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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 5,177 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 24.99% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • 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 More Details & Reviews About The Capital One® Secured MasterCard®
    3 3,693 reviews

    Credit One Bank® Visa® with Credit Line Increase Reviews


    credit one credit card
    • One-Time Fees None
    • Regular Rate 15.65% - 24.15% (V)
    • Annual Fee $0 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
    • Additional Info
    • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
    • See if you're Pre-Qualified in less than 60 seconds.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • Flexible payment date to assist you in making your payments on time.
    • Grace Period: 0 or 24 Days (see terms)
    • See More Details & Reviews About The Credit One Bank® Visa® with Credit Line Increase Reviews
    3 683 reviews

    Primor® Secured Visa Gold Credit Card


    primor secured visa gold 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
    3.5 212 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 2,438 reviews

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.64% (V)
    • Annual Fee $35
    • 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 More Details & Reviews About The Open SkySM Secured Visa® Credit Card
    3 1,570 reviews

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress platinum select mastercard
    • Secured Credit Card Min Deposit of $200
    • 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 $200 - $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 More Details & Reviews About The First Progress Platinum Select MasterCard® Secured Credit Card
    3.5 884 reviews

    First Progress Platinum Elite MasterCard® Secured Credit Card


    first progress platinum elite mastercard
    • Secured Credit Card Min Deposit of $200
    • 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 $200 - $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 More Details & Reviews About The First Progress Platinum Elite MasterCard® Secured Credit Card
    3 619 reviews

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress platinum prestige mastercard secured credit card
    • Secured Credit Card Min Deposit of $200
    • 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 $200 - $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 More Details & Reviews About The First Progress Platinum Prestige MasterCard® Secured Credit Card
    3.5 83 reviews

    First Access Visa Card


    first access visa card
    • One-Time Fees $89
    • Regular Rate 29.99% (V)
    • Annual Fee $75 1st yr, $48 after
    • Monthly Fee None 1st year, $6.25 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Access credit even if you have poor or limited credit history
    • Quick and Easy Secure Online Application
    • A genuine VISA card accepted by merchants nationwide
    • Get a response in as little as 60 seconds!
    • Reporting to 3 major credit bureaus
    • Apply today! If approved Access your credit after paying a one-time processing fee.
    • Reports monthly to all three major credit bureaus
    • See More Details & Reviews About The First Access Visa Card
    3.5 1,126 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 More Details & Reviews About The Milestone Gold MasterCard® Credit 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.

     
    Nov 12, 2015
    By:
    I think that it is better for people with bad credit to get an unsecured credit card if they are able to qualify for one. A secured card is a good way to build your credit if you are unable to qualify for an unsecured card. Having to put a large deposit down can lead to having a small amount open on your card and can be hard to pay off quickly.
    Nov 12, 2015
    By:
    I would recommend a secured card for someone with bad credit. A close friend of mine had some bad credit due to health issues. He went with a secured card because it afforded him the ability to make easy payments , build his credit , and not over charge it. An unsecured card should only be used for dire situations.
    Dec 28, 2015
    Photo of Timothy P.
    I already have a secured card and an unsecured card
    Nov 9, 2015
    By:
    As another poster has mentioned, I would recommend using a secured card that has the potential to graduate to an unsecured card. As long as you have the capital to invest, a secured card could end up providing you with a larger credit line than you otherwise would have been eligible for. Also, there are some secured credit cards that don't actually report as secured; which could give your credit rating a slight boost. If you're rebuilding, or just beginning to build you credit, I definitely recommend starting with a secured card over the likes of cards designed for those with "bad credit;" these cards have insanely high interest rates, and more fees than you count on 2 hands.
    Oct 27, 2015
    By:
    Is it possible to get a credit card with poor credit without paying a security deposit?
    Oct 30, 2015
    Photo of Card H.
    Yes, it is possible, but we don’t recommend it unless you truly need access to an emergency line of credit. So-called unsecured credit cards for bad credit tend to charge prohibitive fees without offering much spending power in return. Nevertheless, you can check them out here: http://www.cardhub.com/credit-cards/bad-credit-unsecured/ .

    If you’re mainly interested in a way to build credit, you may want to reconsider your stance on security deposits. You’ll get the full amount back if you close your account with no balance, and the presence of this deposit is the reason why you can find secured cards with no annual fee. You can compare secured cards here: http://www.cardhub.com/credit-cards/secured/ . Hope this helps.
    Oct 22, 2015
    By:
    The Capital One Secured MasterCard is the best card for bad credit in my personal opinion. The fact that the minimum deposit for a card like this is only $49 is perfect for people who are on a budget, and the lack of an annual and monthly fee is an absolute godsend for those who are watching their money each and every month.
    Oct 19, 2015
    By:
    I think that a secured credit card would be better for people than a unsecured credit card. With a secured credit card you can have a limit that is what you put on there. That's money that you deposit. It is reported as credit though so that could help build credit I guess. I have unsecured credit cards though because I don't have the money to make a deposit.
    Oct 6, 2015
    By:
    I feel as if a secured card that has the potential to become unsecured is the best option for people who have bad credit and are actively seeking to improve their credit. It leaves less risk for the person and the company and gives them an opportunity to learn the skill of managing their money. The card that I would recommend isn't on here, but if you have the opportunity to get the secured card from Discover, I recommend it. It has the best options available with a fairly low APR.
    Oct 5, 2015
    By:
    I think a person with bad credit should only use secured credit. Its very hard for people with bad credit to get a credit card at least this will give them a chance to better their credit history and work their way back up to a unsecured credit card.
    Sep 28, 2015
    By:
    Things are very expensive. I am looking for a credit card that is not prepaid and has no down payment.
    Oct 11, 2015
    Photo of Card H.
    Unfortunately, you’ll likely have to choose between expensive and a security deposit. Secured cards tend to be far cheaper for credit building because the deposit that you place is refundable (you’ll get back the full amount, minus any unpaid balances, when you close your account) and it protects issuers enough against the threat of not being repaid that they don’t need to charge high fees. Unsecured credit cards for bad credit, on the other hand, tend to be quite pricey in a non-refundable sense precisely because they do not necessitate a deposit.

    Pretty much the only time you should use an unsecured credit card for bad credit is if you need an emergency loan. Most secured cards are ill-suited to that task because the spending limits they provide are usually equal to the amount of your deposit. So, if you absolutely need an unsecured card, the Credit One Visa (http://www.cardhub.com/d/credit-one-credit-card-676c/) is a decent option. But if you don’t, an offer like the Capital One Secured Card would save you more money in the long run.
    Sep 27, 2015
    By:
    Getting an unsecured credit card is really hard for people with bad credit, but I think they are the best way to go. You can easily get a secured credit card if you make a deposit on it. The best thing about an unsecured credit card is that it will impact your credit more than a secured card.
    Sep 27, 2015
    By:
    To me, unsecured credit cards are the best for a bad credit history. I have had bad credit when my house was foreclosed on, and had very bad credit. I feel so much more comfortable with the unsecured card, compared to the other. I know that with unsecured cards, I don't even have to put down a deposit. Its also pretty convenient that I can make a payment any time that I want to. I think it is way more convenient than secured cards. It basically has less of a risk than secured cards, and that is the best part.
    Sep 12, 2015
    By:
    Based on experience I would recommend an unsecured credit card with a low interest rate AND low initial credit limit as the best choice for someone who has bad credit.
    As others have said, many folks with bad credit can't afford to put a chunk of money down in advance. If they could do that, they would simply be paying cash. Also, secured credit cards do not impact your credit history the same way that correctly managing a traditional card. The goal for everyone should be to have as good a credit rating as possible. The best way to do that is with on time payments (preferably in full) with a traditional unsecured credit card.
    Sep 12, 2015
    By:
    Based on experience I feel that a secured credit card company is best for people that have had bad credit. Less of a risk for the company and less of a risk for the consumer that is using the credit card. I think it is best for people to put money down, I think they manage their credit card use better while they are realizing it is their money that will be lost if they don't pay on it anymore. And at the same time they can earn having good credit back based of their timely payments made each month. I actually prefer a secured card.
    Sep 11, 2015
    By:
    I put a hurting on my credit right after getting out of college. It took me a long time to work through it and get myself back into a good financial condition. For that reason I do not like having a credit card but I feel it is a necessity to have one if an emergency happens. So I keep it deep in my wallet and use will power to keep it there. I use a debit card for all my purchases otherwise.
    Sep 6, 2015
    By:
    If you have bad credit, I think the better choice is to get a secured credit card. Your initial deposit may take some saving up, but overall it is easier to get approved when you have a deposit. The deposit can help you learn to manage your finances better, because it limits what you can spend to what you have. As your credit score improves, you can put in additional funds to increase your spending limit. A secured credit card will not only be a lesson in money management, but also help rebuild your credit profile overall.
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