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Credit Cards for Poor Credit – Poor Credit Credit Cards 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.
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on Capital One's secure site

Capital One Platinum Secured Credit Card

 

Rated 4/5 stars by our editorial team

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on Capital One's secure site

  • Reports to Credit Bureaus

    Build Credit When Used Responsibly

  • Minimum Deposit

    $49, $99, or $200

  • Regular Purchase APR

    29.74% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
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on Genesis FS Card Services's secure site

Indigo® Mastercard®

 

Rated 3/5 stars by our editorial team

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on Genesis FS Card Services's secure site

  • Easy Pre-qualification

    Quick pre-qualification available with no impact to your credit score*

  • Custom Card Design

    Pick from multiple card designs at no extra charge*

  • Reports to Credit Bureaus

    Account history is reported to the three major credit bureaus in the U.S.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 - $99

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Indigo® Mastercard®

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on Avant's site

AvantCard Credit Card

 

Rated 4/5 stars by our editorial team

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(1) Over the Past 60 Days!
  • Apply Online

    Fast and easy application process

  • No Hidden Fees

    No deposit required and no penalty APR

  • Regular APR

    29.24%


  • Typical Credit Needed

    550

    600

    660

    720

    850

  • Annual Fee

    $59

  • Card Brand

    Mastercard®

Highlights

  • 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
  • Checking your eligibility does not affect your credit score

See additional details for AvantCard Credit Card

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on Genesis FS Card Services's secure site

Destiny Mastercard®

 

Rated 2.5/5 stars by our editorial team

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on Genesis FS Card Services's secure site

  • Easy Pre-qualification

    Prequalify for a card today and it will not impact your credit score

  • Regular Purchase APR

    24.9%

  • Build Credit

    Reports to all three major credit bureaus


Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Reports to all three major credit bureaus

See additional details for Destiny Mastercard®

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on Genesis FS Card Services's secure site

Milestone Mastercard®

 

Rated 3/5 stars by our editorial team

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on Genesis FS Card Services's secure site

  • Mastercard Benefits

    Accepted Worldwide and $0 Fraud Liability

  • Mobile Access

    Access your account online or from your mobile device 24/7

  • Regular Purchase APR

    24.9%


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $35-$99, depending on creditworthiness*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S

See additional details for Milestone Mastercard®

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on Bank of Missouri's secure site

Total VISA® Credit Card

 

Rated 2/5 stars by our editorial team

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on Bank of Missouri's secure site

  • Same Day Approval

    Get a Response in Seconds

  • Build Your Credit

    Reports to all Three Major Credit Bureaus

  • Regular Purchase APR

    See Terms


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus

See additional details for Total VISA® Credit Card

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on Applied Bank's secure site

Applied Bank® Unsecured Classic Visa® Card

 

Rated 2/5 stars by our editorial team

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on Applied Bank's secure site

  • Build Credit

    Reports to All Three Major Credit Bureaus

  • Increase Your Credit Line

    Access Additional Credit with On-Time Payments and Responsible Usage

  • Easy Application

    Fast and Easy Application and Approval Process! Click “Apply Now” to apply online


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    *See Terms

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
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on Bank of Missouri's secure site

First Access VISA® Credit Card

 

Rated 3/5 stars by our editorial team

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on Bank of Missouri's secure site

  • Get Approved Fast

    Quick and Easy Secure Online Application

  • VISA Access

    Enjoy VISA benefits and acceptance

  • Ongoing Purchase APR

    See Terms


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

See additional details for First Access VISA® Credit Card

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on First Digital's secure site

First Digital NextGen Mastercard® Credit Card

 

Rated 2/5 stars by our editorial team

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on First Digital's secure site

  • Widely Accepted

    Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

  • Build Credit

    Build up your Credit with a card that reports to all three major credit bureaus every month.

  • Fast Application and Delivery

    Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Build up your Credit 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
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application – it just takes moments to apply. Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Synovus Bank, Member: FDIC
  • See additional First Digital NextGen Mastercard® Credit Card details
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on Celtic Bank's secure site

Surge® Platinum Mastercard®

 

Rated 2/5 stars by our editorial team

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on Celtic Bank's secure site

  • Build Credit

    Monthly reporting to the three major credit bureaus

  • Worldwide Use

    Use your card wherever Mastercard is accepted

  • Easy Application Process

    All credit types welcome to apply


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See website for Details*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

See additional details for Surge® Platinum Mastercard®

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on First Progress's secure site

First Progress Platinum Prestige Mastercard® Secured Credit Card

 

Rated 4/5 stars by our editorial team

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on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line*

  • Regular Purchase APR

    14.24% (V)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $49

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
  • See additional First Progress Platinum Prestige Mastercard® Secured Credit Card details
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on Mission Lane's secure site

Mission Lane Visa® Credit Card

 

Rated /5 stars by our editorial team

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(0) Over the Past 60 Days!
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on Mission Lane's secure site

  • Strengthen Your Credit

    Free, online credit score access for cardholders.

  • Regular APR

    26.99 - 29.99% (Variable)

  • Credit Line Increase

    Get a higher credit line if you're in good standing after making your first 6 payments on time.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $59

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • See if you qualify instantly without harming your credit score.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.

See additional details for Mission Lane Visa® Credit Card

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on Celtic Bank's secure site

Reflex® Platinum Mastercard®

 

Rated 2.5/5 stars by our editorial team

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(0) Over the Past 60 Days!
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on Celtic Bank's secure site

  • Easy Application

    Fast and easy application process; results in seconds.

  • Build Credit

    Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.

  • Pre-Qualification

    See if you’re Pre-Qualified with no impact to your credit score.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • See if you’re Pre-Qualified with no impact to your credit score
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

See additional details for Reflex® Platinum Mastercard®

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on First Progress's secure site

First Progress Platinum Select Mastercard® Secured Credit Card

 

Rated 3/5 stars by our editorial team

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on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line

  • Regular Purchase APR

    18.24% (V)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $39

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
  • See additional First Progress Platinum Select Mastercard® Secured Credit Card details
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on MRV Banks's secure site

Revvi Card

 

Rated /5 stars by our editorial team

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on MRV Banks's secure site

  • Annual Fee

    $75 1st year, $48 after

  • Monthly Fee

    None 1st year, $6.25 after

  • Activation Fee

    $89


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $75 1st year, $48 after

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Jump on board with Revvi! Perfect credit not required
  • Fast and easy application; response provided in seconds
  • You asked, we listened – get the Revvi mobile app now
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • *See rates, fees, costs and limitations for additional details and Revvi Rewards Program Terms & Conditions for details^^

See additional details for Revvi Card

Apply Now

on First Progress's secure site

The First Progress Platinum Elite Mastercard® Secured Credit Card

 

Rated 2/5 stars by our editorial team

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on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line*

  • Regular Purchase APR

    24.24% (V)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $29

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
  • See additional The First Progress Platinum Elite Mastercard® Secured Credit Card details
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on Merrick Bank's secure site

Merrick Bank Secured Credit Card

 

Rated 3.5/5 stars by our editorial team

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on Merrick Bank's secure site

  • Credit Line

    Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!

  • Fraud Liability

    $0 fraud liability for unauthorized charges.

  • Worldwide Acceptance

    Use it anywhere Mastercard is accepted.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $36 for the first year. Billed $3 per month thereafter.

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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.

See additional details for Merrick Bank Secured Credit Card

Apply Now

on Credit One Bank's secure site

Credit One Bank® Platinum Visa® for Rebuilding Credit

 

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on Credit One Bank's secure site

  • Rewards Rate

    1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.

  • Purchase APR

    28.24% Variable

  • Build Credit

    This unsecured card requires no deposit and can help build your credit


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $75/$99

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • See additional Credit One Bank® Platinum Visa® for Rebuilding Credit details
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on The Bancorp Bank's secure site

Chime Credit Builder Visa® Credit Card

 

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on The Bancorp Bank's secure site

  • Build your credit history

    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.

  • Annual Fee

    $0

  • Interest & fee free cash withdrawals

    Interest & fee free cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.


Highlights

  • Click "APPLY NOW" to apply online
  • 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 lenders5
  • Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments4
  • 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 Spending Account and receive a qualifying direct deposit of $200 or more2. See www.chime.com to learn more.
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
  • *For more information about Chime and how Credit Builder works, click here

*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.

Credit Cards for Bad Credit History

So called “bad credit” credit cards are especially designed credit cards for people with bad credit, low credit, or no credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with  limited scrutiny of your finances, debts, and poor credit history.

Some bad credit credit cards require that the cardholder make a payment deposit into their card account which is then used as collateral or security against any charges to the card. This is a standard prepayment process, and you basically set your own credit limit based on how much money you keep in your account. But there are even some that require no security deposit or prepayment – although these cards usually make money from cardholders by charging high interest rates and fees due to the reduced creditworthiness of the cardholder.

For most people, the best credit card for bad credit will be one that charges reasonable fees in exchange for helpful features like online bill paying and financial management tools. Study the menu of fees to see how much you can expect to pay for using the card in the way to which you are accustomed. Another key fact area to consider will be whether or not the credit card company reports to the major credit bureaus on a regular basis. This type of regular reporting is the major building block toward credit report. After taking these aspects into consideration, pick a card that suits you and use it to build up your poor credit score by making on-time payments with all creditors and keeping account balances low relative to the credit limit. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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