Best Credit Cards for People with Poor Credit | LendingTree

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

Apply Now

on Capital One's secure site

Capital One Platinum Secured Credit Card
 

Rated 4/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards Card
Apply Now

on Capital One's secure site


  • Rewards Rate Non-rewards Card

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 30.74% (Variable)
  • Credit Needed Limited/Poor

Highlights

  • 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 are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Apply Now

on Destiny Mastercard®'s secure site

Destiny Mastercard®
 

Rated 2.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Destiny Mastercard®'s secure site


  • Rewards Rate Non-rewards card

  • No Security Deposit All the benefits of a Mastercard, without a security deposit
  • Easy Access 24/7 access to your account, even on mobile!
  • Build Credit Reports to all three major credit bureaus
  • Credit Needed Limited/Poor/Fair/Good

Highlights

  • 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!
Apply Now

on Credit One Bank's secure site

Credit One Bank® Platinum Visa® for Rebuilding Credit
 

Rated 3.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
Apply Now

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.

  • Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
  • Purchase APR 29.74% Variable
  • Build Credit This unsecured card requires no deposit and can help build your credit
  • Credit Needed Poor/Fair

Highlights

  • 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
Apply Now

on Milestone Mastercard®'s secure site

Milestone Mastercard®
 

Rated 3/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Milestone Mastercard®'s secure site


  • Rewards Rate Non-rewards card

  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Build Credit Account history is reported to the three major credit bureaus in the U.S.
  • Credit Needed Fair/Good

Highlights

  • 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
Apply Now

on Bank of Missouri's secure site

Total VISA® Credit Card
 

Rated 2/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Earn 1% cash back rewards on payments made to your Total Credit Card
Apply Now

on Bank of Missouri's secure site


  • Rewards Rate Earn 1% cash back rewards on payments made to your Total Credit Card

  • Same Day Approval Get a Response in Seconds
  • Build Your Credit Reports to all Three Major Credit Bureaus
  • Regular Purchase APR 35.99%*
  • Credit Needed Poor/Fair

Highlights

Apply Now

on Bank of Missouri's secure site

First Access VISA® Credit Card
 

Rated 3/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate 1% Cash Back
Apply Now

on Bank of Missouri's secure site


  • Rewards Rate 1% Cash Back

  • Get Approved Fast Quick and Easy Secure Online Application
  • Rewards Rate 1% Cash Back
  • Ongoing Purchase APR 35.99%*
  • Credit Needed Poor/Fair

Highlights

Apply Now

on Revvi's secure site

Revvi Card
 

Rated 2.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate 1% Cash Back
Apply Now

on Revvi's secure site


  • Rewards Rate 1% Cash Back

  • Rewards Rate 1% Cash Back
  • Monthly Fee None 1st year, $8.25 after
  • Activation Fee $95*
  • Credit Needed Poor/Fair

Highlights

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • ^^See Revvi Rewards Programs Terms & Conditions for details
Apply Now

on Avant's secure site

AvantCard Credit Card
 

Rated 4/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Avant's secure site


  • Rewards Rate Non-rewards card

  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 35.99%
  • Credit Needed Limited/Poor/Fair

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
Apply Now

on The Bancorp Bank's secure site

Secured Chime Credit Builder Visa® Credit Card
 

Rated 0/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

0/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on The Bancorp Bank's secure site


  • Rewards Rate Non-rewards card

  • 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.
  • Credit Needed Limited/Poor/Fair

Highlights

  • 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 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 The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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 received a single qualifying direct deposit of $200 or more to your 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 loads or 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.
    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.

Apply Now

on First Digital's secure site

First Digital Mastercard®
 

Rated 2/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate 1% Cash Back
Apply Now

on First Digital's secure site


  • Rewards Rate 1% Cash Back

  • 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).
  • Credit Needed Limited/Poor/Fair

Highlights

  • 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
Apply Now

on Continental Finance's secure site

Reflex® Platinum Mastercard®
 

Rated 2.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Continental Finance's secure site


  • Rewards Rate Non-rewards card

  • 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.
  • Credit Needed Limited/Poor/Fair

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • 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
Apply Now

on First Progress's secure site

First Progress Platinum Elite Mastercard® Secured Credit Card
 

Rated 2/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on First Progress's secure site


  • Rewards Rate Non-rewards card

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 25.24% (V)
  • Credit Needed Limited/Poor

Highlights

  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Apply Now

on Continental Finance's secure site

FIT™ Platinum Mastercard®
 

Rated 2/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

2/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Continental Finance's secure site


  • Rewards Rate Non-rewards card

  • Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
  • Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
  • 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.
  • Credit Needed Poor/Fair

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
Apply Now

on First Progress's secure site

First Progress Platinum Select Mastercard® Secured Credit Card
 

Rated 3/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate 1% Cash Back
Apply Now

on First Progress's secure site


  • Rewards Rate 1% Cash Back

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line
  • Regular Purchase APR 19.24% (V)
  • Credit Needed Limited/Poor

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Apply Now

on Merrick Bank's secure site

Merrick Bank Secured Credit Card
 

Rated 3.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Merrick Bank's secure site


  • Rewards Rate Non-rewards card

  • 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.
  • Credit Needed Limited/Poor

Highlights

  • 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.
Apply Now

on First Progress's secure site

First Progress Platinum Prestige Mastercard® Secured Credit Card
 

Rated 4/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate 1% Cash Back
Apply Now

on First Progress's secure site


  • Rewards Rate 1% Cash Back

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 15.24% (V)
  • Credit Needed Limited/Poor

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Apply Now

on Capital Bank, N.A.'s secure site

OpenSky® Secured Visa® Credit Card
 

Rated 3.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

3.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate Non-rewards card
Apply Now

on Capital Bank, N.A.'s secure site


  • Rewards Rate Non-rewards card

  • Purchase APR 25.64% (variable)
  • Build Credit Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • Flexible Due Date Choose the due date that fits your schedule with flexible payment dates
  • Credit Needed Poor

Highlights

  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months, no additional deposit required!
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
*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.
Compare
Add a Card +
Back to top ↑