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.