0% Credit Cards for Bad Credit
WalletHub makes it easy to find the best credit card for you.
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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One-Time Fees
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None
Regular APR
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23.9%
Additional Info
- Pre-qualify for a card today and it will not impact your credit score
- All credit histories considered
- 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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19.74% - 25.74% (V)
Annual Fee
$0 - $99
Monthly Fee
None
Rewards Rate
0 - 1% Cash Back
Minimum Credit
Bad
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 $200
One-Time Fees
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None
Regular APR
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24.99% (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, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
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.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- See More Details & Reviews About TheDiscover it® Secured
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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$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
- 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 Processing 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
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
- See More Details & Reviews About TheFirst Access VISA® Credit Card
One-Time Fees
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None
Regular APR
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23.9%
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.
- Disclaimer: *Dependent on credit worthiness
- See More Details & Reviews About TheMilestone® Mastercard® - Bad Credit Considered
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
- 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 Processing 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!
- No-Fee credit line increase opportunities!
- See More Details & Reviews About TheTotal VISA® Credit Card
One-Time Fees
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None
Regular APR
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19.74% - 25.74% (V)
Annual Fee
$0 - $99
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Bad
Rewards Details
- Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, 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®
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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19.14% (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.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *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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14.24% (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, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Select MasterCard® Secured 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. 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 moreshow less
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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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