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Publications featuring LendingTree experts this month
Credit Cards for Poor Credit
- Even with poor credit, you can still get a credit card.
- These cards are ideal if you are looking to build or rebuild your credit or if you’re starting from a low credit score.
- Read our independent ratings and reviews and apply to a card from our partners with our secure online application process
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $0
-
Welcome OfferN/A
-
Rewards RateNon-rewards Card
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card now comes with no annual fee, making it one of the few secured cards without it. Capital One Platinum Secured Credit Card is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
Our Take
The Good
With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.
The Not So Good
The APR is 29.74% (Variable). You also have to put forth a security deposit in order to get this card.
Card Details
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee See Terms*
-
Welcome OfferN/A
-
Rewards Rate1% cash back
- Credit Needed Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$48
-
Est. First Year Rewards
$579
The Bottom Line
The Revvi Card is an intriguing option for those looking to rebuild their credit, especially given its no security deposit requirement and the perk of earning cash back on purchases, which isn't always common in cards aimed at lower credit tiers.
Our Take
The Good
The Revvi Card is a credit card that doesn't require a security deposit, making it accessible for individuals with low credit scores or limited credit history who are looking to build or improve their credit, as it reports to all three major credit bureaus. Additionally, it offers cash back on all purchases, providing an incentive for cardholders to use the card responsibly while earning rewards.
The Not So Good
Despite its benefits, the Revvi Card comes with a high annual fee and a high APR, which can quickly outweigh the advantages of cash back rewards if balances are not paid in full monthly. Moreover, it includes a program fee upon account opening, which adds an additional upfront cost, making it less attractive for those seeking a cost-effective route to credit building.
Card Details
- An initial credit limit Up To $500 (See terms*)
- Earn 1% Cash Back Rewards^^ on payments made to your Revvi Credit Card!
- Opportunity to request credit limit increase after twelve months, fee applies.
- Fast and easy application process.
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ^^See Revvi Rewards Programs Terms & Conditions for details
- Annual Fee $0
-
Welcome OfferN/A
-
Rewards RateNon-rewards card
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
The Secured Chime Credit Builder Visa® Credit Card takes on a straightforward approach to credit building, with no fees or interest rates adding to its allure for those cautious about additional charges. It is a foundational tool for credit improvement, rather than a fully-featured financial product offering broader benefits.
Our Take
The Good
The Secured Chime Credit Builder Visa® Credit Card stands out for its no annual fee and no interest rate policy, making it a very cost-effective option for those looking to build or improve their credit score. It also doesn't require a credit check for approval, allowing easier access for individuals regardless of their credit history, and it reports to all three major credit bureaus, aiding in the credit building process.
The Not So Good
You must have a Chime Spending Account and having to move money into the Credit Builder secured account to spend can be limiting for some potential users who prefer more flexibility with their funds.
Card Details
- No annual fees or interest,* no credit check to apply, and no minimum security deposit required3
- Help increase credit score by an average of 30 points1
- View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
- Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
- Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. The secured Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- *No interest: Out of network ATM withdrawal fees may apply. See here for details.1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.2 To apply for Credit Builder, you must have an active Chime® Checking Account.3 Money 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.ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
- Annual Fee $75.00 1st year, $48.00 after*
-
Welcome OfferNone
-
Rewards Rate1% cash back
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The First Digital Mastercard® could be a stepping stone for those desperately seeking to rebuild credit and who might find themselves with limited options due to their credit history.
Our Take
The Good
The First Digital Mastercard® offers a chance to access credit and potentially improve credit scores by reporting monthly payments to the three major credit bureaus. Its relatively quick and easy application process is also a plus, providing an accessible route for those looking to rebuild their credit.
The Not So Good
This card comes with an initial setup fee, annual fee, and monthly service fee after the first year, which can significantly increase the overall cost of having the card. Additionally, it has a high APR on purchases, making it expensive for cardholders who carry a balance.
Card Details
- Earn 1% cash back rewards on payments made to your First Digital Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- Build up your credit history with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Cash Back Rewards Programs Terms & Conditions for details
- Annual Fee See Terms*
-
Welcome OfferNo bonus
-
Rewards Rate1% cash back
- Credit Needed Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The Total VISA® Credit Card is decent option consumers trying to rebuild their credit, but this particular card does come with quite a few fees. Your account activity will be reported to the three major credit bureaus.
Our Take
The Good
The main benefit of the Total VISA® Credit Card is that it allows cardholders a chance to build their credit. Rather than using cash to pay for your purchases, you can pay with your card and then pay off the balance as soon as you can.
The Not So Good
The annual fee is pretty high compared to the benefits of carrying the card.
Card Details
- An initial credit limit Up To $500! (See terms*)
- Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
- Checking account required.
- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
- Annual Fee $75 - $125
-
Welcome OfferN/A
-
Rewards RateNon-rewards card
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
If you're a consumer with a low credit score, it might be worth seeing if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
Our Take
The Good
This card helps you build credit by reporting your timely payments to the three major credit bureaus. It also gives you $0 liability for fraudulent charges, which is a nice added feature.
The Not So Good
Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees — the card charges an annual fee between $75 - $125, as well as a maintenance fee up to per month. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.
Card Details
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Annual Fee See terms
-
Welcome OfferNo bonus
-
Rewards RateNon-rewards card
- Credit Needed Fair / Good
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
The Milestone Mastercard® is geared towards consumers who need to find a card that will give them the tools necessary to improve their credit score and credit history. In that respect, the card does a good job of offering a full-fledged card with some financial management and account oversight tools.
Our Take
The Good
Cardholders have access to the Mastercard Benefits program, which offers $0 Fraud Liability protection. The best part about this credit card is that it's an unsecured card and works just like traditional credit cards.
The Not So Good
This card does not come with a rewards program.
Card Details
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
- Annual Fee $75 for the first year. After that, $99 annually ($8.25 per month)
-
Welcome OfferN/A
-
Rewards Rate1% cash back
- Credit Needed Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$16
-
Est. First Year Rewards
$392
The Bottom Line
The Credit One Bank® Platinum Visa® for Rebuilding Credit is a decent option for those in the midst of rebuilding their credit, offering the necessary features like reporting to credit bureaus and the perk of cash back rewards. Nevertheless, the high annual fee and APR are considerable drawbacks, making it imperative for users to meticulously manage their spending and balances to truly benefit from its credit-building potential without incurring unnecessary costs.
Our Take
The Good
The Credit One Bank® Platinum Visa® for Rebuilding Credit provides an accessible credit option for individuals with less-than-ideal credit histories, offering automatic review for credit line increases and reporting to the three major credit bureaus, which are essential steps in improving credit scores.
The Not So Good
This card comes with a high annual fee that can significantly reduce its cost-effectiveness for those already managing tight financial situations. Furthermore, its relatively high APR could make carrying a balance quite expensive, potentially complicating the credit rebuilding process for individuals who are unable to pay off their balances in full each month.
Card Details
- See if you Pre-Qualify without harming your credit score
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Free Online Credit Score and Credit Report summary, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
- Annual Fee $35
-
Welcome OfferN/A
-
Rewards Rate10% cash back
- Credit Needed Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
This secured card is right in the middle in terms of rates and fees. The annual fee is pretty low compared to similar credit cards.
Our Take
The Good
There is no credit check necessary and you don't need a checking account either. A low annual fee and the potential for a high credit line makes this a great choice if you're looking for a solid secured credit card.
The Not So Good
While this card does earn rewards, it does not come with many other bells and whistles. A secured card may not be your top choice, but it’s essential to building your credit.
Card Details
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
- Annual Fee $39
-
Welcome OfferN/A
-
Rewards Rate1% Cash Back
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The First Progress Platinum Select Mastercard® Secured Credit Card is an average secured card that can be used anywhere Mastercard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.
Our Take
The Good
Card holders will enjoy a 25 day grace period before having to pay interest on purchases.
The Not So Good
This card is somewhat limited in scope, but if your goal is to boost your credit we think it can be valuable.
Card Details
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Annual Fee $49
-
Welcome OfferNo bonus
-
Rewards Rate1% cash back
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The First Progress Platinum Prestige Mastercard can help those who do not have sufficient credit to get a standard credit card. Though the card does require you to put in a security deposit (acting as the "limit" on the card), the payments you make toward it are reported to the credit bureau.
Our Take
The Good
The main benefit of this credit card is that it gives you a chance to build your credit just by spending your own money. Rather than paying cash for the things you need, you can pay with your card and then pay back the balance.
The Not So Good
You have to pay an annual fee of $49 for this card, on top of putting down a security deposit to act as your available balance.
Card Details
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Annual Fee $59
-
Welcome OfferNone
-
Rewards RateNon-rewards card
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card is a solid choice for consumers who don't want to put down $200 or more as a security deposit on a secured credit card.
Our Take
The Good
The annual fee is fairly low compared to other cards. Plus you'll pay no foreign transaction fees.
The Not So Good
The APR is quite high, so if you don't pay off your balance in full each month you could rack up steep interest charges.
Card Details
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
- Annual Fee See terms
-
Welcome OfferN/A
-
Rewards RateNon-rewards card
- Credit Needed Limited / Poor / Fair / Good
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
The Destiny Mastercard® is a practical tool for those in need of rebuilding their credit, especially valuable for its lack of a required security deposit and the inclusivity of its application process.
Our Take
The Good
The Destiny Mastercard® is designed for individuals with less-than-perfect credit, offering an unsecured credit line that does not require a security deposit, thus providing a valuable opportunity for credit building or rebuilding by reporting to all three major credit bureaus.
The Not So Good
The card includes a high annual fee that cannot be waived in the first year, and it has a relatively high APR, which can make carrying a balance quite costly.
Card Details
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- Annual Fee $36 for first year. Billed $3 per month thereafter
-
Welcome OfferNone
-
Rewards RateNon-rewards card
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card is designed for people who want to build or rebuild their credit. When used responsibly, this secured card could be a valuable tool to improve your credit and allow you to then get a better card. Monitor progress in your FICO® Score each month for free.
Our Take
The Good
As long as you don’t have a pending bankruptcy or outstanding tax obligations you may be approved for this card.
The Not So Good
Other cards may review your account earlier than one year to see if you can transition to an unsecured credit line.
Card Details
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
- Annual Fee See terms
-
Welcome OfferN/A
-
Rewards RateNon-rewards card
- Credit Needed Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
Overall, the FIT™ Platinum Mastercard® is an acceptable option if you have bad credit or limited credit, since it offers a $400 initial credit limit without a security deposit and reports to the three major credit bureaus. However, due to the card’s numerous fees and extremely high interest rates, a secured credit card instead may be a less expensive option.
Our Take
The Good
The FIT™ Platinum Mastercard®, which is open to applicants with good, bad or limited credit, is designed to help cardholders establish credit or improve their credit score and can be used anywhere Mastercard is accepted. The card also report to the three major credit bureaus—TransUnion, Experian and Equifax.
Although the FIT™ Platinum Mastercard® doesn’t come with a rewards program, it does offer benefits, such as $0 fraud liability, access to a free monthly credit score when you enroll in e-statements, online account management and credit protection. Also, when trying to build credit, credit card rewards should be a low priority anyway, as paying your balance in full and on time each month is what is most important.
The Not So Good
The FIT™ Platinum Mastercard® charges a number of costly fees, including a one-time processing fee, which can add up pretty fast,
Additionally, the card has a very high purchase APR of 35.90% Fixed. But that’s to be expected from a credit card designed for individuals with less than perfect credit.
Card Details
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Annual Fee $175 - $199
-
Welcome OfferNone
-
Rewards RateNon-rewards card
- Credit Needed Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
The Indigo® Mastercard® for Less than Perfect Credit is a good choice for people who are trying to rebuild credit.
Our Take
The Good
Being able to choose your own card design is a unique feature to this card. Also, checking if you’re pre-approved is quick and easy; you can get a 60 second decision!
The Not So Good
You won’t know which annual fee you get approved for until you submit the full application. Also, there’s no rewards program with this card, but that’s normal on credit card for building credit.
Card Details
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee $85-$175 first year, $229 thereafter
-
Welcome OfferN/A
-
Rewards RateNon-rewards card
- Credit Needed Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
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The Bottom Line
Our Take
The Good
The Not So Good
Card Details
- Cell Phone Protection* – Receive up to $800 of replacement or repair costs if eligible cell phone is stolen or damaged.
- 24-hour Roadside Assistance*
- Up to $25,000 Identity Theft Expense Reimbursement Coverage*
- Up to $1,000 Credit Limit Subject to Credit Approval
- No Security Deposit
- See if You Prequalify Instantly
- $0 Fraud Liability*
- *Terms and Conditions apply. Click Apply Now for details.
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
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