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Best Bad Credit VISA Credit Cards
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Total Visa® Card Total Visa® Card
- Qualify with bad credit
- Does not require security deposit
- $89 one-time program fee
- $75 annual fee for the first year
- $123 in fees starting year two
- High APR
- 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
- $300 credit limit (subject to available credit).
- Multiple card designs available
- Reports monthly to all three major credit bureaus
- See rates, fees, costs and limitations for additional details
- Offer not guaranteed; response provided in seconds.
- See More Details & Reviews About TheTotal Visa® Card
Revvi Card Revvi Card

- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Qualify with bad credit
- Does not require security deposit
- One-time fees
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Fast and easy application; response provided in seconds
- $300 credit limit (subject to available credit)
- Build your credit score with on-time payments and keeping your balance below the credit limit
- Opportunity to request credit limit increase after twelve months, fee applies
- Checking account required
- Reports monthly to all three major credit bureaus
- Manageable monthly payments
- Perfect credit not required
- Easy-to-use mobile app for management on the go!
- *See rates, fees, costs & limitations, and rewards for complete offer and Revvi Rewards details^^
- See More Details & Reviews About TheRevvi Card
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- * View the cardholder agreement
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
First Access Visa® Card First Access Visa® Card
- Qualify with bad credit
- Does not require security deposit
- One-time fees
- No rewards
- No rewards bonus
- No intro APR on purchases
- 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
- $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® Card
Credit One Bank® Platinum Visa® for Rebuilding Credit Credit One Bank® Platinum Visa® for Rebuilding Credit

- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit
- 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
PCB Secured Visa® Credit Card PCB Secured Visa® Credit Card
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- A minimum collateral deposit of $200 is required to open this account.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit.
- Reports monthly to all three major credit bureaus.
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
- See Rates, Fees, Costs and Limitations for additional details
- See More Details & Reviews About ThePCB Secured Visa® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card Applied Bank® Secured Visa® Gold Preferred® Credit Card

- Low regular APR
- Qualify with bad credit
- Membership fees
- No rewards
- No rewards bonus
- Foreign fee
- 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
Merrick Bank Classic Secured Visa Card Merrick Bank Classic Secured Visa Card

- Qualify with bad credit
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
- Upon approval, you'll have a credit line from $200 to $3,000 - it's up to you.
- Your performance is reported to the three major credit bureaus. You can reestablish and build your credit with your performance.
- Online management tools. You can manage your account online for free.
- Your security deposit funds are FDIC Insured.
- Based on an initial credit limit of $200, the initial available credit will be about $164 (based on a $36 annual fee) or about $152 dollars if you also choose to have an additional card.
- See More Details & Reviews About TheMerrick Bank Classic Secured Visa Card
First National Bank of Omaha Secured Visa® Card First National Bank of Omaha Secured Visa® Card

- No membership fees
- Qualify with bad credit
- No rewards
- No rewards bonus
- Balance transfer fee
- High Regular APR
- Request your credit limit by providing a deposit between $300 and $5,000, in $50 increments, when you apply.
- You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history (subject to credit approval).
- You can qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments (subject to credit approval).
- Automatic reporting to the 3 major credit bureaus.
- View your FICO® Credit Score each month online - for free.
- See More Details & Reviews About TheFirst National Bank of Omaha Secured Visa® Card
Questions & Answers
Comparing visa 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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