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Credit Cards for Poor Credit

Credit Cards for Poor Credit

“Credit cards for poor credit” is a rather ambiguous term that can be used to describe both credit cards for fair credit and credit cards for bad credit. In general, people with poor credit have FICO scores below 660, but if you want a better idea of exactly where you stand without paying to access your credit score, there are qualitative criteria that can provide some insight. If you have an open credit card or loan, your credit limit is below $5,000, and you have been late on more than one credit card, loan or medical payment in the last six months, then you probably fall into the “fair credit” category. If you’re currently late on a credit card, loan or medical bill payment or your balance is close to the limit on your credit card(s) or you’ve declared bankruptcy in the last three years or you have been more than 60 days late on a credit card, loan or medical bill payment in the last nine months, then you likely have “bad credit.” Poor credit credit cards are therefore designed for people with somewhat damaged credit, and your goal in opening one should be to find the lowest rates and fees in order to rebuild your credit standing cost-effectively. With this in mind, use the filters on the left to adjust your search or compare the terms of the credit cards for people with poor credit listed below.

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    4

    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of $49, $99, or $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)
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    3

    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $99
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.90% - 23.90% (V)*
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    3

    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 14.99% (V)
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    3.5

    First Progress Platinum Elite MasterCard® Secured Credit Card

    Platinum Secured Credit Card from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 19.99% (V)
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    3

    First Progress Platinum Prestige MasterCard® Secured Credit Card

    MasterCard Secured Card from FirstProgress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $44
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 11.99% (V)
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    3.5

    Open SkySM Secured Visa® Credit Card

    open sky secured credit card
    • SECURED CREDIT CARD Min Deposit of $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.5% (V)
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    4

    Primor Blue Visa Credit Card

    primor credit card
    • SECURED CREDIT CARD Min Deposit of $200
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 13.99% (V)
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    4

    Primor™ Secured Visa Gold Credit Card

    primor secured visa gold card
    • SECURED CREDIT CARD Min Deposit of $200
    • ANNUAL FEE $49
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 9.99% (V)
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    3

    Harley-Davidson® Secured Credit Card

    harley davidson secured credit card
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE None
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.99% (V)
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    4

    Merrick Bank Secured Credit Card

    merrick bank secured credit card
    • SECURED CREDIT CARD Min Deposit of $200
    • ANNUAL FEE $36 1st yr, None after
    • MONTHLY FEE None 1st yr, $3 after
    • ONE-TIME FEES None
    • REGULAR RATE 17.45% (V)
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    COMMUNITY DISCUSSION

    Help others find the best poor credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    September 14, 2014
    Photo of Everett L.
    By: Everett Lenk
    Hey Brian, I work for a company that what we do, is help clients improve their credit scores, The best way by far with no close second is to open one maybe even two or three revolving accounts which is what credit cards are. That is the biggest tool we use to help clients improve their score. The key is to keep you balance at 25% or lower of available credit. Trust me on that, I have seen credit scores go up over 100pts just from adding a credit card. I understand what you mean in your comment but to truly increase you score you need to be proactive and credit cards are the best way to do it.
    July 18, 2014
    Photo of Brian B.
    By: Brian Bartone
    I honestly have not used a credit card for bad credit, and I must admit, my score probably isn't the greatest. I just think there are better ways to improve your credit score besides using what probably hurt in the first place. My logic at this point in my life is if you really want to fix or improve your credit, make the effort to pay off what damaged to begin with.
    May 24, 2014
    Photo of Theresa J.
    By: Theresa Johnson
    A few years ago I tried to obtain three cards that were created for people with bad credit. I received two cards and I have tried my best to maintain my accounts as well as possible. While many of these types of cards have high annual fees, ridiculous interest rates and signup fees, it is a good idea to search for something reasonable. Being responsible with the cards I have, my credit score has been slowing creeping up. Also, keep in mind that all credit cards for poor credit are not secured cards. Don't apply for any card you think you may be declined for since this will put a dent in your credit score, which is the opposite of what you are trying to do.
    August 4, 2014
    Photo of Rhonda Jacobson
    Rhonda Jacobson
    Good advice!!Thanks