Bad Credit - Credit Cards

Realizing your credit isn’t in great shape can feel overwhelming—but it doesn’t have to stop you from moving forward. If you’ve been turned down for credit or are having trouble qualifying, don’t worry—there are still plenty of credit card options designed with you in mind. Whether you’re rebuilding or just getting started, lenders offer both secured and unsecured cards for people with less-than-perfect credit. Ready to take control of your financial future? Explore our curated list of the best credit cards for bad credit and find the one that fits your needs.

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the Secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

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Chime Card™

No Credit Check to Apply⁶

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking⁸. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges¹.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status³.
Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade⁴.
Wide Access, Zero Stress – Use your card at fee-free in-network ATMs⁶ and deposit cash without extra charges at approved locations⁴.
Credit Building Made Simple – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details⁵.
No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges⁶, and never worry about annual or late fees.
Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit⁷.

Get Started today and take the first step toward building your credit.

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