3 Great Credit Cards for Bad Credit

It used to be hard to get a credit card for those with bad credit, especially one that doesn’t burden you with high rates and fees. The good news is things have changed for the better.

So we’ve put together a list of the best credit cards with great rewards and no crazy fees for those who are rebuilding their credit.

Quick credit cards for bad credit

Capital One Quicksilver offers 1.5% cashback, which is better than most cards available to those with excellent credit. The card provides an interesting promo to new cardholders. It doesn’t charge any interest on new purchases that are made with the card until January 2017.

You need to know that Quicksilver does charge a $39 annual fee, but between the 0% intro APR offer and the 1.5% cashback program, you can easily recover that fee and then make and/or save money using the card.

Quick credit cards for bad credit

Barclaycard Rewards is an excellent card for those with imperfect credit. It offers a rewards program that is as good as most cards requiring excellent credit. You get 2 points per $1 spent on groceries, utilities, gas, and 1 point per $1 on everything else. In addition to the attractive rewards program, the card helps you with the credit rebuilding process. It gives you free access to your FICO score online, so you can see where you are with your credit score.

It will increase your initial credit line after 5 consecutive on-time payments, and the credit agencies usually look at this favorably. The card does not charge an annual fee.

Quick credit cards for bad credit

You can get a quick pre-qualification for Milestone Gold, and it won’t have any impact on your credit score, which is different than the typical card application process. It ‘quietly’ checks your credit suitability so that there will be no impact from the pre-qualification process. Then, if you choose to accept the offer, a full credit inquiry will take place.

Milestone Gold does carry a fee, so make sure you are comfortable paying $35-$99 before you make the actual application.

As you can see, there are credit card options available even to those who don’t have good credit. Do you have any experience with these cards? Tell us in the comments below and be sure to learn about 5 essential rules to managing debt and 5 great online banks.

Credit Cards and Prepaid Cards for People with Bad Credit

Having bad credit and looking for the best credit offers for you? You have chosen the right site! We present prepaid cards and credit cards for people with bad credit history. Compare the offers at our site and submit your application online!

All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

$500 Credit Limit. No Credit Check.

No Employment Check.

Must have Active Debit Card or Credit Card to qualify.

  • Get the security and convenience of a full-feature, unsecured VISAВ® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!

Quick credit cards for bad credit

  • It takes less than 1 minute
  • Will Not Affect Your Credit Score

Are you interested in finding credit cards, debit cards, or prepaid cards that are offered to people with less than perfect credit? We offer a wide range of these types of card offers.

When money is tight, it’s good to have a few tricks up your sleeve for painlessly saving money. Everyone has heard the old advice about making coffee at home and skipping the fancy latte on the way .

October 07, 2016

If you've ever been slapped with a credit card fee, you know it's no fun at all. You can incur a fee for making a late payment, getting money out of an ATM, buying something with your card overseas, .

Ask our credit card experts and you'll receive the answers by e-mail.

Quick Installment Loans Online – No Credit Check, For Bad Credit #top #10 #credit #cards

Four out of five applicants approved

Cash deposited in your account within a few hours

InstallmentLoansOnline.us is your source for personal installment loans. If you have a stable monthly income but need some extra cash between paychecks, you have come to the right place. We provide our customers with quick, convenient and reliable lending service. You can qualify for unsecured installment loans online and get the cash you need just within a few hours.

We offer short-term installment loans to cover your emergency spending needs. If you need extra cash between paychecks, let us prevent you from late fees and costly charges. With online installment loans you don’t have to stay in line at your local loan store. You can apply for a payday installment loan from the convenience of your home or office and get the money you need the same business day.

We make approval process as simple as possible for our customers. It only takes a few minutes to fill out our easy two-step application, and ones it has been approved, the monthly installment loan amount is directly deposited in your checking account the same banking day. You will not have to shop for other more expensive installment loan lenders. We provide guaranteed installment loans with no faxing. It means that you will not have to fax statement documents and you will get your finds without any paperwork.

If bad credit is keeping you from applying for a loan with us, please don’t worry. You can qualify for installment loans no credit check with bad credit and even if you have no credit. We don’t perform credit checks and don’t evaluate that criteria before approving your application. Bad credit installment loans are designed for the times when you need a loan urgently and nobody else will lend it to you. Our small installment loans are a great resource for many people with poor credit who have bad luck. Just apply right now and get the easiest installment loans for people with bad credit on the Web. The only thing you need is an active checking account and a regular monthly income.

Obtaining online installment loans is very easy and secure. Our advanced encryption and security measures ensure the safety of your financial and personal information when applying for no credit check installment loans on our website. We respect your privacy and are committed to safeguarding your personal information responsibly.

Best Canadian Credit Cards for Bad Credit

Canadian financial institutions offer credit cards to customers from different walks of life, corporate entities, small business owners, and other entities.

The best Canadian credit card products feature affordable rates on balance transfers and purchases, high limits, and incentives such as cash rewards, promotional offers, and gift cards. Some of the best Canadian credit cards are offered by MBNA, CIBC, TD, RBC, and other big banks. There are great card benefits such as airline credit, travel convenience, quick and convenient money transfers, and others. With credit cards Canada based customers benefit from exclusive and bespoke offers, incentive programs, and secure payment options. To offer the best credit cards Canada based financial establishments add incentives and perks such as family entertainment, theatre, sports, comedy, and music tickets. Looking for the best credit card Canada customers also consider perks such as electronic goods, free flights, in-flight entertainment, and high payouts.

Some issuers offer prepaid, secured, and gift cards. There are different Canadian credit cards for bad credit that help users to build a solid history. Responsible use and timely payments are the key. A credit card for bad credit comes with a limit that is normally equal or lower than the sum deposited. Shopping for credit cards for bad credit Canada residents find offers by big banks such as Capital One, CIBC, Toronto-Dominion, and others. With bad credit credit cards Canada customers have the chance to improve their credit and apply for a standard card.

When you compare credit cards Canada has plenty to offer, from retail and department store to rewards and specialty cards. Look at factors such as rates and limits, penalty rates, caps on rewards points, expiry dates, and others. With the help of credit card comparison Canada customers can find a suitable product for their income, budget, and lifestyle.

Credit Cards Canada Instant Approval

With instant approval credit cards Canada customers enjoy quick and easy application process. These cards are especially useful if you need quick cash for emergencies, travel, or big-ticket purchase.

Advertising the best rewards credit card Canada based finance companies and banks feature products for travelers, students, and savvy customers. With the best travel rewards credit card Canada travelers have access to both discount airfare and free tickets. Businesses also benefit from additional employee cards, travel assistance, and exclusive travel bonuses. The best travel credit card for businesses features incentive programs, perks such as free hotel nights, and others.

Walmart offers two card options with no annual fee, gas savings, and other benefits. With Walmart Mastercard Canada customers receive quick cash in 5 $20-increments. There are plenty of benefits for holders, from rewards points to supplementary cards at no added cost. Customers who opt for recurring bill payments earn more points. Purchases made at Walmart stores earn 1.25 percent. All other purchases earn at a rate of 1 percent. There is a handy online calculator to calculate rewards based on spending. For example, if you spend $920 in Walmart purchases, you will get $210 in rewards. The best part is that there is no expiration date.

  • Interest rate: 25.99 percent
  • Preferred rate: 19.89 percent
  • Annual fee: none

Secured credit cards are offered by TD, CIBC, and other banks and are intended for customers with less-than-perfect and fair credit. With a secured credit card Canada based customers are offered the opportunity to build credit.

Quick credit cards for bad credit

This card is a good choice for borrowers with tarnished or fair credit and almost anyone gets approved. Home Trust requires a security deposit that can be as low as $500 and as high as $10,000. You can deposit cash in different ways – through bank draft, money order, personal certified check, or personal check. Customers are free to add an authorized user. There are two options to choose from:

Capital One Low Rate Guaranteed Secured Mastercard

This is yet another card to boost your credit score, and Capital One advertises guaranteed approval. You may be asked to make a security deposit based on your credit profile. The deposit varies and can be as low as $75. Customers are offered zero liability and other standard extras by MasterCard. Those who hold the Gold MasterCard also benefit from perks such as travel assistance, baggage delay, and car rental collision coverage.

  • Interest rate on cash advances: 19.8 percent
  • Interest rate on balance transfers and purchases: 14.9 percent
  • Annual fee: $79

The Canadian Tire Credit Card is one option for everyday purchases and comes in several versions – the Cash Advantage MasterCard, Gas Advantage MasterCard, and Options MasterCard. You can go for a Canadian Tire Master Card with bonuses, money rewards, cash advances, and other benefits. To apply for the Canadian Tire Options Mastercard, fill in your address, employment type, social insurance number, and other details. The Cash Advantage MasterCard is another Canadian Tire credit card that allows customers to earn 3 percent cashback at Mark’s Work Wearhouse and Canadian Tire gas bars and stores. Other purchases earn 1 percent cashback. Online banking is offered so that customers make updates, check their rewards balance, and track transactions. To track payments on your Canadian Tire Mastercard login and view your electronic statements and transactions.

There is a selection of specialty and standard credit cards for different income levels and requirements. Canadian banks offer secured and unsecured cards, depending on your credit rating. Besides world acceptance, Visa credit cards offer emergency assistance and roadside dispatch, rewards programs, and other benefits. Premium rewards cards offer added benefits such as access to signature events and sports events, free nights at select hotels and resorts, discounts, and other benefits.

Low interest cards usually feature interest rates in the range of 0 to 12 percent. They are offered by major credit card companies and banks in Canada and feature added benefits such as cash back, no rotating bonus categories, one-time bonuses, no annual fees, no blackout dates, and others.

This card is also offered to consumers who want to lower their interest and borrowing costs. Scotiabank features a special rate of 3.99 percent valid over a 6-month period. This makes it the perfect balance transfer card to save on interest charges and repay outstanding balances. The fact that there is no balance transfer fee means that you save even more. Supplementary cards are also offered as well as extras such as card protection, phone banking, and checks to pay utilities, medical bills, big-ticket and one-time purchases, and insurance premiums.

  • Annual fee: none
  • Interest rate: 16.99 percent
  • Interest-free period: min 21 days
  • Min credit limit: $500

Toronto-Dominion features a low-rate card with a minimum credit limit of $1,000. This is a cost-effective solution with a variable rate and added and optional benefits such as secure transactions, car rental discounts, and travel medical insurance. Holders are free to add up to three authorized users. This card is also a good choice if you want to transfer high-interest balances and consolidate debts to reduce your interest payments and keep track of spending.

  • Interest rate: TD prime + 1.50 percent to 12.75 percent
  • Annual fee: $25

The Bank of Montreal features a low-rate card with travel and standard benefits such as emergency replacement, roadside assistance, and coverage for emergency transportation, ambulance, hospital, and dental expenses. The grace period is 21 days, and online orders and bookings are free. Applicants provide employment, income, and personal information such as rent or mortgage amount, social insurance number, income amount, and employer.

  • Standard rate: 17.50 percent
  • Annual fee: $0
  • Low-interest option:
  • Interest rate: 11.90 percent
  • Annual fee: $20

To qualify, customers need a household income of at least $15,000. Those who meet the criteria benefit from perks such as free personalized checks, car rental discounts, and free supplementary cards. The low rate helps users save a lot in charges. With a balance of $5,000, for instance, borrowers save $300.50 a year. Cash advances are available based on credit limit. The rate on advances and balance transfers is 13.99 percent.

  • Purchase interest rate: 13.99 percent
  • Annual fee: $29

Capital One Low Rate Guaranteed MasterCard

This low-rate card is intended for borrowers who seek to rebuild their credit history. Payments are reported to the bureaus, and on-time monthly payments help improve their score. The bank promises guaranteed approval and offers a reasonable credit limit of $300 or higher. Security funds are required in the amount of $75 to $300. They are used as collateral. Benefits such as ATM referrals and emergency cash advances apply.

Bad Credit Loans We Can Help When Others Can't

Bad credit is a problem that plagues millions of Americans. To many individuals, their credit rating may just be an arbitrary number that sums up their financial standing, but in reality it is an important number that speaks to an individual’s financial health. A bad credit rating can prevent people from getting the financial help they need. Lenders aren’t going to give their money to people with a poor credit rating for fear that they will never see that money again, yet those with poor credit are often the ones most in need of money to help solve or avert financial problems.

When You Need a Line of Credit

When individuals are facing financial challenges, it becomes difficult to overcome these hurdles without cash. Unfortunately, those with bad credit are almost universally denied loans by banks and other traditional lending institutions. They usually have access, however to credit cards, which are both a source of financial strength and a potential financial pitfall. With fewer retail and other businesses accepting checks these days, credit cards are a must for any individual wishing to pay for goods and services. What options are there, though, for those with bad credit?

There are actually a wide range of bad credit credit cards available to help individuals with poor or no credit pay for goods and services. The purpose of any bad credit credit card is to allow individuals the access to credit they need without risking further damage to their credit rating or debt they cannot handle.

Credit Cards Designed Specifically for Your Situation

Most credit cards are only available to those with good credit, leaving those with bad credit out in the cold. However, a bad credit credit card is available regardless of an individual’s credit standing. The credit card request process is quick and easy. To get the credit card request process started individuals need only provide the following information:

Once a request process has been started individuals will need to choose between the various types of bad credit credit cards. There are several different types of these cards available, and the type that an individual chooses to obtain will depend upon just how fragile their financial standing is. The typical options for bad credit credit cards include the following:

Not every type of bad credit credit card will be a good option for every individual. A brief look at these three main types of cards should help any individual determine which card can help for their financial situation.

A prepaid credit card is exactly what it sounds like. Individuals deposit a set amount of funds directly onto their card and are free to spend with the card just like any other card. However, the card is no longer usable once the individual uses up all the money on the card. This type of card may help those trying to build a credit rating, as not everyone has cash in hand to deposit onto a card to begin with. Prepaid card users should be aware though that these cards often carry high fees, so it is important to spend wisely.

Secured credit cards are often issued by banks or credit unions and require individuals to open an account with the institution and deposit funds in the account. These funds are held as an insurance of sorts by the bank in the event that bills cannot be paid. Just like prepaid cards, secured cards carry high fees as well.

Debit cards work differently than both of these. In order for a debit card to work individuals must already have funds in the checking account attached to the card. When a purchase is made the money is drawn immediately from the account. These cards are also good for those with bad or no credit because it limits their spending to the money they currently have.

You Can Get the Help You’re Looking For

Bad credit credit cards are issued by all the major credit card companies across the world, such as Visa, MasterCard and Discover, and they can be used just like any other credit card. Most of the companies report to credit bureaus on a monthly basis, meaning those with bad credit or no credit can swiftly repair their credit rating while working their way out of debt with a bad credit credit card.