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Credit Cards for Poor Credit

4.0 4.0 - 4,084 reviews for top rated card

“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…show more

    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)
    Apply Now at issuer's secure site

    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)*
    Apply Now at issuer's secure site
    • 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).

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $49
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 9.99%
    Apply Now at issuer's secure site

    Primor® Secured Visa Classic 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%
    Apply Now at issuer's secure site

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $29
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 17.5% (V)
    Apply Now at issuer's secure site

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress secured credit card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $39
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    Apply Now at issuer's secure site

    First Progress Platinum Elite MasterCard® Secured Credit Card


    platinum secured credit card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $29
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 19.99% (V)
    Apply Now at issuer's secure site

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress mastercard secured credit card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $44
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    Apply Now at issuer's secure site

    Milestone Gold MasterCard® Credit Card


    milestone credit card
    • Annual Fee $35-$99*
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    Apply Now at issuer's secure site

    USAA Secured Credit Card


    usaa secured credit card
    • Secured Credit Card Min Deposit of $250
    • Annual Fee $35
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 9.9% - 19.9% (V)
    Apply Now at issuer's secure site

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    COMMUNITY DISCUSSION

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

     
    Feb 27, 2015
    By:

    --Comment from Arthur Krafve--

    Feb 27, 2015
    How do I get a card
    Feb 21, 2015
    By:

    --Comment from Blake Ford Hall--

    Feb 21, 2015
    I have had to rebuild my credit slowly over the last decade, due to my own mismanagement of it in the past. That is why have a chance at credit worthiness was possible, by using a credit card with a limit that I consistently paid off...this really helped build my reputation with the credit card bureaus, department stores and other local companies. I was able to get more lines of independent credit, by paying off limited credit card balances consistently. It really helped my bad credit predicament.
    Jan 8, 2015
    By:

    --Comment from Brad Alexander--

    Jan 8, 2015
    I have tried an unsecured card in past after struggling with bad debt for some time. I didn’t love the fees on the unsecured credit card, but I knew that once I got this card paid off, I could go back to a “normal” credit card and an improved situation. I think this a pretty effective strategy at building better credit.
    Jan 7, 2015
    By:

    --Comment from Anthony Rivas--

    Jan 7, 2015
    I don't have a high credit score nevertheless if you or whomever can help me and give me a chance id highly would appreciate it cause i really would like a second chance please
    Jan 12, 2015
    Photo of Terrance M.
    Jan 12, 2015
    Best way to increase your credit score is to try and apply for one of the cards on this page. Usually, your credit limit will be very limited, sometimes around $250-500. This is so the credit agency is not taking a big risk at all. Just use the card each month at least a few times and make sure to pay it off. Slowly, your credit score will rise, and within 1-2 years you'll be able to get a better credit card.
    Dec 18, 2014
    By:

    --Comment from Wendy Pollard--

    Dec 18, 2014
    After I got through my divorce, my credit really wasn't very good so went applied and was approved for a Capital One card that I was able to use to improve my credit score with. I started out with a $500 credit limit, I used that for fairly small purchases that I knew I would be able to afford to keep up with the payments and never maxed out the credit limit. After about 2 years of using the card and faithfully making monthly payments, my credit wasn't perfect, but it did show that I was responsible and was able to keep up on my monthly payments.
    Nov 30, 2014
    By:

    --Comment from Ivan Kuznetsov--

    Nov 30, 2014
    When I was younger I had phone bill that I never kept up with so I got sent to collections and it affected my credit score. I ended up using the Wells Fargo Secured Credit Card to help improve my score. I made sure to pay everything on time and within about a year my score went up.
    Feb 16, 2015
    Photo of Card H.
    Feb 16, 2015
    Great work! Any tips for people facing the same uphill struggle?
    Feb 16, 2015
    Photo of Joe W.
    Feb 16, 2015
    @Card Hub: I have one: set up automatic bill payments and automatic transfers to a savings account. It neutralizes forgetfulness and mandates saving. Just make sure to plan out what you can afford.
    Nov 22, 2014
    By:

    --Comment from Michael Morgan--

    Nov 22, 2014
    thank you for the help to repair my credit
    Nov 20, 2014
    By:

    --Comment from Jason Ibarra--

    Nov 20, 2014
    After being pretty irresponsible as a youth during college with the credit cards that I had, I found myself about 12k deep in debt that I never thought I would make my way out of. I worked hard and eventually was able to pay all of it off - but not after the damage to my credit was pretty bad. (in the 500's). My wife and I were hoping to buy a house and I knew rebuilding my credit would be key in making this seemingly impossible dream happen. I soon found out about the First PREMIER Bank MasterCard Credit Card which I was able to get approved for, despite my credit history. (At the time, I was making quite a large salary which definitely helped get me approved for it.) Apparently, secured cards aren't always the best route when it comes to rebuilding your credit score, so it seemed like a good choice.

    Sure, there are some fees associated with it, but after a short time of using it (making sure to pay the balance off every other month or so), my credit score soon found it's way back to life and we were able to finally get approved for a mortgage. There's no way that I would've been able to do this without that card. It might not be perfect for everyone, but for me, it was the key to rebuilding my credit, so I highly recommend that you look into getting one.
    Oct 14, 2014
    By:

    --Comment from Cayla Rossell--

    Oct 14, 2014
    I had a Capital One unsecured card that worked well for me. I was somewhat of a "prepaid" card in that there was a deposit. You used it as you would another credit card, but could only spend up to the amount you had deposited. It recorded similarly to traditional credit cards and significantly helped my credit when I was trying to build. After a couple of years, I withdrew the deposit and closed the card.
    Dec 8, 2014
    Photo of Cou P.
    Dec 8, 2014
    That sounds like a interesting idea I might look into. I only have one credit card at the moment and at times i get lost with all the technical terms the company uses. This seems like a pretty straight forward, easy to follow way to help build a credit line without being overly anxious.
    Sep 7, 2014
    By:

    --Comment from Sarah Malpass--

    Sep 7, 2014
    A few years ago i had a car loan that i did not keep up with that resulted in my credit going bad. I need a card in order to obtain a rental car. I looked into getting a secured card. It had been such a life saver. All i needed was the initial deposit and i was approved.
    Jul 29, 2014
    By:

    --Comment from Stephanie Collings--

    Jul 29, 2014
    I had an unsecured credit card to help with my credit but I didn't keep it very long because of the fees and interest rates. I used it consecutively for 3 months and then paid balance in full each month. This made my credit score go up and I was able to get another card within six months with a better rate
    Jul 13, 2014
    By:

    --Comment from Cindi Hounton--

    Jul 13, 2014
    I agree with others that a secured card is the way to go, but want to caution people about watching out for people who want to profit off of your bad credit. There are companies out there that will give you a secured credit card and you have to pay them to keep your money! When I had struggles with my credit I asked my local credit union, Rivermark Credit Union, and they offered me a secure card for free and paid me interest on the money I used to secure it. They said that if I made payments for 6 months they would turn it into an unsecured card. Twenty years later, I still have this card and it was a turning point for responsible credit use.
    Feb 16, 2015
    Photo of Ana M.
    Feb 16, 2015
    I’m really glad to hear about your success story! I think others will agree that it gives them heart in their fight to improve their credit. And, just to note, one of the great things about most secured cards is that they prevent issuers from having to take advantage of their customers to make money. The fact that you’re placing a security deposit means you won’t have to pay expensive fees for access to very little money. Secured cards are definitely the best way to rebuild credit.
    Jun 9, 2014
    By:

    --Comment from Tracy Bright--

    Jun 9, 2014
    When you have bad credit, getting a secured card is the best way to go. You can't possibly be late, since you have to have the money in the account to spend it. Therefore, the bank is more willing to work with you, and since you're always on time, they report it on your credit. It really is the best and the quickest way to rebuild your credit. This being the case, the deciding factor with a secured card should be how well they report. Some companies don't report as well, or as often, as they should. I have the Capital One secured mastercard, and have found that Capital One reports pretty well. I have yet to have an issue where they didn't report on time.
    May 26, 2014
    By:

    --Comment from Jill Sanders--

    May 26, 2014
    I used the capital one secured mastercard. This is great for anyone who has a less than perfect credit rating. The advantage of having a secured card is that you literally can never be past due. This helped me get my credit back on track after years of it being in the gutter. Essentially after getting this card your credit will start to improve as long as you keep the account open and make the payments (which is what the secured part is for), recommended for anyone.
    May 5, 2014
    By:

    --Comment from Adrian Hughes--

    May 5, 2014
    I got an offer in the mail for my Capital One credit card. Even though I had bad credit, I was looking to repair it so I went ahead and tried to get one. I was approved and have been using it carefully for just over 2 years now. My credit score is slowly but surely increasing.
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