Best 0% Credit Cards for Bad Credit
WalletHub makes it easy to find the best credit card for bad credit.
COMPARE 0% CREDIT CARDS FOR BAD CREDIT
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- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
- Qualify with bad credit
- Does not require security deposit
- One-time fees
- High regular APR
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- Qualify with bad credit
- Does not require security deposit
- $89 one-time program fee
- $75 annual fee for the first year
- $147 in fees starting year two
- High APR
- Qualify with limited or no credit history
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
Editor’s Picks: Best Credit Cards for Bad Credit
Using your card responsibly will push you closer and closer to qualifying for a credit card with no interest in the beginning. Such cards usually require good credit or excellent credit for approval.
Best 5 Credit Cards for Bad Credit Comparison
Credit Card | Best For | Annual Fee | APR |
Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) | No Annual Fee | $0 | 29.99% (V) |
Credit One Bank® Platinum Visa® for Rebuilding Credit | No Deposit | $75 intro 1st yr, $99 after | 29.74% (V) |
Bank of America® Customized Cash Rewards Secured Credit Card | Cash Rewards | $0 | 29.24% (V) |
OpenSky® Secured Visa® Credit Card | High Approval Rates | $35 | 25.64% (V) |
Indigo® Mastercard® for Less than Perfect Credit | Bad to Fair Credit | $175 1st year ($49 after) | 35.9% |
You can track your credit improvement for free on WalletHub, with free daily updates to your credit score and report as well as customized advice.
Best 0% Credit Cards for Bad Credit FAQ
Comparing 0% credit cards for bad credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Featured Credit Cards
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Bank of America® Customized Cash Rewards Secured Credit Card.
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