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 2020:
- Discover it® Secured
- Credit One Bank® Platinum Visa® for Rebuilding Credit
- Wells Fargo Secured Credit Card
- OpenSky® Secured Visa® Credit Card
- Capital One® Secured Mastercard®
- Indigo® Mastercard® for Less than Perfect Credit
Showing 1 – 10 of 26
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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24.49% (V)
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Limited History
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: We automatically match all the cash back you've earned at the end of your first year.
Additional Info
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line 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.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- 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
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
One-Time Fees
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None
Regular APR
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19.49% - 25.49% (V)
Annual Fee
$0 - $99
Monthly Fee
None
Rewards Rate
0 - 1% Cash Back
Minimum Credit
Bad Credit
Rewards Details
- Receive 1% cash back rewards on eligible purchases, terms apply
Additional Info
- See if you Pre-Qualify without harming your credit score
- Track your progress with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Accounts are automatically reviewed for credit line increase opportunities
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Stay in-the-know with customizable account alerts via email and text
- Enjoy peace of mind with $0 Fraud Liability
- See More Details & Reviews About TheCredit One Bank® Platinum Visa® for Rebuilding Credit
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 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
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- 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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24.9%
Additional Info
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
- Disclaimers: *Dependent on credit worthiness
- See More Details & Reviews About TheMilestone® Mastercard® - Less Than Perfect Credit Considered
One-Time Fees
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$95*
Regular APR
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34.99%
Annual Fee
$75 1st yr, $48 after
Monthly Fee
None 1st year, $6.25 after
Minimum Credit
Bad Credit
Additional Info
- Get the security and convenience of a full-feature, unsecured Visa® 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
- Easy and secure online application
- If approved, pay a Program 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
- Select your favorite card design from our gallery, for free!
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
- See More Details & Reviews About TheFirst Access VISA® Credit Card
One-Time Fees
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None
Regular APR
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29.9% (V)
Annual Fee
$125 1st yr, $96 after
Monthly Fee
None 1st yr, $10 after
Minimum Credit
Bad Credit
Additional Info
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (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 TheSurge Mastercard® Credit Card
One-Time Fees
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$89*
Regular APR
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34.99%
Annual Fee
$75 1st yr, $48 after
Monthly Fee
None 1st year, $6.25 after
Minimum Credit
Bad Credit
Additional Info
- 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 Program 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!
- See More Details & Reviews About TheTotal VISA® Credit Card
One-Time Fees
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None
Regular APR
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29.99%
Additional Info
- Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
- Easy application! Get a credit decision in seconds.
- Build your credit history – Fingerhut reports to all 3 major credit bureaus
- Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
- Not an access card
- *See complete WebBank/Fingerhut Advantage Credit Account Terms and Condition. - https://www.fingerhut.com/content/FHTCreditTC
- See More Details & Reviews About TheFingerhut Credit Account
One-Time Fees
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None
Regular APR
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19.49% - 25.49% (V)
Annual Fee
$0 - $99
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Bad Credit
Rewards Details
- Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
Additional Info
- See if you Pre-Qualify without harming your credit score
- No need to fret—you’re covered by $0 Fraud Liability
- Accounts are automatically reviewed for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
- Monitor your credit with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Never miss an account update with customizable text and email alerts
- See More Details & Reviews About TheOfficial NASCAR® Credit Card from Credit One Bank®
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 6 Credit Cards for Bad Credit of 2020:
| Credit Card | Best For | Annual Fee | APR |
| Capital One® Secured Mastercard® | No Annual Fee | $0 | 26.99% (V) |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | No Deposit | $0 - $99 | 19.49% - 25.49% (V) |
| Green Dot Visa® Secured Credit Card | No Bank Account | $39 | 19.99% |
| Discover it® Secured | Secured/Rewards | $0 | 24.49% (V) |
| OpenSky® Secured Visa® Credit Card | High Approval Rates | $35 | 18.89% (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
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Featured Credit Cards
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† 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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