Best Credit Cards (Bad Credit)

Top-Rated Credit Cards for 2020

Updated Feb 14, 2020

204.1K views

  • Quick & Easy. Here are the best unsecured credit cards for all credit scores in 2020
  • With regular monthly payments, these cards will improve credit score!
  • Economic times are uncertain. Apply now to get your card before it’s too late!

The Reflex Mastercard® is the best unsecured credit card in 2020 with up to a $750 credit line. Economic times are uncertain. Apply now to get your card before it’s too late!

Reflex Mastercard® is the best choice for an unsecured credit card in 2020. Fast and easy application process!
Best Choice
APPLY NOWon Reflex Mastercard’s Secure Site
  • Credit NeededBad/Fair
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Checking Account Required
  • Initial Credit Limit of $500.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
QUICK CASH!
APPLY NOWon 5kFunds Secure Site
  • Loan Amounts$100 – $35,000
  • APR Range5.99% – 35.99%
  • Credit NeededBad/Poor/Fair
Loan Details

Highlights

  • Click “APPLY NOW” to get started on 5kFunds secure site
  • Borrow $100 to $35,000 – Fast
  • Instant Decision – Minimal Paperwork
  • Safe, Secure, & Trusted form
  • All credit types welcome!
  • Get money sent right to your account faster than you’d believe!
  • *See Site for Terms and Conditions

APPLY NOWon Group One Platinum’s Secure Site
  • Credit NeededBad Credit, No Credit – OK
  • ApprovalInstant Approval
  • Credit Limit$500 Credit Line!
Card Details

Highlights

  • Click “APPLY NOW” to apply securely on Group One Platinum’s secure site
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • *See Card for Details
APPLY NOWon Fit Mastercard’s Secure Site
  • Credit NeededBad/Fair
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Checking Account Required
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
APPLY NOWon Horizon Gold’s Secure Site
  • Credit Check?No Credit Check
  • ApprovalInstant Approval
  • Credit LimitGuaranteed $500 Credit Line*
Card Details

Highlights

  • Click “APPLY NOW” to apply securely on Horizon Gold Card’s site
  • Horizon Gold Card is a $500 Unsecured Credit Line
  • Instant Approval
  • No Employment Check
  • Reports to a Major Bureau
  • No credit check. Bad credit accepted.
  • *See Site for Terms and Conditions

Top-Rated Card Companies
No Hidden Fees
Won’t Harm Credit Score
Proudly Sponsored On

Typical Credit Card Approval Process

How to Apply

Click “APPLY NOW” to securely apply for a credit card on the issuer’s site.

What You’ll Need

You’ll probably have to answer questions about your income and estimate your credit score again.

Getting Your Card

Once you’re approved and receive your card in the mail, you’ll be able to spend money on it right away!

What Are Credit Cards?

Credit cards, also sometimes called “charge cards” allow users to spend money before they actually have it. This is the main difference between credit cards and debit cards.

For example, if you need to make a $250 purchase today, and you don’t have the $250 in cash to make the purchase, a credit card will allow you to make the purchase and pay the $250 later. For those of us that depend on receiving our paychecks every two weeks, credit cards can be a lifesaver.

We spent 200+ hours searching for the best credit cards of 2019, because not all credit cards are made equal. Many shady online credit issuers have high variable rates and lots of hidden fees. None of the issuers on this page have hidden fees, and virtually all are highly rated and respected.

What Can I use Credit Cards For?

Credit cards can be used for everyday purchases, or just about anything! Some of the most popular uses include:

  • Everyday expenses, i.e. groceries, gas, coffee, etc.
  • Large, unplanned expenses
  • Pay for a wedding
  • Automobile expenses
  • Medical bills

According to research by Finder, roughly 70.02% of all Americans have credit cards. Typically, the better your credit score, the more perks you’ll get with a credit card.

Credit Card Myths

One of the most common misconceptions about credit cards is that they somehow negatively effect your credit score.

For most cases, this is not true. There’s often no impact on your personal credit score to see if you qualify for a credit card. If applying for a specific card will negatively impact your credit, we’ll be sure to make a note on our page.

The only way a credit card can hurt your credit score is if you fail to make your minimum/full monthly payments. Ideally, you’ll want to pay off your credit card in full each month to avoid interest charges. However, even if you only make the minimum credit card statement balance payment, your credit score will actually not take a hit; in many cases, it could improve due to regularly, timely payments. Issuers view timely payments very positively, so you should always aim to pay off your credit card on time every month.

Updated: Jan 1, 2020

OptionsBro.com is NOT a lender or credit card issuer. For specific details about each credit card product presented on this Site, please visit the individual issuers website to learn more about APR, rates, terms, fees, and features. See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s web site.