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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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    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 17.9% - 23.9% (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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    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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    3

    First National Bank of Omaha Secured Visa® Credit Card

    first national bank of omaha secured visa card
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $19
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.99% (V)
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    3

    Wells Fargo® Secured Credit Card

    wells fargo secured card
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $25
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 18.99% (V)
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