0% Credit Cards for Bad Credit
Zero percent credit cards give you extra time to pay off new purchases before incurring interest charges, but given that issuers tend to only offer these cards to consumers with above-average credit scores, there’s a good chance that there will not be any 0% credit cards for bad credit contained in the following list of credit cards for people with poor credit. If there are, keep in mind that you might be paying for the lower interest rate with higher monthly and annual fees. The reason for this is that people with bad credit must regain the trust of creditors before qualifying for cards with unadulterated perks. To do so, we suggest putting your big-ticket purchase on hold, opening a secured credit card and paying your bill on time and in full every single month. This will allow you to build credit at a minimal cost and expedite your ability to qualify for a true 0% credit card. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
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Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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23.99% (V)
Rewards Details
- Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Additional Info
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
- We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
- New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Secured Card - No Annual Fee
Secured Card
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Min Deposit of $49, $99 or $200
One-Time Fees
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None
Regular APR
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24.99% (V)
Additional Info
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- See More Details & Reviews About TheCapital One® Secured Mastercard®
One-Time Fees
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None
Regular APR
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16.99% - 24.99% (V)
Rewards Details
- Receive 1% cash back on eligible purchases, terms apply
Additional Info
- Make paying your bill easier with the ability to choose your payment date. Terms apply.
- See if you Pre-Qualify without harming your credit score
- Zero fraud liability protects you from unauthorized charges
- Monitor your credit with free online access to your credit score
- Show off your style with a premium card design, a fee may apply
- Receive opportunities for credit line increases, a fee may apply
- Email or text alerts to remind you when your payment is due
- See More Details & Reviews About TheCredit One Bank® Platinum Visa®
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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9.99%
Additional Info
- Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional primor® Secured Visa® Gold Card details
- See More Details & Reviews About Theprimor® Secured Visa® Gold Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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13.99%
Additional Info
- Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional primor® Secured Visa® Classic Card details
- See More Details & Reviews About Theprimor® Secured Visa® Classic Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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18.39% (V)
Additional Info
- Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
- Choose your credit line as low as $200 up to $3000, secured by a fully‐refundable* security deposit.
- Security deposit needs to be submitted before the credit card can be issued.
- No credit check necessary and no checking account required; apply in less than 5 minutes.
- Extra credit when you need it, increase your credit line up to $5000.
- Access to online financial education.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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13.99% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum MasterCard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Select MasterCard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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19.99% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum MasterCard® Secured Credit Card
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Elite MasterCard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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9.99% (V)
Additional Info
- No credit history or minimum credit score required for approval.
- Monthly reporting to all 3 major credit bureaus to help build credit.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Prestige MasterCard® Secured Credit Card
One-Time Fees
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$89*
Regular APR
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29.99%
Annual Fee
$75 1st yr, $48 after
Monthly Fee
None 1st year, $6.25 after
Minimum Credit
Bad
Additional Info
- Access credit even if you have poor or limited credit history
- Quick and Easy Secure Online Application
- A genuine VISA card accepted by merchants nationwide
- Get a response in as little as 60 seconds!
- Reporting to 3 major credit bureaus
- Apply today! If approved Access your credit after paying a one-time processing fee.
- Reports monthly to all three major credit bureaus
- *Application Processing Fee - $89
- See More Details & Reviews About TheFirst Access VISA® Credit Card
Community Discussion
Comparing 0% Credit Cards for Bad Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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