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Credit Cards for Bad Credit                                      




The following Credit Cards are for People with Bad Credit, less than perfect credit or who are looking to re-establish their credit. Choose from both secured and unsecured credit card offers below.

 
   
Best Balance Transfers Credit Card
Best Low Interest Rate Credit Card, 0% Inroductory APR on Purchases
Best Free Credit Card, $0 Annual Fee

Chase Bank

Cash Plus® Rewards Visa®
 

Platinum MasterCard® BEST Low Interest Rate Credit Card, 0 % Inroductory APR on Purchases
 
0% Intro APR for 12 months  
$0 Annual Fee Great Rewards  
Apply NOW for Cash Plus® Rewards Visa® Credit Card! Apply Now!

HSBC® Bank

Platinum
MasterCard®
 

 
0% Intro APR for 12 months  
$0 Annual Fee Great Choice  
Apply NOW for Platinum MasterCard® Credit Card! Apply Now!

American Express

Blue from American Express®
 

Cash Plus® Rewards Visa® BEST Balance Transfers Credit Card
 
0% Intro APR for 15 months  
$0 Annual Fee Great Rewards  
Apply NOW for Blue from American Express® Credit Card! Apply Now!
The credit card may simply serve as a form of revolving credit, or it may become a complicated financial instrument with multiple balance segments each at a different interest rate, possibly with a single umbrella credit limit, or with separate credit limits applicable to the various balance segments. Usually this compartmentalization is the result of special incentive offers from the issuing bank, either to encourage balance transfers from cards of other issuers, or to encourage more spending on the part of the customer. In the event that several interest rates apply to various balance segments, payment allocation is generally at the discretion of the issuing bank, and payments will therefore usually be allocated towards the lowest rate balances until paid in full before any money is paid towards higher rate balances. Interest rates can vary considerably from card to card, and the interest rate on a particular card may jump dramatically if the card user is late with a payment on that card or any other credit instrument. As the rates and terms vary, services have been set up allowing users to calculate savings available by switching cards, which can be considerable if there is a large outstanding balance (see external links for some on-line services).
 

       

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