Apply Online for a Bad Credit Card

Consumers with bad credit often have difficulty finding a credit card. Ironically, these are the people who need credit cards the most, as they are an excellent way to build or repair your credit score. Most credit card companies are unwilling to take a risk on someone with bad credit; however, there still is hope for those who are looking for a second chance.

A few credit card companies offer specialized cards to people with bad credit. These cards generally come with extremely high interest rates and low credit limits. Others offer secured credit cards, which require some type of collateral.

When using cards designed for bad credit, your goal should be to focus on repairing your credit rating so that you can move on to another card with more flexibility. Use your card sparingly: a balance that takes up 30% or more of your credit limit can be detrimental to your credit rating. For the most benefit, pay off your full balance each month. You'll avoid paying finance charges and get higher ratings.

Online Bad Credit Credit Card Applications

The following online credit card applications keep your personal data safe with SSL technology, so you can apply with confidence.

Platinum ZeroTM Secured Visa® Credit Card from Applied Bank®

Platinum Zero<sup>TM</sup> Secured Visa® Credit Card from Applied Bank® Apply for Platinum Zero<sup>TM</sup> Secured Visa® Credit Card from Applied Bank®

  • Zero - 0% Fixed APR on Purchases - No Intro Rates
  • Zero - 0% Rate Won't Change - Even If You're Late
  • Zero Application Fees
  • Zero Worries - Free Personal ID Theft Protection

Intro APR Regular APR Credit Needed Annual Fee
0%* 0.00%* Bad Credit* See website*

Aventium® Classic Credit Card

Aventium® Classic Credit Card Apply for Aventium® Classic Credit Card

  • It's not rocket science - Applying is quick and easy
  • Reports monthly to the major Consumer Reporting Agencies
  • Access your account by phone any time, day or night
  • Rise above bad credit. Don't let the past stop you. Apply today!

Intro APR Regular APR Credit Needed Annual Fee
See website* See website* Bad Credit* See website*

First PREMIER® Bank Classic Credit Card

First PREMIER® Bank Classic Credit Card Apply for First PREMIER® Bank Classic Credit Card

  • Join the 3 million credit cardholders
  • This could be the credit card for you
  • Don't be held back by past credit card struggles

Intro APR Regular APR Credit Needed Annual Fee
See website* See website* Bad Credit* See website*

First PREMIER® Bank Classic Credit Card

First PREMIER® Bank Classic Credit Card Apply for First PREMIER® Bank Classic Credit Card

  • Join the 3 million credit cardholders
  • Don't be held back by past credit card struggles
  • Your second chance for a credit card is our business
  • Bad credit? Apply for a credit card today!

Intro APR Regular APR Credit Needed Annual Fee
See website* See website* Fair Credit* See website*

First PREMIER® Bank Gold Credit Card

First PREMIER® Bank Gold Credit Card Apply for First PREMIER® Bank Gold Credit Card

  • Getting approved may be easier than you think
  • Reports monthly to the major Consumer Reporting Agencies
  • Access your account by phone at any time, day or night

Intro APR Regular APR Credit Needed Annual Fee
See Website* See Website* Bad Credit* See Website*

First PREMIER® Bank Secured Credit Card

First PREMIER® Bank Secured Credit Card Apply for First PREMIER® Bank Secured Credit Card

  • You establish your credit limit - From $200 minimum up to $5000
  • Reports monthly to the major Consumer Reporting Agencies

Intro APR Regular APR Credit Needed Annual Fee
See website* See website* Bad Credit* See website*

UltraVX Visa®

UltraVX Visa® Apply for UltraVX Visa®

  • Credit-On Demand™: up to $25,000 credit line—Patent Pending
  • 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

Intro APR Regular APR Credit Needed Annual Fee
N/A* 14.90%* Bad Credit* $0.00*

UPside Visa® Prepaid Card

UPside Visa® Prepaid Card Apply for UPside Visa® Prepaid Card

  • The power of a bank account in a Visa Prepaid card
  • Save up to $230 compared with other cards, the first year alone
  • $0 activation fee. $0 monthly fee if $400 load is made each month. (Otherwise, a $1.99 fee/month, still less than our competitors)
  • Free Direct Deposit from employers
  • No credit check. Bad credit or no credit? That's ok
  • Deposit cash at 60,000 locations nationwide
  • Write personal checks online: easy to pay rent or other bills
  • Accepted anywhere Visa debit cards are accepted. Optional companion card

Intro APR Regular APR Credit Needed Annual Fee
N/A* N/A* No Credit Check* Free if minimum load is received each month. $1.99 otherwise

New Millennium Bank Secured Black Diamond Visa® or MasterCard®

New Millennium Bank Secured Black Diamond Visa® or MasterCard® Apply for New Millennium Bank Secured Black Diamond Visa® or MasterCard®

  • Approved regardless of credit history*
  • Credit limits up to $10,000*
  • Reports to all 3 bureaus
  • Get cash at over 740,000 ATMs
  • No credit check

Intro APR Regular APR Credit Needed Annual Fee
N/A* 19.50%* Bad Credit* $59.00*

New Millennium Bank Secured Gold Visa® or MasterCard®

New Millennium Bank Secured Gold Visa® or MasterCard® Apply for New Millennium Bank Secured Gold Visa® or MasterCard®

  • Approved regardless of credit history*
  • Credit limits up to $10,000*
  • Reports to all 3 bureaus
  • Get cash at over 740,000 ATMs
  • No credit check

Intro APR Regular APR Credit Needed Annual Fee
N/A* 19.50%* Bad Credit* $59.00*

New Millennium Bank Secured Platinum Visa® or MasterCard®

New Millennium Bank Secured Platinum Visa® or MasterCard® Apply for New Millennium Bank Secured Platinum Visa® or MasterCard®

  • Guaranteed Issue*
  • Complimentary online services for account management and payments
  • No credit check*
  • Be approved regardless of income or credit history*
  • Reports to the three major credit bureaus

Intro APR Regular APR Credit Needed Annual Fee
0.00%* 19.50%* Bad Credit* $0.00*

Public Savings Bank Classic Visa®

Public Savings Bank Classic Visa® Apply for Public Savings Bank Classic Visa®

  • 0% APR on purchases for 6 months
  • No annual or monthly fees
  • 25 day grace period
  • We report to all 3 credit bureaus
  • No credit, income or employment requirements
  • Use the card everywhere you see Visa logo
  • Free fraud protection against unauthorized use
  • No penalty APR

Intro APR Regular APR Credit Needed Annual Fee
0.00%* 11.24%* Bad Credit* None*

The credit card information shown here is provided by CardOffers.com. Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.