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0% Credit Cards for Bad Credit

Zero percent credit cards give you extra time to pay off new purchases before incurring interest charges, but given that issuers tend to only offer these cards to consumers with above-average credit scores, there’s a good chance that there will not be any 0% credit cards for bad credit contained in the following list of credit cards for people with poor credit. If there are, keep in mind that you might be paying for the lower interest rate with higher monthly and annual fees. The reason for this is that people with bad credit must regain the trust of…show more

    4 5,343 reviews

    Capital One® Secured MasterCard®


    capital one secured credit card
    • Secured Credit Card Min Deposit of $49, $99 or $200
    • One-Time Fees None
    • Regular Rate 24.99% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • It’s a credit card accepted at millions of locations worldwide
    • See More Details & Reviews About The Capital One® Secured MasterCard®
    3 3,819 reviews

    Credit One Bank® Visa® with Credit Line Increase Reviews


    credit one credit card
    • One-Time Fees None
    • Regular Rate 15.65% - 24.15% (V)
    • Annual Fee $0 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
    • Additional Info
    • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
    • See if you're Pre-Qualified in less than 60 seconds.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • Flexible payment date to assist you in making your payments on time.
    • Grace Period: 0 or 24 Days (see terms)
    • See More Details & Reviews About The Credit One Bank® Visa® with Credit Line Increase Reviews
    3 773 reviews

    Primor® Secured Visa Gold Credit Card


    primor secured visa gold card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 9.99%
    • Annual Fee $49
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 245 reviews

    Primor® Secured Visa Classic Credit Card


    primor credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 13.99%
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 2,542 reviews

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.64% (V)
    • Annual Fee $35
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Build Your Credit, with monthly updates to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Extra Credit When You Need It, increase your credit line up to $3000.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Easy funding options, with 4 ways to fund and NO checking account needed.
    • After your Account is open for one year or more Capital Bank will charge you a Credit Limit Increase Fee of $25.00 each time you add Deposit Funds and increase the Credit Limit and a Credit Limit Decrease Request Fee of $25.00 each time you request a reduction in your Credit Limit.
    • Apply in less than 5 minutes.
    • See More Details & Reviews About The Open SkySM Secured Visa® Credit Card
    3 1,595 reviews

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress platinum select mastercard
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $200 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See More Details & Reviews About The First Progress Platinum Select MasterCard® Secured Credit Card
    3.5 910 reviews

    First Progress Platinum Elite MasterCard® Secured Credit Card


    first progress platinum elite mastercard
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $200 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See More Details & Reviews About The First Progress Platinum Elite MasterCard® Secured Credit Card
    3 635 reviews

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress platinum prestige mastercard secured credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    • Annual Fee $44
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Deposit held at FDIC-insured bank.
    • Set your own credit limit, which is secured by your deposit of $200 - $2,000.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See More Details & Reviews About The First Progress Platinum Prestige MasterCard® Secured Credit Card
    3.5 1,208 reviews

    Milestone® MasterCard® - Bad Credit Considered


    milestone credit card
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    • Annual Fee $35-$99*
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 353 reviews

    USAA Secured Cards® American Express® Card


    usaa secured credit card
    • Secured Credit Card Min Deposit of $250
    • One-Time Fees None
    • Regular Rate 10.15% - 20.15% (V)
    • Annual Fee $35
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Best for members rebuilding or establishing credit. It's a real credit card — not a debit or prepaid card
    • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
    • Retail and Travel Benefits: Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.Identity theft resolutions services provides assistance should you become the victim of identity theft.Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.Travel accident insurance provides coverage for you and your family members when your card is used to purchase common carrier travel tickets.
    • Security: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
    • Special Benefits for Military: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 10.15% and 20.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
    • See More Details & Reviews About The USAA Secured Cards® American Express® Card
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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