Credit Card Offers for Fair or Bad Credit for July 2024

To make choosing a Credit Card easier, below is a list of top credit card offers for Fair or Bad Credit for July 2024!

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on Self's
secure website

Credit NeededNo Credit, Bad, Fair

Self - Credit Builder Account + Secured Visa® Credit Card

Start with a Credit Builder Account, which is a loan in a bank-held Certificate of Deposit that you pay off in monthly installments. Choose the plan that works for you.
In order to successfully open the Self Credit Builder Account, submission of a one-time non-refundable $9 admin fee is required.
Each on-time monthly payment gets reported to all 3 credit bureaus, builds credit history, and adds to your savings.
Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See Rates and Fees.
Card eligibility: Active Credit Builder Account in good standing, 3 on-time payments, $100 or more in savings progress, and satisfy income requirements. Requirements are subject to change.
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.
Self Visa® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details

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on Chime's
secure website

Credit NeededAverage/Fair, Poor, None/Limited History

Secured Chime Credit Builder Visa® Credit Card

In order to be eligible for this secured credit card, you must first open a Chime® Checking account and receive a qualifying direct deposit of $200 or more.
No credit check to apply, no annual fees, and no minimum security deposit¹
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A. The secured Credit Builder card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.
¹Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

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on Current's
secure website

Credit NeededNone - no credit check required

Current Build Card

Start banking & building credit
Build credit while you bank
No monthly fees or minimum fees*
No credit checks or history required
Earn points on swipes for cash back
Get paid up to 2 days faster**
Earn up to 4.00% APY on savings***
*Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
**Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.
***The Annual Percentage Yield ("APY") earned on Savings Pods is variable and may change at any time. The disclosed APY is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn either 0.25% APY or 4.00% APY on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00% APY. Qualifying direct deposit of more than $200 required for 4.00% APY. No minimum balance required. Please refer to Current Boost Terms and Conditions.

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These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

Advertiser Disclosure: The credit card offers that appear above are from credit card companies from which this website receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. This site does not review or include all credit card companies or all available credit card offers. Because credit card offers change frequently, please visit the card issuer site for current information.