Credit Cards for People with Bad Credit or No Credit History

Even if you have bad credit, or no credit history at all, there are still many credit card offers to choose from. Having credit cards not only gives you convenient access to cash and credit, it can also help you build a credit history and re-establish good credit.

There are two main types of bad credit cards. Unsecured credit cards for people with bad or no credit history function like a standard credit card, except the credit line will be lower and the fees higher. Secured credit cards are cards backed by a deposit you make into a bank account, which serves as security for the card.

When you compare credit cards, keep in mind that the best credit card offers require a good credit rating, so you may start with a low credit limit, more stringent terms, and higher fees. But rest assured, as long as you make your payments on time, your credit limit and the terms will steadily improve over time.

We also offer credit cards in these credit rating categories: good credit and fair credit.