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.
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.
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.
Best Credit Cards for Bad Credit of 2020:
- Discover it® Secured
- Credit One Bank® Visa® Credit Card
- Bank of America® Cash Rewards Secured Credit Card
- OpenSky® Secured Visa® Credit Card
- Secured Mastercard® from Capital One
- Indigo® Mastercard® for Less than Perfect Credit
Showing 1 – 10 of 24
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
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- 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
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- See More Details & Reviews About TheSecured Mastercard® from Capital One
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
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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17.39% (V)
Additional Info
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- *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
One-Time Fees
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None
Regular APR
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25.9% - 29.99% (V)
Annual Fee
$75 - $99
Monthly Fee
None 1st yr, up to $10 after
Minimum Credit
Bad Credit
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 credit limit
- See More Details & Reviews About TheSurge Mastercard® Credit Card
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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$89
Regular APR
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29.99%
Annual Fee
$75 1st yr, $45 after
Monthly Fee
$0 1st year, $6.25 after
Minimum Credit
Bad Credit
Additional Info
- Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
- Reports to All Three Major Credit Bureaus
- Access Additional Credit with On-Time Payments and Responsible Usage
- Fixed APR and Manageable Monthly Payments
- A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
- See More Details & Reviews About TheApplied Bank® Unsecured Classic Visa® 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%
Additional Info
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- See More Details & Reviews About TheApplied Bank® Secured Visa® Gold Preferred® 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
- 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.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
One-Time Fees
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None
Regular APR
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17.99% - 23.99% (V)
Annual Fee
$0 - $99
Monthly Fee
None
Rewards Rate
0 - 1% Cash Back
Minimum Credit
Bad Credit
Rewards Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. 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® 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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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
- 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.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Elite Mastercard® Secured 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 2020:
| Credit Card | Best For | Annual Fee | APR |
| Secured Mastercard® from Capital One | No Annual Fee | $0 | 26.99% (V) |
| Credit One Bank® Visa® Credit Card | No Deposit | $0 - $99 | 17.99% - 23.99% (V) |
| Bank of America® 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
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Featured Credit Cards
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. Actual terms may vary. 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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