Credit Cards and Prepaid Cards for Bad Credit Credit Range: Below 599

Struggling with credit issues? These credit cards and prepaid cards are designed for people with less than perfect credit. FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.

Platinum Zero® Secured Visa® Credit Card from Applied Bank®
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 0 See Terms See terms
 

Applied Bank® Secured Visa® Gold Credit Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 $50 See terms
 

Green Dot® Prepaid MasterCard®
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Green Dot® Gold Prepaid Visa® Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Walmart MoneyCardsm Visa® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Walmart MoneyCardsm MasterCard® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

READYdebit® Prepaid Visa® Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 $0 See terms
 

READYdebit® Platinum Visa® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Vision Premier Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 $0 See terms
 

BuyRIGHT Pre-Paid MasterCard®
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

UPside Visa® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

UPside Student Prepaid Visa® Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

iBankUp Visa® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Baby Phat Prepaid Visa® RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Prepaid Visa® RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Black Diamond Prepaid Visa® RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Purple Diamond Prepaid Visa® RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Prepaid Visa® KLS RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Prepaid Visa® Pink Diamond RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Prepaid Visa® Dynasty RushCard
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

mPower™ Visa® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

PEX Visa® Prepaid Card For Business
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Wired Plastic® Pink Ribbon Visa Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 9.99 N/A See terms
 

Orchard Bank Classic MasterCards®
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 14.90 $0 - $59 the first year, $35 - $59 per year thereafter See terms
 

Orchard Bank Visa® Cards
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 14.90 $0 - $59 the first year, $35 - $59 per year thereafter See terms
 

American Express® Prepaid Card
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 14.90 $0 See terms
 

AccountNow® Prepaid MasterCard®
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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 14.90 N/A See terms
 

AccountNow® Prepaid Visa® Card


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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 14.90 N/A See terms
 

AccountNow® Gold Visa® Prepaid Card


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Intro Apr Balance Transfer Ongoing APR Annual Fee Credit Needed
N/A See terms 14.90 N/A See terms
 

The Pros and Cons of Prepaid Cards

Prepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase

Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The prepaid account will not be reported to the credit bureaus as a credit card.

Pros:
  • Easy approval process, no credit required
  • The same fraud liability protections as a standard credit card
  • Easy to use for online or phone purchases
  • Access cash from ATM machines
  • Less expensive than check cashing services
Cons:
  • Expensive fees for opening and maintaining the account
  • Fees for loading money on the account or using the card for purchases
  • Very limited, if any, reporting to the credit bureaus
  • Does not help improve your credit the same way a credit card or secured card would
  • Much more expensive than opening a checking account and using an ATM card

Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.

  

 

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