Best Mastercard for Bad Credit
WalletHub makes it easy to find the best Mastercard for bad credit.
Best Mastercard for Bad Credit
WalletHub makes it easy to find the best Mastercard for bad credit.
There are many different Mastercard credit cards for bad credit, considering that Mastercard is one of the world’s largest and most widely accepted card networks. In other words, a significant portion of all the credit ca… show more
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Fortiva® Cash Back Reward Card Fortiva® Cash Back Reward Card
- Earn 3% Cash Back reward on eligible gas, grocery, and utility purchases or payments
- Earn 1% Cash Back reward on all other eligible purchases
- 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
OppFi® Card OppFi® Card
- No security deposit required; $99 annual fee*
- No impact to your FICO® credit score when you apply
- Good credit not required - we welcome applicants with poor and fair credit.
- Get your new credit card info the same day you are approved - make purchases online or add to your mobile wallet
- 100% US-Based Support
- Freeze your card in the OppFi Card app to prevent unauthorized charges if your card is misplaced, lost, or stolen
- The OppFi Card is issued by First Electronic Bank, member FDIC.
- Click "APPLY NOW" to see Oppfi rates, terms & fees
- See More Details & Reviews About TheOppFi® Card
Aspire® Credit Card Aspire® Credit Card
- Earn 3% cash back reward on eligible gas, grocery, and utility purchases or payments.
- Earn 1% cash back reward on all other eligible purchases.
- 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
Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card
- 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
Indigo® Mastercard® for Less than Perfect Credit Indigo® Mastercard® for Less than Perfect Credit
- 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
Fit Mastercard® Credit Card Fit Mastercard® Credit Card
- All credit types welcome to apply!
- Initial Credit Limit of $400.00!* (subject to available credit)
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
- Free online account access 24/7
- Checking Account Required
- See More Details & Reviews About TheFit Mastercard® Credit Card
Surge Mastercard® Credit Card Surge Mastercard® Credit Card
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- Free access to your Vantage 3.0 score from Experian* (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
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
- 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
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card
- 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. No rotating categories or limits to how much you can earn. It's that simple
- Building your credit? Using a card like this responsibly could help
- Put down a refundable $200 security deposit 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
Secured Sable ONE Credit Card Secured Sable ONE Credit Card
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More! And 1% cashback on everything else!
- No credit check or US credit history required.
- No SSN required for non-US citizens
- Build US credit history from day 1 at major credit bureaus (get $25 when you build your credit score to a 700+ credit score within 12 months of use).
- Get unsecured in as little as 4 months!
- Premium benefits like Cell Phone Protection (including cracked screens!) and Car Rental Insurance coverage!
- Please see terms and conditions for additional details.
- See More Details & Reviews About TheSecured Sable ONE Credit Card
Destiny Mastercard® Destiny Mastercard®
- 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®
What is the best Mastercard for bad credit?
The best Mastercard for bad credit depends on whether your top priority is credit improvement or getting an emergency loan. If you simply want to rebuild your credit, a secured credit card is the way to go. In particular, the Capital One Quicksilver Secured Cash Rewards Credit Card is a great option. But if you’re facing unexpected, unaffordable expenses, you’ll need an unsecured credit card for bad credit. And the Indigo® Mastercard® for Less than Perfect Credit is probably the best of the not-so-hot options in that category.
These picks are based on WalletHub’s review of 20+ Mastercard credit cards for people with bad credit. And there’s more where they came from. WalletHub’s editors also selected the top cards in a few other popular categories.
Here are the best Mastercards for bad credit:
| Best For… | Card Name | Annual Fee | Security Deposit | Card Network | Min. Credit Required |
| No Annual Fee | Capital One Quicksilver Secured Cash Rewards Credit Card | $0 | $200 | Mastercard | Bad |
| Rewards | SunTrust Secured Credit Card | $32 | $300 | Mastercard | Bad |
| Unsecured | Indigo® Mastercard® for Less than Perfect Credit | $0 - $99 | N/A | Mastercard | Bad |
| Business | Wells Fargo Business Secured Credit Card | $0 | $500 | Mastercard | Bad |
To see if these offers are the cream of the bad-credit crop, we recommend comparing them to the best Visa cards for bad credit, at the very least. You can also see which offers made the final cut for 2021’s best credit cards for people with bad credit.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
Comparing mastercard for bad credit offers 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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What are the Citi Secured requirements for approval? Reply
The main Citi Secured requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also agree to put down a security deposit of $200+ before they can open the account. There’s no minimum credit score requirement, as the Citi Secured card is designed for people with bad credit and beginners with little or no borrowing history.
Citi Secured Card Requirements
- At least 18 years old
- Physical U.S. address (no P.O. boxes)
- Proof of income to make the monthly minimum payment
- Checking or savings account
- Social Security number or ITIN
- $200 security deposit
While the Citi Secured card has no minimum credit score requirement, Citibank may reject your application if there are serious negative entries on your credit report, such as a pending bankruptcy. In addition, if you apply for the Citi Secured card, it’s vital that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
Can I get approved for the Citi secured credit card with a bankruptcy on my file? Reply
You cannot get the Citi Secured Card if you have any bankruptcy history within the last two years. Bear in mind there are other approval requirements too. Citi will review your income, debt and credit history to make sure you can afford a new account.
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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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