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Bad Credit/ Subprime Credit Card Offers From Our Partners

You will not find a large list of "Bad credit" credit cards on CardWisdom because, in my opinion, many of these offers are unfair. Certain subprime credit card issuers gouge consumers with massive set-up fees, account maintenance fees, inactivity fees...the list goes on and on. One brand, which I refuse to list on this website, charges consumers more than $200 in miscellaneous fees and grants them $300 credit limits-essentially providing them with $100 of new credit. What this subprime company does is apparently legal, but it is unpardonable behavior.

The subprime credit cards listed on CardWisdom aren't without their fair share of drawbacks, but they offer reasonable interest rates and fees. These cards are generally for individuals with credit scores of 650 or less. With a "bad credit" credit card, you are likely to pay a higher interest rate than you would on a card for good or average credit, and you may also have to pay an annual fee. If you are unsure of your credit, you may want to check your credit score via a free trial to see if you can qualify for a card that is targeted to average credit or even good credit consumers. If you have made timely payments to your creditors and have not had collections in the past year or more, your credit may be better than you think it is.

Below you can compare current bad credit/subprime credit card offers and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.



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*Advertising Disclosure: is an independent, advertising-supported comparison service. receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. does not include the entire universe of available credit or financial offers.

About Our Editor's Picks: Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The Editor's Picks credit cards are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the "Apply Online" button, you can review the credit card terms and conditions on the issuing company's website. Discover and other credit card companies are paid advertisers on

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.
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