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Bad Credit Cards: Subprime Card Offers

For consumers with very bad credit, cards with favorable terms can be very difficult to obtain if one insists on the unsecured option. We have discussed this elsewhere at this site and made a number of comments on bad credit cards and their pitfalls. We have also discussed bad credit credit cards issued by major companies and how these compare with each other.

The term "bad credit", as it is generally used, is a vague term. Credit card companies have formal designations for consumer credit profiles which relate to your credit score. We have grouped featured offers below into "Damaged Credit", "Poor Credit" and "Limited / No Credit" categories..

Damaged Credit:



Poor Credit:



Limited / No Credit:




Prepaid Bad Credit Cards: A Subprime Option:

Prepaid plastic (note: technically, these are not credit cards) is an alternative for subprime consumers who seek the convenience of being able to make payments for services where the use of cash or personals checks is awkward or unavailable. These do not improve your credit rating and are not going to help you rebuild your history. We have written more about prepaid cards here.


Bank of America Secured Cards:

B of A offers a secured Visa Card for bad credit. It comes with a standard APR of 14.99%. This is also the APR for balance transfers for this card. These rates are competitive and we can therefore recommend this Visa as well. Note that the dafault APR is however a very high 29.99% if you are late in making payments or are overlimit. For consumers who are rebuilding their credit and can discipline their spending and payment habits for this purpose hwever, this is a good offer to consider.




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Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which CreditCardsReports.com receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. It is this compensation that enables CreditCardsReports.com to provide you services like access to free tools and information for consumers. CreditCardsReports.com does not include all credit card companies or all available credit card offers. Because credit card offers change frequently, please visit the card issuer site for current information.

Our editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.