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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.
  • Read our independent ratings and reviews and apply with our secure online application process

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on Capital One's secure site

Secured Mastercard® from Capital One

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 111 Offer Ratings
Over the Past 60 Days!

(111) Over the Past 60 Days!
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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

    26.99% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
Apply Now

on Genesis FS Card Services's secure site

Indigo® Platinum Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.2/5.0 from 17 Offer Ratings
Over the Past 60 Days!

(17) Over the Past 60 Days!
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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® Platinum Mastercard®

Apply Now

on Genesis FS Card Services's secure site

Destiny Mastercard®

 

Rated /5 stars by our editorial team

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Your Rating:

1.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!
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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
  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus

See additional details for Destiny Mastercard®

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on Credit One Bank's secure site

Credit One Bank® Platinum Visa® for Rebuilding Credit

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
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on Credit One Bank's secure site

  • Rewards

    Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply

  • Purchase APR

    17.99% to 23.99% Variable

  • Benefits and Features

    View your Experian credit score online for free, terms apply


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0-$99

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Find out if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
Apply Now

on Genesis FS Card Services's secure site

Milestone® Gold Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

  • Mastercard Gold Benefits

    Accepted Worldwide and $0 Fraud Liability

  • Customize Your card

    Pick from multiple card designs at no extra charge

  • Regular Purchase APR

    24.9% variable


  • 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
  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Milestone® Gold 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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Your Rating:

3.1/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!
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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
  • 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

Apply Now

on Applied Bank's secure site

Applied Bank® Unsecured Classic Visa® Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

3.4/5.0 from 12 Offer Ratings
Over the Past 60 Days!

(12) Over the Past 60 Days!
Apply Now

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
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
Apply Now

on Bank of Missouri's secure site

First Access VISA® Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!

(5) Over the Past 60 Days!
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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
  • Get a result in as little as 60 seconds upon completion of the online application
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Online Customer Center available 24 x 7
  • $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 /5 stars by our editorial team

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Your Rating:

0.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
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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
Apply Now

on Celtic Bank's secure site

Surge Mastercard® Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
Apply Now

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
  • All credit types welcome to apply!
  • 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
  • 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 Mastercard® Credit Card

Apply Now

on Bank of Missouri's secure site

FIT Mastercard®

 

Rated 2/5 stars by our editorial team

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Your Rating:

2.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
Apply Now

on Bank of Missouri's secure site

  • 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.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required

See additional details for FIT Mastercard®

Apply Now

on Celtic Bank's secure site

Reflex Mastercard®

 

Rated 2.5/5 stars by our editorial team

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Your Rating:

2.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
Apply Now

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.


Highlights

  • Click "APPLY NOW" to apply online
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • 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
  • 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 Mastercard®

Apply Now

on First Progress's secure site

First Progress Platinum Elite Mastercard® Secured Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

2.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
Apply Now

on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line*

  • Regular Purchase APR

    19.99% Variable


  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • See additional First Progress Platinum Elite Mastercard® Secured Credit Card details
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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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Your Rating:

4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
Apply Now

on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line*

  • Regular Purchase APR

    9.99%


  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • See additional First Progress Platinum Prestige Mastercard® Secured Credit Card details
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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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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
Apply Now

on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line

  • Regular Purchase APR

    13.99%


  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • See additional First Progress Platinum Select Mastercard® Secured Credit Card details
Apply Now

on Merrick Bank's secure site

Merrick Bank Secured Visa® Credit Card

 

Rated 3.5/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
Apply Now

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 Visa is accepted.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

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

  • Card Brand

    Visa®

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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

*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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