Credit Cards And Prepaid Debit Cards For Bad Credit

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This section features Credit Cards and Prepaid Debit Cards for people with bad credit score (below 640-660) or no credit history. These cards may be able to help build, rebuild, or re-establish your credit history if you pay your bills on time with all your creditors and maintain your account balances below the credit limits. These credit cards and prepaid cards may charge additional fees, other than the annual fee. Take time to read the terms and conditions of each card when applying.

Effective from Feb 22, 2010, U.S. federal laws under the Credit CARD Act of 2009 impose restrictions on issuing credit cards to people under 21 unless the applicant has the independent ability to repay debt, or has an adult co-signer who agrees to accept joint liability for the account.

• Credit Card Name
• Reward Type
• Introductory APR
• Typical APR
• Annual Fee

• Capital One® Secured MasterCard®
• Perks
• No Introductory Information Available
• 22.9% (V)
• $29

• Get the credit you need with no processing fees or application fees
• Automatic reporting to the 3 major credit bureaus
• Track credit with access to your credit score and other tools
• Your refundable security deposit can get you a line up to $3000
• You may qualify for credit line increases with no further security deposit required
• Use it like any MasterCard credit card, accepted at millions of locations worldwide

• No Introductory Information Available

• APR For Purchases: 22.9% (V)
• APR For Cash Advances: 24.9% (V)

• Annual Fee: $29
• Cash Advance Fee: 3% of amount of the cash advance, but not less than $10
• Balance Transfer Fee: $0
• Late Payment Fee: $19

Read Our Review Of Capital One® Secured MasterCard®

• Orchard Bank® Visa® Cards
• Perks
• No introductory rate information available.
• N/A
• $0

• Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages are available to remind you of your upcoming payment due date
• Knowledgeable customer service representatives to assist you with questions or concerns

• Additional Perks: See website for additional benefits.

• No introductory rate information available.

• APR For Purchases: 14.99% or 24.99%, or 7.99% for secured cards
• APR For Cash Advances: 20.90%

• Annual Fee: $39 or $59 the first year
• Cash Advance Fee: A 5% ($5 minimum) Cash Advance Fee will apply to cash advances, unless otherwise disclosed.
• Balance Transfer Fee: 5% ($5 minimum)
• Over The Limit Fee: Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250
• Late Payment Fee: Up to $35

Read Our Review Of Orchard Bank® Visa® Cards

• Capital One® Secured MasterCard®
• Perks
• No Introductory Information Available
• 22.9% (V)
• $29

• Get the credit you need with no processing fees or application fees
• Automatic reporting to the 3 major credit bureaus
• Track credit with access to your credit score and other tools
• Your refundable security deposit can get you a line up to $3000
• You may qualify for credit line increases with no further security deposit required
• Use it like any MasterCard credit card, accepted at millions of locations worldwide

• No Introductory Information Available

• APR For Purchases: 22.9% (V)
• APR For Cash Advances: 24.9% (V)

• Annual Fee: $29
• Cash Advance Fee: 3% of amount of the cash advance, but not less than $10
• Balance Transfer Fee: $0
• Late Payment Fee: $19

Read Our Review Of Capital One® Secured MasterCard®

• American Express® Prepaid Card
• Perks
• No Introductory Rate Available.
• N/A
• $0

• No annual fees or monthly fees
• No purchase fees or overdraft fees
• No credit check required
• Purchase Protection
• Fraud Protection
• Roadside Assistance
• Award-winning customer service

• Additional Perks: World-Class 24-hour Customer Service. Order up to three cards. Global Assist® Services. Entertainment Access®. Roadside Assistance. Purchase Protection.
The American Express® Prepaid Card is a prepaid card that allows you to spend like cash while enjoying the full benefits of a card membership. This isn't your typical card loaded with unnecessary fees – you won't be required to pay any annual fees, monthly fees, purchase fees or overdraft fees. But it doesn't end there. You can sign up for card membership at ease knowing there is no credit check. Enjoy all the exclusive perks that come with owning an American Express® Prepaid Card, including Purchase Protection, Fraud Protection and Roadside Assistance. And if you have any questions regarding your card, simply contact their award-winning customer service. Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

• No Introductory Rate Available.

• Cash Advance Fee: One free ATM withdrawal monthly. Thereafter, a fee of $2.00 per withdrawal is assessed against the Card balance.

Read Our Review Of American Express® Prepaid Card

• Platinum Zero® Secured Visa® Credit Card from Applied Bank®
• Perks
• No Introductory Rate Available
• 0%
• $0

• ZERO - 0% FIXED APR on Purchases - No Intro Rates!
• ZERO - 0% Rate Won’t Change - Even If You’re Late!
• ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
• ZERO Application Fees
• ZERO Worries - FREE Personal ID Theft Protection
• ZERO Delays - Timely CREDIT Bureau Reporting

• Additional Perks: See website for additional benefits.

• No Introductory Rate Available

• APR For Purchases: 0%
• APR For Cash Advances: 9.99%

• Annual Fee: $0
• Cash Advance Fee: The greater of $5.00 or 5% of each Cash Advance which includes, but is not limited to, ATM and convenience check usage.
• Over The Limit Fee: Up to $35
• Late Payment Fee: Up to $35

Read Our Review Of Platinum Zero® Secured Visa® Credit Card from Applied Bank®

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