Stars

Bottom Line:
Build Credit and Increase your Credit Limit

Apply Now

Card Details

Regular APR:	29.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Average/Fair
Annual Fee:	$59
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get an instant decision: Find out right now if you?re approved for the Mission Lane Visa?. No more waiting for days or weeks
Get a higher credit line if you’re in good standing after making your first 6 payments on time!
Transparent pricing with no hidden fees: Security deposit? Monthly maintenance fees? Over-the-limit fees? Nope!
Credit reporting to all 3 major bureaus: We report to Equifax, TransUnion, and Experian
Free online credit education: Your finances shouldn’t be a mystery. Our short videos cover saving, credit, and more

Is Mission Lane Visa worth it?

Mission Lane Visa is a great card for people looking to build credit. The credit limit that people are initially approved for gets consistently increased after 6 or more months of on-time payments. Note the customer service has been reported as slow.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
Increase your credit limit with on-time payments

Cons

$59 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	The greater of $10 or 3% of each cash advance
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Get Started with Mission Lane Visa

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Merrick Bank Secured Visa Review

Rating: 4 Stars

Bottom Line:
Build Credit with Bad Credit

Apply Now

Card Details

Regular APR:	19.20% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Average/Fair
Annual Fee:	$36 the first year, then $3 per month
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required
Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits
Build or Rebuild your Credit Today with the Merrick Bank Secured Visa Card
Get your updated FICO Score each month when it is provided to us by the credit bureau
$0 Fraud Liability protects you from unauthorized charges
Online and Mobile Account Access
No Penalty Rates or Over Limit Fee
Quick, easy application – apply online today!

Is Merrick Bank Secured Visa worth it?

Merrick Bank Secured Visa Card is a solid card for people with bad credit looking to build credit by making a deposit. The annual fee is $36 the first year, then $3 per month. Other secured cards have no annual fee.

Pros

Build your credit
Minimum security deposit of $200 is on the low end for secured cards

Cons

Security deposit must be received with application for approval. Other cards determine your credit limit after you submit your application, and then require you to submit a security deposit of that amount. The money is FDIC-insured and refunded if you are denied, but it will take 4-6 weeks
$36 annual fee, then $3 per month

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either $10 or 4% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Merrick Bank Secured Visa

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Merrick Bank Double Your Line Visa Review

Merrick-Bank-Double-Your-Line-Visa-Credit-Card

Rating: 4 Stars

Bottom Line:
Luxury Travel Perks

Apply Now

Card Details

Regular APR:	Once you fill out the pre-qualification, you will receive an offer with details
Intro APR (Purchases):	Once you fill out the pre-qualification, you will receive an offer with details
Intro APR (Balance transfers):	Once you fill out the pre-qualification, you will receive an offer with details
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad
Annual Fee:	Once you fill out the pre-qualification, you will receive an offer with details
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
See if you are Pre-Qualified in less than 60 seconds without harming your credit score
Double Your Line by making your minimum payments on time each month for 7 months your account is open. After you make your payments, the increase is automatic
Get your updated FICO? Score each month when it is provided to us by the credit bureau
$0 Fraud Liability protects you from unauthorized charges
Online and Mobile Account Access
No Penalty Rates or Over Limit Fee

Is Merrick Bank Double Your Line Visa worth it?

Merrick Bank Double Your Line Visa is a solid card for people looking to build credit. Pre-qualification doesn’t require a hard pull on your credit. After making the minimum payments on time each month for 7 months that your account is open you’ll automatically double your line of credit. There may be a fee for opening the account, and there may be an annual fee the first year followed by a monthly fee the second year, but this is normal for an unsecured credit card available to people with bad credit and fees may be waived depending on what they estimate your creditworthiness to be.

Pros

Pre-qualification doesn’t require a hard pull on your credit
Build your credit
No annual fee
Monthly reporting to all 3 major credit bureaus

Cons

High fees depending on what they estimate your creditworthiness to be
You can fill out the form on Merrick Bank’s website to see if you match a pre-qualified offer, but you are not guaranteed to receive an offer for this card

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	Once you fill out the pre-qualification, you will receive an offer with details
Balance Transfer Fee	Once you fill out the pre-qualification, you will receive an offer with details
Cash Advance Fee	Once you fill out the pre-qualification, you will receive an offer with details
Penalty APR	Once you fill out the pre-qualification, you will receive an offer with details

Benefits

$0 Fraud Liability

Get Started with Merrick Bank Double Your Line Visa

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Korean Air SKYPASS Visa Secured Card Review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Korean Air SKYPASS Rewards

Apply Now

Card Details

Regular APR:	17.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 1 mile for every $1 you spend in eligible net purchases
Credit Needed:	(300-669) Bad/Limited/No
Annual Fee:	$50
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
5,000 SKYPASS Bonus Miles after your first purchase
1,000 Bonus Miles at renewal
SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners
Credit limit based on your deposit, from $300 to $5,000
Is a Secured Credit Card for me? Yes, if you haven’t had the chance to establish credit in the United States yet.
Get your VantageScore – at no cost

Is Korean Air SKYPASS Visa? Secured worth it?

Korean Air SKYPASS Visa? Secured Card is a great card for Korean Air travelers looking to build credit. With this card, you can earn SKYPASS rewards with Korean Air and build your credit at the same time, for an annual fee of $50. After you make on-time payments for 12 months or more, it would be safe to apply for an unsecured card. Cardholders earn 1 mile for every $1 you spend in eligible net purchases. This rewards rate is below average, but on the other hand Korean Air miles are worth more than miles from the average travel rewards program. For example, the 5,000 point sign up bonus is worth enough to get you a one way domestic Korean Air flight.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus to establish credit history
5,000 SKYPASS Bonus Miles after your first purchase
Get your VantageScore – at no cost: this is your credit score from TransUnion, one of the 3 major credit bureaus

Cons

Security deposit of up to $500 may be required
Other secured cards offer no annual fee or a higher rewards rate

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Korean Air SKYPASS Visa Secured

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First Access Visa Review

Rating: 4 Stars

Bottom Line:
Rebuild Credit

Apply Now

Card Details

Regular APR:	34.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Average/Fair
Annual Fee:	$75 for first year, then $48
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
$300 initial credit limit
Checking Account Required
Easy and secure online application
Reporting monthly to all three major credit reporting agencies
First year annual fee $75 then $48 for all subsequent years
Perfect credit not required for approval; we may approve you when others won?t
If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
Cash advance fee waived for first year
Get the security and convenience of a full-feature, unsecured Visa Credit Card – accepted at millions of merchant and ATM locations nationwide and online

Is First Access Visa worth it?

First Access Visa is a solid card for people looking to rebuild their credit. It’s available to people with bad credit and doesn?t require a deposit. It will not be surprising then that it has high fees.

Pros

Rebuild your credit
Monthly reporting to all three major credit reporting agencies
Available to people with bad/fair credit scores

Cons

$89 one-time program fee
Monthly servicing fee of $6.25 after the first year
$75 annual fee for first year, then $48
Very high APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $10 or 3%, whichever is greater
Cash Advance Fee	Either $10 or 5%, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with First Access Visa

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