Credit Card Offers for People With Bad Credit

Written by: Valencia Higuera

Poor credit habits and ignoring credit card statements can result in your creditors lowering your credit limit and even closing your credit card accounts. If you have a history of bad credit, but you’re ready to get your act together, take advantage of credit cards for bad credit.

Credit card offers for people with bad credit have helped countless improve their credit history. Bad credit is fixable and it doesn’t take years to increase credit score points. Opening a new credit card account is one way to boost your credit, and plenty of credit card companies have offers specifically designed for people with bad credit.

Capital One Secured MasterCard

Apply for this credit card and pay no processing fee or application fee. This credit card does require a security deposit, but it is completely refundable after several months of timely payments. The credit card company will regularly monitor your progress and they’ll reward your good payment habits with credit limit increases. You can use your secured MasterCard wherever MasterCard is accepted worldwide. Plus, this credit card reports to the three credit reporting bureaus. The regular APR is 22.90% and there is a $29 annual fee.

First Premier Bank MasterCard

Perfect for people with poor credit, you can apply for this credit card and receive a $300 credit limit. The application process is simple and fast, and this credit card sends regular updates to the three major credit reporting bureaus. This credit card requires a checking account. There is a $95 processing fee, as well as a first-year annual fee of $75. The annual fee is $45 thereafter.

Applied Bank Secured Visa Gold Credit Card

This credit card will report your credit activity to the three major credit reporting bureaus. You can activate your credit card with a security deposit as low as $200 and enjoy a credit limit of an equal amount. There is no credit check and good payment habits can result in credit limit increases with no further deposits. This credit card offers a low, fixed APR of 9.99%. There is a $50 annual fee.

First Progress Platinum Secured MasterCard

Apply online for the First Progress Platinum secured credit card and begin rebuilding your credit history. Available to people with no credit and bad credit, this credit card reports monthly to the credit bureaus. You can use your credit card for hotels and car rentals, and anywhere MasterCard is accepted. Approval is subject to a security deposit between $300 and $2,000, in which the credit card company will offer a credit limit of an equal amount. You can request your deposit back at any time by paying off your balance in full. Enjoy 24 hour online account access and a low 14.99% APR. There is a $39 annual fee. Unfortunately, the First Progress Platinum secured MasterCard isn’t available to residence in New York, Wisconsin, Iowa or Arkansas.


Credit Card Offers for People With Bad Credit

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