The following is a partial list of bottom-feeder (aka "subprime" credit cards). Most of these charge $75+ annually in fees and only have a $300 credit limit. These are almost as bad as payday loans. They may have monthly fees, so you may have to send a check every month even if you don't use it. Stay far far away. "But ... but ... but, I have bad credit, what am I supposed to do?". Easy, get a secured credit card from a credit union. And there is no guaranteed approval - if someone with bad credit applies for one of these, they may be denied and get a hard pull on their credit report. And if they are approved, they get the "privilege" of paying these annual fees. Run.
The partial list of bottom-feeder credit cards:
Note: I am excluding secured cards with annual fees from this list, as well as cards that require a credit score of 670 or more with an annual fee. These are all unsecured cards that you can apply for with a score of under 670 and that have a fee of $39 or more per year.
Applied Bank ($48 annual fee)
Assent ($49)
Avant ($39 fee)
Blaze Mastercard ($75 fee)
CapitalOne QuickSilverOne ($39) (Note: This is a different card from the CapitalOne QuickSilver card which has no annual fee).
Continental Finance Mastercard ($300)
CreditOne ($99 fee) (Note: applicants with a better score may get a $0 annual fee)
CreditOne American Express Card ($39). This is a little better, but it has an APR of 23.99%.
Destiny ($59-$99)
Hutton Chase Deluxe Signature ($239)
First Access ($75 fee)
First Digital ($75 fee)
First National Bank of Minnesota Visa ($75)
First Premier ($125 to $174 fee)
First Progress Mastercard ($49 fee)
Fit Mastercard ($99)
Fortiva Mastercard ($175)
Freedom Gold ($300)
Group One Platinum ($300)
Horizon Gold ($300)
Indigo Mastercard ($75)
Merit Platinum ($300 annual fee)
Milestone ($35 to $99 fee)
Mission Lane ($59 fee)
My Best Buy Visa ($59) (Note: applicants with a better credit score may get a $0 annual fee, but this still has 27.49% interest)
NASCAR CreditOne Visa ($99) (Note: applicants with a better credit score may get a $0 annual fee)
Net First Platinum ($72 to $300 annual fee)
Next Millenium ($239 fee)
NextGen Platinum Mastercard ($75) (May be the same as First Digital)
Ollo Rewards ($39) (Note: by invitation only, applicants with a better credit score may get a $0 annual fee)
Premier Forward ($75-$125) (Another name for First Premier.
Reflex Mastercard ($99 fee)
Sam's Club Mastercard ($55) (580 score needed)
Southwest Rapid Rewards Premier or Priority ($69 to $149) (from Chase) (Some applicants get approved with scores as low as 607)
Starbucks Rewards Visa ($49) (A review says that a minimum credit score of 600 is needed)
Surge Mastercard ($125 fee)
Total Visa ($89)
US Bank LATAM Visa ($45) (Note: This may no longer be available because LATAM is declaring bankruptcy)
Vast Platinum ($240)
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