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 Bad Credit Cards

Bad Credit Credit Cards

Bad credit credit card can sometime be referred to as a secured credit cards or a  guaranteed approval cards which are a fast way to re-building good credit.

Many times, the bad credit card company will determine that the consumer has some degree of risk and may only offer a secured credit card. When determining risk, they look at employment income, current debt and credit rating. If you have bad credit or poor credit for any reason, or as yet no credit rating, a secured credit card may be your only option.

Having secured credit cards means you cannot spend more than you place on deposit. There is no risk to the bank or credit card company, as they are not extending you any credit. They are guaranteed to get their money. Secured credit cards are a great starting place to re-establish credit or get credit started.

The Visa or MasterCard application for a secured bad credit card is the same application for any credit card. Secured credit cards will still have fees attached for use of the card and terms vary widely between companies. Students who want credit will often receive this type of secured credit card. The benefits of having a guaranteed approval credit card is that it carries the credit card name like Visa or American Express and can be used to book travel or car rental, or make purchases on the Internet. Once credit is established and if credit history is good, it is reasonable to apply for an unsecured credit card. Then you can shop around for your unsecured credit card with the bonuses, offers and rewards that work best for you. My recommendations are listed below in order.

Featured Bad Credit or Poor Credit Credit Cards


Orchard Bank Secured MasterCard®

bad credit credit cards

  • Reports to all 3 credit bureaus monthly, which can help improve your credit score
  • Free Online 24-hour Account Access and Bill Pay
  • Complete your application, including your security deposit, online
  • Set your own credit limit
  • Processing Fee: $0
  • Annual Fee: $35
  • APR: 14.90%* 

Eufora™ MasterCard® Card
Eufora MasterCard Card

Apply now for the most exciting Pre-paid card in the industry, the Eufora Card. Bad Credit, No Credit, No Problem. The Eufora Pre-paid MasterCard with Credit Builder can help you build or rebuild your credit. Eufora Cardholders also have the opportunity to be automatically entered into a MONTHLY new car sweepstakes. Guaranteed Approval!

  • Guaranteed Approval†
  • No Credit Check
  • $5,000 Maximum Card Balance
  • Cash Rewards Program
  • Auto Sweepstakes
  • 5 Ways to Load Funds
  • MasterCard® Benefits

Liberty Union Visa® Debit Card
Liberty Union Visa Debit Card

Works where ever Visa® is accepted. Great for budget management. Works like a credit card, but you can spend only what you load to your account. You cannot build up costly credit card debt. Safe and great for travel expenses. Now with Credit Builder Features. Apply Now!

  • Enjoy the Purchasing Power of the Liberty Union Credit Card with up to a $5,000 Load Limit
  • Cardholders may be Approved for a separate UNSECURED Cash Advance Loan of up to $1,500
  • No Credit Checks
  • No Turndowns*
  • No Security Deposit
  • No Employment Required

Pulaski Bank Visa Gold

Pulaski Bank Visa Gold

Don't be left out in the cold with your current credit card. Zero worries. Zero hassles. Zero % Balance Transfers. Apply Now!

  • 9.50% APR
  • Low Rate
  • No Annual Fee
  • 0% Balance Transfers

Bad Credit Credit Cards To Student Cards