Sydney Garth, Credit Cards Moderator
@sydneygarth
The best credit cards for poor credit with no processing fee are the Credit One Bank® Visa® Credit Card and the Official NASCAR® Credit Card from Credit One Bank®. Both have annual fees of $0 to $99, depending on how bad your credit is, but there’s no one-time fee for application processing. Although some unsecured credit cards for people with poor credit do charge processing fees, there are at least a few options without them.
People in search of credit cards for poor credit with no processing fees have even more choices when they consider secured credit cards. For example, you’ll have to place a refundable deposit of at least $200 to get the Secured Mastercard® from Capital One and the Discover it® Secured Credit Card, but neither charges an annual fee or a processing fee.
The truth is, most credit cards for people with bad credit don’t charge processing fees. So, you shouldn’t ever settle for paying one. You can learn a bit more about the best alternatives below.
Here are the best credit cards for bad credit with no processing fee:
- No security deposit: Credit One Bank® Visa® Credit Card – No processing fee. $0 - $99 annual fee. $300+ limit.
- Partly unsecured: Secured Mastercard® from Capital One – No processing fee. $0 annual fee. $49, $99 or $200 deposit. $200+ limit.
- NASCAR fans: $0 - $99 – No processing fee. $0 - $99 annual fee. $300+ limit.
- No credit check: OpenSky® Secured Visa® Credit Card – No processing fee. $35 annual fee. $200 deposit. $200+ limit.
- Rewards: Discover it® Secured Credit Card – No processing fee. $0 annual fee. $200 deposit. $200+ limit.
If you’re worried about keeping costs down, try to get a credit card for poor credit with no processing fee, no annual fee and no monthly fee. You should try to pay your bill in full every month too. Even the best cards for bad credit have really high interest rates.

2021's Credit Cards for Bad Credit
Compare CardsBart Ashton, Member
@bart_ashton
The Green Dot primor Visa Gold Secured Credit Card is pretty good. Security deposit starts from $200. It's fast and easy to apply for and will help build up your credit score.
Debbie Fischer, Working Mom
@globetrotter4li
Capital One Secured or Discover it Secured.
People also ask
Eileen Winters, Member
@eileen_winters
Plenty of secured credit cards have no processing fee. Credit One have pretty good ones, but you can easily count on Opensky.
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