Bad Credit Credit Cards

Bad Credit Credit Cards may allow you to qualify for a credit card even if you have less than perfect credit. The following credit cards may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits. Apply today and start enjoying the benefits of your new credit card.

First PREMIER(R) Bank Gold Credit Card

Reports monthly to the major Consumer Reporting Agencies
Access your account by phone at any time, day or night
Getting approved may be easier than you think
Quick and easy application
This is an unsecured, fee-based product
Don't be held back by past credit card struggles
A credit card isn't beyond your reach
This credit card may be able to help build, rebuild, or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
See Terms	See Terms	See Terms	No	See Terms	Poor

The Mango(TM) MasterCard Prepaid Card

FREE Prepaid MasterCard
$0 Activation Fee
FREE Direct Deposit
FREE unlimited purchase / signature transactions
FREE account management online or with your mobile phone
FREE to check your balance with your mobile phone
No monthly fee when you load $500/month
Send money with your mobile phone
Load cash at tens of thousands of retailers nationwide
No credit check, no bank account needed, no overdraft fees

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
*	*	*	No	See Terms*	N/A

Centennial(R) Credit Card

Send no money today - Pay your Processing Fee over time if approved!
Convenient 24-hour account access by phone
The online application is safe, secure, and simple
Use your card everywhere MasterCard®/Visa® cards are accepted (subject to available credit)
Monthly reporting to major Consumer Reporting Agencies
Reasonable credit limit can help you spend smarter
This credit card may be able to help build, rebuild, or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
See Terms	See Terms	See Terms	No	See Terms	Poor

Orchard Bank Classic MasterCards

Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	7.90% - 19.90%	Yes	$39-$79*	Poor

American DreamCard™ MasterCard

Over $1.1 Million Awarded to Date!
Large monthly cash jackpots
Earn entries from everyday shopping
Get 1,000 entries just for applying!
A New Winner Every Month!
Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
*See terms and conditions for important rate, fee, and other cost information, and limitations

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	14.99% or 21.99% V	Yes	$0- $59*	Average

Get a Credit Card with Bad Credit

If you want to get a credit card with bad credit, you may run into a number of obstacles. It can be hard to get approved if your score is low. And if you’ve applied for a number of cards, your score can drop even further. That said, it is possible to get a new piece of plastic. Here’s how to get a card with bad credit.

Run a Credit Check Do you know where you stand with credit? Find out what your score is. You may even want to look at a credit report. If you find any errors, contact the credit bureaus to get them resolved.

Make a Credit Plan Since there’s always room for improvement when it comes to credit, chances are you can make some lifestyle changes that will lead to a higher credit score. Start by thinking about where you want to be. Then take a few steps back and look at where you are. How will you get from point A to point B? Write down the habits you plan to change. Think about new ways to manage all of your accounts.

Developing a plan before you get a card may seem like a headache, but the rewards can pay off greatly. You’ll set up a system that will help you get back on track even before you send in an application for a credit card. And getting away from bad credit will lead to a healthier financial future.

Look for a Card Once you’ve assessed your finances, you’ll probably have a good idea of where you stand in the credit world. You may realize that some lenders will not approve your application. But you might also discover that you can get a bad credit credit card.

Bad credit credit cards are set up for people struggling with a low score. They offer a chance to rebuild your credit, one month at a time. Look through the various options. Most of them will come with a number of fees and might even have a higher interest rate, but since you’ll have the chance to get back on the financial boat, they may be worth it.

Apply for the Card Once you find a card that works for you, fill out an online application. The process only takes a few minutes to do, and you’ll usually find out right away whether or not your application has been approved. In most cases, you’ll be able to get the card. Then you’re ready to take it to he next step.

Use it to Build your Credit Once you have the card, you can use it to rebuild your credit. How do you do that? It’s fairly easy. Simply use the card to make small purchases, and then pay off at least the minimum balance each month. If you can, pay off the full balance.

Continue to make purchases and pay the bills on time. Over time, credit bureaus will recognize your efforts and you’ll be able to move into the next credit bracket. And then you’ll be on your way to more credit opportunities.

Important Notices and Disclosures:
Terms and conditions including APR eligibility vary for each credit card issuer. Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor’s terms may include more detailed or updated information than this chart. You can review complete offer terms and conditions by clicking on "Apply Now!" link placed next to each offer.