Subprime Credit Cards List

Subprime credit cards are credit cards especially for people with bad credit histories as well as people with no credit history who want to establish credit (or re-establish credit if they’ve handled credit poorly in the past). A subprime credit card can be unsecured (no deposit required) or secured (requires a deposit). Our list below begins with unsecured subprime cards (because most people prefer not to put down a deposit), followed by secured card offerings for subprime borrowers:


– This unsecured card requires no deposit and can help build your credit. Receive opportunities for credit line increases, a fee may apply. See if you Pre-Qualify in less than 60 seconds. Receive 1% cash back on eligible purchases, terms apply. ++

  • – This is sort of the subprime version of Capital One’s well-known Quicksilver Rewards card. It has a $39 annual fee and a high 24.99% interest rate. On the upside it has the same 1.5% cash back formula of the standard Quicksilver card. This card is billed as being for “average credit”, but from the comments on the Capital One site, at least some of its cardholders fit in the subprime category.
  • – Notorious for high fees and low credit lines, but does offer an unsecured card for subprime customers.


– Bank of America’s secured credit card allows you to fund a credit line between $300 and $4900. There is a $39 annual fee in addition to your security deposit, and the interest rate on any balances you carry on the card is high at 20.49%.

++ Indicates that this site receives compensation when you are approved for this card.