Best Credit Cards for Bad Credit - September 2021

Total Visa® Credit Card

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Total Visa® Credit Card

  • Manageable monthly payments
  • Reports monthly to all three major credit bureaus
  • Accepted by merchants throughout the USA and online
  • Does not require perfect credit for approval
  • Fast application process with a response provided in seconds
  • Checking account required
  • Manageable monthly payments
  • Reports monthly to all three major credit bureaus
  • Accepted by merchants throughout the USA and online
  • Does not require perfect credit for approval
  • Fast application process with a response provided in seconds
  • Checking account required

One-Time Fee
$89
Annual Fee
$75 1st yr, $48 after
Regular Rate
34.99%
Grace Period
21 Days
Credit Needed
Bad Credit

Surge Mastercard

  • Credit Limit between $300 and $1000
  • All pre-qualified offers are based on creditworthiness
  • Cardholders not held responsible for unauthorized charges
  • Potential to increase credit line after 6 months of timely payments
  • Report to all 3 major credit bureaus
  • Credit Limit between $300 and $1000
  • All pre-qualified offers are based on creditworthiness
  • Cardholders not held responsible for unauthorized charges
  • Potential to increase credit line after 6 months of timely payments
  • Report to all 3 major credit bureaus

One-Time Fee
None
Annual Fee
$75 - $99
Regular Rate
24.99% - 29.99%
Grace Period
25 Days
Credit Needed
Bad Credit, Fair Credit

Indigo Platinum Mastercard

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Indigo Platinum Mastercard

  • Less than perfect credit is okay
  • Reports to all three credit bureaus
  • 60-second decision online
  • Choose your custom card design – at no additional cost
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Less than perfect credit is okay
  • Reports to all three credit bureaus
  • 60-second decision online
  • Choose your custom card design – at no additional cost
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards

ONE-TIME FEE
N/A
ANNUAL FEE
$0 - $99
REGULAR RATE
24.9%
GRACE PERIOD
25 days
CREDIT NEEDED
Bad Credit

Reflex Mastercard

  • All credit types welcome to apply
  • Free access to your monthly Vantage 3.0 credit score
  • $0 fraud liability for unauthorized charges
  • Use your card anywhere Mastercard® is accepted
  • Monthly reporting to the three major credit bureaus
  • Online account access 24/7
  • All credit types welcome to apply
  • Free access to your monthly Vantage 3.0 credit score
  • $0 fraud liability for unauthorized charges
  • Use your card anywhere Mastercard® is accepted
  • Monthly reporting to the three major credit bureaus
  • Online account access 24/7

ONE-TIME FEE
N/A
ANNUAL FEE
$75 - $99
REGULAR RATE
24.99% - 29.99%
GRACE PERIOD
25 days
CREDIT NEEDED
Bad Credit, Fair Credit

Revvi Visa

  • Full-fledged Visa credit card
  • Designed to improve credit score with on-time payments
  • Manageable monthly payments
  • $300 initial credit line, with possible increase after one year
  • Complete Visa protections, such as Zero Fraud Liability coverage
  • Full-fledged Visa credit card
  • Designed to improve credit score with on-time payments
  • Manageable monthly payments
  • $300 initial credit line, with possible increase after one year
  • Complete Visa protections, such as Zero Fraud Liability coverage

One-Time Fee
N/A
Annual Fee
$75 1st yr, $48 after
Regular Rate
34.99%
Grace Period
-
Credit Needed
Poor Credit, Fair Credit

FIT Mastercard

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Free online account access 24/7
  • Fast and easy application process, instant online results
  • Initial credit limit of $400.00! (Subject to credit approval)
  • Checking account required
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Free online account access 24/7
  • Fast and easy application process, instant online results
  • Initial credit limit of $400.00! (Subject to credit approval)
  • Checking account required

ONE-TIME FEE
$89
ANNUAL FEE
$99
REGULAR RATE
29.99%
GRACE PERIOD
25 days
CREDIT NEEDED
Bad Credit

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The credit card offers that appear on the website are from credit card companies from which CreditCardChest.com receives compensation and CreditCardChest.com does not include all credit card companies or all available credit card offers.

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