Credit Cards for People with Bad Credit

Having bad credit doesn't mean you can't qualify for a credit card, although you will be hard-pressed to find one with a low interest rate. Ironically, the best way to build good credit is to incur some debt and pay it off within a reasonable amount of time.

So, if you currently have poor credit, try to think of your credit card as a means to prove yourself to the system that has branded you a high risk. You will probably have to start with a secured credit card, which means you provide cash up front and are then extended a credit line.

This is the only way the credit card company will trust you in paying off your purchases. However, by using a secured credit card in a responsible manner, you will soon qualify for a regular credit card and begin rebuilding your credit score.

Credit Panda's Recommended Credit Card

Credit Panda recommends Orchard Bank Platinum MasterCard® as our favorite Bad Credit credit card.

  • Premium Platinum Benefits Including Purchase Protection
  • Enjoy the Prestige of Platinum with No Up Front Fees
  • Free Online 24-Hour Account Access and Bill Pay
  • Reports to All 3 Credit Bureaus Monthly
  • Periodic Credit Limit Increases
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

14.90% Variable

$39

Bad Credit OK

Continental Finance Gold MasterCard®

  • Unsecured MasterCard Accepted at Millions of Locations Worldwide
  • Rates As Low as 9.75% APR
  • FREE Online Access
  • Monthly Reporting to the Major Credit Bureaus
  • Excellent Online Tools for Managing Your Finances
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

9.75%* Fixed

$25

Bad Credit OK

Orchard Bank Classic MasterCard®

  • Reports to All 3 Credit Bureaus Monthly
  • Receive MasterCard® Privileges and Benefits
  • Periodic Credit Limit Increases
  • Free Online 24-Hour Account Access and Bill Pay
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

Varies

$49

Bad Credit OK

Salute® Visa® Gold Credit Card

  • Reports to Major Credit Bureaus
  • The Power of an Unsecured Visa
  • Rebuild Poor CreditCash Advance Access
  • Credit Limit Increases For Accounts in Good Standing
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No introductory rate available

19.50% Variable

$150

Bad Credit OK

Rewards 660 Visa® Card

  • Bad Credit? No Credit? Why This Card? Because You Can Increase Your Credit Limit to as Much as $2,000 with Good Perfomaance Over Time!
  • $300 Starting Credit Limit. No Fee Credit Limit Increases. Maximum $2,000 Credit Limit After Increases!
  • Can You Make a $70 Monthly Payment? Can You Prove It? Then You may Qualify!
  • Do You make $1,500 a Month? Can You Prove It? Then You May Qualify!
  • Initial Payment of $40 Required Before Account Can Be Used
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No introductory rate available

19.92% Variable

$48

Bad Credit OK

Continental Finance MasterCard®

  • Monthly Reporting to the Major Credit Bureaus
  • Get Your Application Results in Seconds
  • Excellent Online Tools for Managing Your Finances
  • Free Online Access
  • Semi-Annual Credit Limit Increases
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No introductory rate available

19.92% Variable

$48

Bad Credit OK