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for POOR or BAD Credit
Horizon Gold Credit Card

$500 Credit Limit. No Credit Check.

Must have Active Debit Card or Credit Card to qualify.

for BAD or NO Credit
National Credit Direct

FREE Credit Management Tools (Includes Your Monthly Credit Score). Initial $500 Credit Limit -- No Credit Check and No Turn Downs.

Reports to Major Credit Bureaus So You Can Build or Re-Build Your Credit Rating.

  Bank Name
Card Name
Credit HistoryAnnual Fee Application Processing Fee Apply / Details
Bad$0See Terms
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at
  • Get the Credit You Deserve.
  • We just love saying "YES!"

See details
Poor$0 - $99See terms
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due

See details
Bad/Poor$35 - $99*See Terms*
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness

See details
Bad/NoN/A$29.95 Account Activation Fee
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!

See details
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Credit Card Deals for Credit Improvement

For some consumers, bad credit deals are associated with something unfavorable or negative. In fact, these cards may be of great help for those customers who struggle to get access to credit. These offers are specially designed for people with limited credit.

Oftentimes, a low credit score is nothing but a starting point for some customers. Probably, you have just started establishing credit history and if there are no black marks in your credit profile, the odds are you will be offered the card with quite fair terms.

Once your bad credit is the result of previous mistakes, and these plastic money deals can be a perfect match if you want to improve your score. In what way? Choosing credit offers for limited credit issued by leading companies, you may rest assured that your payment activity will be regularly reported to major credit bureaus.

Thanks to a tight competition in the credit market, limited-score clients can make deals with really enticing features. You are sure to find the card with a low APR on purchases among bad credit deals, and some cards even offer cash rewards. Not that bad as it seems, right?

Start with Secured Credit Deals

A secured credit deal can be a good alternative to regular unsecured cards. There can be multiple reasons for your secured credit card application. First off, it's a good start for those who plan to establish credit history. You will face no difficulties when applying for secured cards. The only requirement is a checking or savings account that will serve as a backup for your credit card.

When it comes to shopping, customers feel no difference between secured or unsecured plastics. Secured cards are accepted at the same locations, so you will have no problems with the acceptance of these cards. In addition to that just like with standard cards, you can carry the balance over the months, or pay it in full every month.

Carrying one of the secured credit cards, you may be sure that your credit activity is reported to major credit bureaus. Being a diligent customer, you may always expect better offers from your card issuer. The cases are not rare when companies offer better deals with really nice options to their good clients. You've got a chance to become one of them. Making on-time payments, using your card wisely, you get one step closer to good credit history.

Credit Cards after Bankruptcy

Sad to say but filing for bankruptcy happen to be the only solution for those customers with serious debt problems. Obtaining credit cards after bankruptcy can be a big challenge, though some credit options do exist even for such borrowers.

At, those customers who went through Chapter 7, 11 or 13 may find some good variants. Certain card companies allow such people obtaining plastics even with bankruptcy. You may consider a number of secured or unsecured credit deals issued by companies that mainly specialize in credit products for limited-history offers. Explore the deals from Orchard Bank, most obviously you will find the one that meets your requirements.
Cannot decide which card suits you best? In fact, you've got two options � either secured or unsecured deals. In some cases, a secured card is a really good match, as this plastic is backed up with a deposit. So, your credit limit will depend on the amount of money you have deposited. If you prefer to be on the safe side, this card is ideal for you.

Meantime, unsecured credit offers require no checking or savings account. It simplifies the procedure, though pay close attention to such credit features as an ongoing APR, and other credit charges.

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Credit Report

Credit History Center

1. Credit Score Basics

When making credit card deals, one of the most crucial factors that determine success is your credit score. Depending on your score, you may be approved for the card or get rejected. Let's take a closer look at a credit score and its impact upon your financial well-being.

A credit score is a numerical expression of your trustworthiness, it ranges from 0 to 850. It's the result of complex calculations, and it is based on the information of your credit report. Having a high credit score, you may count on the best credit deals; it means low interest rates and lots of incentives.

What privileges does a high score give you? First of all, better rates that allow saving a lot of money. Choosing the deal with good rates, you can save up to $500 and even more in interest charges only.

2. Know You Credit Score

To choose the best credit card, you should know your credit score. How can you get it? Through the federal law, every US resident has a right to receive a free copy of his/her credit report where you can find the information about your credit score. In view of the fact that three major bureaus provide this information, you can get three copies of your credit report from every agency, or 3-in-1 credit report.

You can request a free copy of your report either by the phone, or by the Internet. But keep in mind, extra copies will cost a fee, that's why many customers order free copies over the year.

3. Improve Your Credit Score

Unfortunately, high credit score is not something we are born with, it takes time and efforts to build a favorable credit rating. This three-digit number determines the rates on our loans, and not only. Today, many companies keep an eye of your credit score to estimate your financial position.

Things happen and your credit score may drop. For lenders, even a slight move can be a red flag. Needless to say, this change may affect your credit cards. How can you improve your score?

First, correct all the inaccuracies in your report. Make on-time payments and do not exceed your credit limit. Keep your debt/available credit ratio low, and you will see the effect � good offers with great terms!

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