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Bad Credit VISA

A number of major credit card companies usually offer Visa credit cards for bad credit, and depending on the overall state of the economy, might offer both secured and unsecured options. Regardless of whether any unsecured Visa cards for bad credit are available at the time of your search, we strongly suggest opening one of the secured Visa credit cards listed below because the security deposit you’ll be required to place in opening such a card renders high fees unnecessary. In addition, the fact that your credit line will be equal to the amount of your deposit ensures that…show more

    3 3,729 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
    3 710 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
    3.5 215 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 2,473 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
    3.5 90 reviews

    First Access Visa Card


    first access visa card
    • One-Time Fees $89
    • Regular Rate 29.99% (V)
    • Annual Fee $75 1st yr, $48 after
    • Monthly Fee None 1st year, $6.25 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Access credit even if you have poor or limited credit history
    • Quick and Easy Secure Online Application
    • A genuine VISA card accepted by merchants nationwide
    • Get a response in as little as 60 seconds!
    • Reporting to 3 major credit bureaus
    • Apply today! If approved Access your credit after paying a one-time processing fee.
    • Reports monthly to all three major credit bureaus
    • See More Details & Reviews About The First Access Visa Card
    2.5 22 reviews

    Total Visa Card


    total visa card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees $89
    • Regular Rate 29.99% (V)
    • Annual Fee $75 1st yr, $48 after
    • Monthly Fee None 1st year, $6.25 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    • See More Details & Reviews About The Total Visa Card
    3.5 75 reviews

    USAA Secured Card® Platinum Visa®


    usaa secured card platinum visa
    • 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 Card® Platinum Visa®
    3 882 reviews

    Wells Fargo® Secured Credit Card


    wells fargo secured card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 19.24% (V)
    • Annual Fee $25
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
    • Your purchases are billed to you each month and you are responsible for making at least the minimum monthly payment. Payments are not deducted from your Collateral Account.
    • As a cardholder, your account performance is reported to major credit bureaus
    • Stay on top of your account activity with free email alerts when you approach your credit limit, a payment is due, and more.
    • Easily track your expenses. My Spending Report with Budget Watch has built-in tools that help you see where your money is going and easily set up a budget.
    • Visa benefits: Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch and Travel and emergency assistance services.
    • Verified by Visa: Protect your Wells Fargo Visa card with a unique password for online shopping.
    • Secured Card accounts are reviewed periodically and may become eligible for an unsecured credit card and have the Collateral Account funds refunded.
    • Zero Liability Program: automatically protects you from liability for unauthorized transactions when you report them promptly
    • Overdraft protection: You may link your credit card to your checking account to help avoid overdrafts
    • All Secured cardholders have access to free online credit education courses and tips to help you manage credit wisely
    • See More Details & Reviews About The Wells Fargo® Secured Credit Card
    3 550 reviews

    Harley-Davidson® Secured Credit Card


    harley davidson secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 23.24% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Earn H-D™ Genuine Rewards points - Get 1 point per $1 net purchase.
    • Redeem 2,500 points for a $25 H-D™ Gift Card.
    • Receive a $10 Harley-Davidson Genuine Rewards Certificate.
    • Additional Info
    • To fund your Secured Card, you can choose to: Fund online using your Checking or Savings Account and Print an application and mail a Cashier's Check or Money Order.
    • The deposit is used to open a U.S. Bank Savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
    • When you've managed all of your credit obligations responsibly and consistently for 12 months, you'll be well on your way to a strong credit standing, and you may be eligible for an unsecured credit card product.
    • Auto Rental Collision Damage Waiver
    • Zero Fraud Liability.
    • Automatic Bill Pay.
    • You could win a new motorcycle with the H-D™ Visa Free Ride Sweepstakes. Sweepstakes ends 12/31/16.
    • See More Details & Reviews About The Harley-Davidson® Secured Credit Card
    3.5 576 reviews

    Merrick Bank Secured Credit Card


    merrick bank secured credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.7% (V)
    • Annual Fee $36 1st yr, None after
    • Monthly Fee None 1st yr, $3 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Upon approval, you'll have a credit line from $200 to $3,000 - it's up to you.
    • Your performance is reported to the three major credit bureaus. You can reestablish and build your credit with your performance.
    • Online management tools. You can manage your account online for free.
    • Your security deposit funds are FDIC Insured.
    • Based on an initial credit limit of $200, the initial available credit will be about $164 (based on a $36 annual fee) or about $152 dollars if you also choose to have an additional card.
    • See More Details & Reviews About The Merrick Bank Secured Credit 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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    Community Discussion

    Ask a question or help others find the best visa credit cards for bad credit by sharing some tips.

     
    Mar 26, 2015
    By:
    I personally don't think it matters much which card network a card is on when you have bad credit. My priorities at that point would be getting approved, first and foremost, and then getting the lowest fees possible.

    I'm a big fan of secured cards for those reasons.
    Dec 19, 2013
    By:
    Best visa deal?
    Dec 20, 2013
    Photo of Card H.
    A good card for bad credit is the Harley-Davidson secured card. It is on the Visa network, it has a purchase rate of 22.99% and no annual fee. It also offers 1 rewards point per $1 net purchase.