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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 where you stand without paying for credit score access, certain qualitative criteria 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…show more

    4 4,380 reviews

    Capital One® Secured MasterCard®


    capital one secured credit card
    • Secured Credit Card Min Deposit of $49, $99 or $200
    • One-Time Fees None
    • Regular Rate 24.9% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, with all the credit building benefits
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • It’s a credit card accepted at millions of locations worldwide
    • See All Reviews & Details About The Capital One® Secured MasterCard®
    3 2,894 reviews

    Credit One Bank® Credit Card with Gas Rewards


    credit one credit card
    • One-Time Fees None
    • Regular Rate 17.90% - 23.90% (V)*
    • Annual Fee $35 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Unlimited 1% cash back gas rewards
    • Rewards post to your account automatically each month.
    • Additional Info
    • Get Pre-Qualified without affecting your credit score
    • Automatic reviews for credit line increase opportunities
    • Zero fraud liability protects you from unauthorized charges
    • *Cash Advance Fee: Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
    • See All Reviews & Details About The Credit One Bank® Credit Card with Gas Rewards
    3 294 reviews

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 9.99%
    • Annual Fee $49
    • Monthly Fee None
    • Minimum Credit Bad
    3 104 reviews

    Primor® Secured Visa Classic Credit Card


    primor credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 13.99%
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 1,892 reviews

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.5% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Build Your Credit, with monthly updates to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Extra Credit When You Need It, increase your credit line up to $5000.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Easy funding options, with 4 ways to fund and NO checking account needed.
    • After your Account is open for one year or more Capital Bank will charge you a Credit Limit Increase Fee of $25.00 each time you add Deposit Funds and increase the Credit Limit and a Credit Limit Decrease Request Fee of $25.00 each time you request a reduction in your Credit Limit.
    • Apply in less than 5 minutes.
    • See All Reviews & Details About The Open SkySM Secured Visa® Credit Card
    3 1,424 reviews

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Select MasterCard® Secured Credit Card
    3.5 773 reviews

    First Progress Platinum Elite MasterCard® Secured Credit Card


    platinum secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 19.99% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Elite MasterCard® Secured Credit Card
    3 568 reviews

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress mastercard secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    • Annual Fee $44
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Deposit held at FDIC-insured bank.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Prestige MasterCard® Secured Credit Card
    3 411 reviews

    Milestone Gold MasterCard® Credit Card


    milestone credit card
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    • Annual Fee $35-$99*
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Quick pre-qualification available with no impact to your credit score
    • Fast and easy instant decision
    • Choose your custom card design - Free
    • Free online account access
    • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
    • Accepted at over 35 Million Locations Worldwide!
    • Previous bankruptcy OK
    • *Dependent on credit worthiness
    • See All Reviews & Details About The Milestone Gold MasterCard® Credit Card
    3.5 130 reviews

    USAA Secured Cards® American Express® Card


    usaa secured credit card
    • Secured Credit Card Min Deposit of $250
    • One-Time Fees None
    • Regular Rate 9.9% - 19.9% (V)
    • Annual Fee $35
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • It’s a real credit card that helps you build or improve your credit score.
    • The card is secured by an interest-earning CD that you establish and is guaranteed to grow
    • Your credit can improve when you avoid going over your limit and make payments on time
    • Retail and Travel Benefits: Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
    • Security: Zero liability coverage for unauthorized transactions if your card is lost or stolen
    • Special Benefits for Military: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 9.90% and 19.90% will apply. This rate will vary with the market based on the prime rate
    • Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account
    • See All Reviews & Details About The USAA Secured Cards® American Express® Card
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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    Community Discussion

    Ask a question or help others find the best poor credit by sharing some tips.

     
    Jun 29, 2015
    By:
    The best credit cards are secure ones. Having more security on the card will prevent fraudulent charges and will make a person have a lesser chance of being a victim of identity theft. Since one already has bad credit, it's best to try to stay away from problems relating to your credit if one has an unsecure one. For instance, if you have an unsecure card, one is more likely to become a victim of theft. One's credit score will take a beating until the problem is sorted out by the credit card company. Sometimes one's credit score will never be cleared because of the identity issue.

    I know my parents had their credit card stolen and it was fixed about 6 months later. By then, their credit score lost 50 points and was irreversible because of fraudulent charges.
    Jun 12, 2015
    By:
    Secured credit cards would be better for people who have bad credit. You need to show creditors that you are responsible with money. The way a secured credit card works is you have to put money into your credit card before you can use it. I would recommend the Capital One® Secured MasterCard. There is no annual or monthly fee and the minimum deposit can be as low as $49.
    Jun 9, 2015
    By:
    Honestly, secured credit cards are much better than unsecured credit cards. Having a credit card requires lots of responsibility and taking the necessary precautions to protect your information is vital. This is why having a secured credit card is superior to the having an unsecured credit card. The most important thing is using the credit card responsibly.
    Jun 9, 2015
    By:
    If you are trying to fix your credit I would recommend a secured card. Typically the cards that will approve you while your credit is in poor status bury you in fees. Those can include high start-up fees, high annual fees and even monthly charges.
    Better deals can be had by opening an account as this poses lower risk to the creditor and is typically passed on to the customer by giving you more favorable terms.
    Jun 19, 2015
    Photo of Tryce S.
    Do you have any particular cards in mind?
    Jun 2, 2015
    By:
    I have tried to get a credit card and my score is not good how can I fix it
    Jun 3, 2015
    Photo of Card H.
    You may want to put down a deposit on a secured credit card. As long as you pay your bill on time, positive information will begin to be relayed to the major credit bureaus each month, thus gradually devaluing the negative records currently in your files.

    You can learn more in our guides to Credit Improvement (http://www.cardhub.com/edu/improve-credit-score/) and Bad Credit (http://www.cardhub.com/edu/bad-credit-guide/).
    May 31, 2015
    By:
    I have real bad credit I owe a few companies and some went to collections I'm looking to improve my credit and see if theires is any credit cards i can be able to get and qualify for
    May 31, 2015
    By:
    Personally, my first credit card in like 5 years is from Credit One. It is categorized as a "BAD CREDIT" card in terms of credit score. They approved me with a 530 credit score and I was so very gracious for this and the credit limit was $400 and after two months of on time payments they increased my credit limit to $600. The card has gas rewards when you buy fuel. It also has an annual fee. Interest is what you can expect but they are fair and I havent had any issues with them at all. They gave me a bigger line of credit than Capital One did so thats a good thing. I had never heard of this particular bank but the fees werent real over the top. Very happy with this card so far.
    Jun 5, 2015
    Photo of Meme B.
    What's the name of it?
    May 28, 2015
    By:
    I got a secured credit card from Bank of America cause I built up some debt and needed help. The card was truly a godsend and it worked greatly for me. I was glad that it allowed me to get my credit back up to a good rate and made me feel a lot better about my future financial state of being. I like how you have to out the money into it up front.
    May 23, 2015
    By:
    If you have bad credit, you should get a secured credit card. This is a great way to improve your credit. The way it works is you have to put money up front into the card and then that would be your limit. This way, you can show creditors how responsible you are with money and you can improve your credit.
    May 22, 2015
    By:
    If you are trying to rebuild your credit I would recommend a secured credit card through Capital One. They have a great program where you put the money down on the card and whatever you put down on it is what your credit limit or line is. You then make payments like you would with a credit card and then over time once you build trust they will increase your credit line and take it off of the secured. It gives you the flexibility of a real credit card at the same time reports to the 3 major credit bureaus.
    May 7, 2015
    By:
    I attempted using the "bad credit" credit cards to build my credit but it did not help. When considering such an option as a credit card you must take into account the fact that you must know you will have the money to pay the debt you will incur. Credit card use should be taken seriously and no matter how many cards you get if you cannot make the payments sufficiently it will hurt more than it will help. Take into account your income, job stability and the economy as well before applying.
    May 6, 2015
    By:
    having a secured card can improve my credit?
    May 20, 2015
    Photo of Jake F.
    Assuming you pay off the balance every month. Yes
    May 21, 2015
    Photo of Card H.
    Yes, secured cards report information to the major credit bureaus on a monthly basis and can therefore help you improve your credit standing -- as long as you pay your bill on time and avoid maxing out your card.
    Apr 20, 2015
    By:
    When I was first building up my nonexistent credit, I was looking for ways to do that without taking out a loan and making payments with interest. I was able to get an unsecured card instead from my bank, and with paying that off in full every month, it was really easy to boost up my credit score. So when I had to get an apartment or a loan for a car, I was finally able to without paying higher interest rates for having such a low credit score. I'd highly recommend it.
    Mar 24, 2015
    By:
    I was trying to buy my first home and our realtor suggested that I get a card to improve my credit score. My credit limit was not very high but after using the card, paying on it and being responsible with it, my credit score went up. This of course did not happen over night, it took almost two years for it to get to a safe place where banks even considered my application for a home. It also allowed me to get other types of cards for stores like JC Penny, Target, etc.
    Mar 8, 2015
    By:
    Can u get a credit card with credit limit with a credit score of 505 an no checking or savings account
    Mar 9, 2015
    Photo of Ana M.
    You can apply for a secured credit card, in which case you won’t need a checking or savings account. With secured credit cards, you are required a minimum security deposit and your line of credit is equal to the deposit.
    May 20, 2015
    Photo of Jake F.
    Usually they require a bank account to transfer the deposit though don't they?
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