0% Credit Cards for Bad Credit
WalletHub makes it easy to find the best credit card for bad credit.
Zero percent credit cards give you extra time to pay off new purchases before incurring interest charges. But credit card companies tend to offer these cards only to consumers with above-average credit scores. So there’s a good chance that you won’t find any 0% credit cards for bad credit in the following list of credit cards for people with poor credit scores (some cards are from WalletHub partners). People with bad credit must regain the trust of creditors before qualifying for cards with elite perks.Â
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Given that 0% APR credit cards for people with bad credit are neither available now nor likely to be available anytime soon, we’ll highlight the best overall credit cards for bad credit below. They can help you build the good credit needed to qualify for a worthwhile 0% credit card down the line.Â
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Given that 0% APR credit cards for people with bad credit are neither available now nor likely to be available anytime soon, we’ll highlight the best overall credit cards for bad credit below. They can help you build the good credit needed to qualify for a worthwhile 0% credit card down the line.Â
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Best Credit Cards for Bad Credit of 2021:
- Discover it® Secured Credit Card
- Credit One Bank® Platinum Visa® for Rebuilding Credit
- Bank of America® Customized Cash Rewards Secured Credit Card
- OpenSky® Secured Visa® Credit Card
- Capital One Quicksilver Secured Cash Rewards Credit Card
- Indigo® Mastercard® for Less than Perfect Credit
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Aspire® Credit Card Aspire® Credit Card
One-Time Fees
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None
Regular APR
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29.99% (V)
Annual Fee
$85-$175 1st yr, $29-$49 after
Monthly Fee
$0 1st yr, $7.25-$12.50 after
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Bad
Rewards Details
- Earn 3% cash back reward on eligible gas, grocery, and utility purchases or payments.
- Earn 1% cash back reward on all other eligible purchases.
Additional Info
- See if you are Pre-Qualified with no impact to your credit score.
- Free access to your VantageScore 3.0 credit score from Equifax.
- Fast and easy application process; get the result in seconds.
- Add your card to Apple Pay®, Google Pay™ or Samsung Pay®, for easy contactless payments.
- Periodic credit limit increase reviews
- See More Details & Reviews About TheAspire® Credit Card
Fortiva® Cash Back Reward Card Fortiva® Cash Back Reward Card
One-Time Fees
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None
Regular APR
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29.99% (V)
Annual Fee
$85 - $175 1st yr, $29 - $49 after
Monthly Fee
$0 1st yr, $7.25 - $12.50 after
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Bad
Rewards Details
- Earn 3% Cash Back reward on eligible gas, grocery, and utility purchases or payments
- Earn 1% Cash Back reward on all other eligible purchases
Additional Info
- Pre-Qualify instantly without impacting your credit score
- Up to $1,000 Credit Limit subject to credit approval
- Free access to your VantageScore 3.0 credit score from Equifax
- No Initial Deposit or Program Fees needed to open an account
- Add your card to Apple Pay, Google Pay or Samsung Pay, for easy contactless payments.
- See More Details & Reviews About TheFortiva® Cash Back Reward Card
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card
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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26.99% (V)
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1.5% Cash Back
Minimum Credit
Bad
Rewards Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you're approved in seconds
- Earn unlimited 1.5% cash back on every purchase, everywhere. It's that simple
- Straightforward cash back rewards without rotating categories or limits to how much you can earn
Additional Info
- Building your credit? Using a card like this responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score
- See More Details & Reviews About TheCapital One Quicksilver Secured Cash Rewards Credit Card
Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card
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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26.99% (V)
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score
- See More Details & Reviews About TheCapital One Platinum Secured Credit Card
Discover it® Secured Credit Card Discover it® 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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22.99% Variable
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Bad
Rewards Details
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Additional Info
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- See More Details & Reviews About TheDiscover it® Secured Credit Card
Indigo® Mastercard® for Less than Perfect Credit Indigo® Mastercard® for Less than Perfect Credit
One-Time Fees
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None
Regular APR
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24.9%
Additional Info
- Pre-qualify for a card today and it will not impact your credit score.
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
- See More Details & Reviews About TheIndigo® Mastercard® for Less than Perfect Credit
Surge Mastercard® Credit Card Surge Mastercard® Credit Card
One-Time Fees
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None
Regular APR
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24.99% - 29.99% (Variable)
Annual Fee
$75 - $99
Monthly Fee
None 1st yr, up to $10 after
Minimum Credit
Bad
Additional Info
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- $0 monthly fee for the first 12 months. $10.00 per month starting the second year, waived for those with a $750 or $1,000 credit limit
- See More Details & Reviews About TheSurge Mastercard® Credit Card
Credit One Bank® Platinum Visa® for Rebuilding Credit Credit One Bank® Platinum Visa® for Rebuilding Credit
One-Time Fees
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None
Regular APR
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23.99% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
None
Rewards Rate
0 - 1% Cash Back
Minimum Credit
Bad
Rewards Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Additional Info
- See if you Pre-Qualify without harming your credit score
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- View your free online access to your Experian credit score, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
- See More Details & Reviews About TheCredit One Bank® Platinum Visa® for Rebuilding Credit
Destiny Mastercard® Destiny Mastercard®
One-Time Fees
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None
Regular APR
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24.9%
Additional Info
- All the benefits of a Mastercard, without a security deposit.
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
- See More Details & Reviews About TheDestiny Mastercard®
Fit Mastercard® Credit Card Fit Mastercard® Credit Card
One-Time Fees
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$89
Regular APR
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29.99% (V)
Additional Info
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
- See More Details & Reviews About TheFit Mastercard® Credit Card
NO FOREIGN FEE
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Editor’s Picks: Best Credit Cards for Bad Credit
No 0% credit cards for bad credit are available right now, unfortunately. But WalletHub’s editors found the next best thing – the best credit cards for bad credit overall. Compare the top offers for rewards and low fees, find a good match and apply online.Using your card responsibly will push you closer and closer to qualifying for a credit card with no interest in the beginning. Such cards usually require good credit or excellent credit for approval.
Best 5 Credit Cards for Bad Credit of 2021:
| Credit Card | Best For | Annual Fee | APR |
| Capital One Quicksilver Secured Cash Rewards Credit Card | No Annual Fee | $0 | 26.99% (V) |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | No Deposit | $75 intro 1st yr, $99 after | 23.99% (V) |
| Bank of America® Customized Cash Rewards Secured Credit Card | Cash Rewards | $0 | 23.99% (V) |
| OpenSky® Secured Visa® Credit Card | High Approval Rates | $35 | 17.39% (V) |
| Indigo® Mastercard® for Less than Perfect Credit | Bad to Fair Credit | $0 - $99 | 24.9% |
You can track your credit improvement for free on WalletHub, with free daily updates to your credit score and report as well as customized advice.
Questions & Answers
Comparing 0% credit cards for bad credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge 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.show more
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Featured Credit Cards
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