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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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Credit Cards for Poor Credit
- Even with poor credit, you can still get a credit card.
- These cards are ideal if you are looking to build or rebuild your credit or if you’re starting from a low credit score.
- Read our independent ratings and reviews and apply with our secure online application process
See offers from our partners below.
How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Secured Credit Card
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 29.99%
- Annual Fee $59
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 29.99%
- Annual Fee $59
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Checking your eligibility does not affect your credit score
See additional details for AvantCard Credit Card
- No Security Deposit All the benefits of a Mastercard, without a security deposit
- Easy Access 24/7 access to your account, even on mobile!
- Build Credit Reports to all three major credit bureaus
- Annual Fee See terms
- Credit Needed Good/Fair/Poor/Limited
- Card Brand Mastercard®
- No Security Deposit All the benefits of a Mastercard, without a security deposit
- Easy Access 24/7 access to your account, even on mobile!
- Build Credit Reports to all three major credit bureaus
- Annual Fee See terms
- Credit Needed Good/Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
See additional details for Destiny Mastercard®
Highlights
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
See additional details for Milestone Mastercard®
- Same Day Approval Get a Response in Seconds
- Build Your Credit Reports to all Three Major Credit Bureaus
- Regular Purchase APR See Terms
- Annual Fee See Terms
- Credit Needed Fair/Poor
- Card Brand Visa®
- Same Day Approval Get a Response in Seconds
- Build Your Credit Reports to all Three Major Credit Bureaus
- Regular Purchase APR See Terms
- Annual Fee See Terms
- Credit Needed Fair/Poor
- Card Brand Visa®
Highlights
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
See additional details for Total VISA® Credit Card
- Get Approved Fast Quick and Easy Secure Online Application
- VISA Access Enjoy VISA benefits and acceptance
- Ongoing Purchase APR See Terms
- Annual Fee See Terms
- Credit Needed Fair/Poor
- Card Brand Visa®
- Get Approved Fast Quick and Easy Secure Online Application
- VISA Access Enjoy VISA benefits and acceptance
- Ongoing Purchase APR See Terms
- Annual Fee See Terms
- Credit Needed Fair/Poor
- Card Brand Visa®
Highlights
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
See additional details for First Access VISA® Credit Card
- Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
- Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Annual Fee $75.00 for first year. After that, $48.00 annually
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
- Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
- Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Annual Fee $75.00 for first year. After that, $48.00 annually
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Build up your Credit with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application – it just takes moments to apply. Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Issued by Synovus Bank, Member: FDIC
See additional details for First Digital NextGen Mastercard® Credit Card
- Build Credit Monthly reporting to the three major credit bureaus
- Worldwide Use Use your card wherever Mastercard is accepted
- Easy Application Process All credit types welcome to apply
- Annual Fee See website for Details*
- Credit Needed Fair/Poor
- Card Brand Mastercard®
- Build Credit Monthly reporting to the three major credit bureaus
- Worldwide Use Use your card wherever Mastercard is accepted
- Easy Application Process All credit types welcome to apply
- Annual Fee See website for Details*
- Credit Needed Fair/Poor
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
See additional details for Surge® Platinum Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 14.99% (V)
- Annual Fee $49
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 14.99% (V)
- Annual Fee $49
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- Earn 1% Cash Back Rewards on payments!
- No minimum credit history or credit score required.
- Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus.
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card
- Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
- Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
- Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Annual Fee See Terms
- Credit Needed Fair/Poor
- Card Brand Mastercard®
- Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
- Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
- Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Annual Fee See Terms
- Credit Needed Fair/Poor
- Card Brand Mastercard®
Highlights
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
See additional details for FIT® Platinum Mastercard®
- Strengthen Your Credit Free, online credit score access for cardholders.
- Regular APR 26.99 - 29.99% Variable
- Credit Line Increase Get a higher credit line if you're in good standing after making your first 6 payments on time.
- Annual Fee $59
- Credit Needed Fair
- Card Brand Visa®
- Strengthen Your Credit Free, online credit score access for cardholders.
- Regular APR 26.99 - 29.99% Variable
- Credit Line Increase Get a higher credit line if you're in good standing after making your first 6 payments on time.
- Annual Fee $59
- Credit Needed Fair
- Card Brand Visa®
Highlights
- See if you qualify instantly without harming your credit score.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- Instant decision on your application.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- If you are charged interest, the charge will be no less than $0.50.
See additional details for Mission Lane Visa® Credit Card
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee See Terms
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee See Terms
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- See if you’re Pre-Qualified with no impact to your credit score
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
See additional details for Reflex® Platinum Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line
- Regular Purchase APR 18.99% (V)
- Annual Fee $39
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line
- Regular Purchase APR 18.99% (V)
- Annual Fee $39
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card
- Annual Fee $75 1st year, $48 after
- Monthly Fee None 1st year, $8.25 after
- Activation Fee $95*
- Annual Fee $75 1st year, $48 after
- Credit Needed Fair/Poor
- Card Brand Visa®
- Annual Fee $75 1st year, $48 after
- Monthly Fee None 1st year, $8.25 after
- Activation Fee $95*
- Annual Fee $75 1st year, $48 after
- Credit Needed Fair/Poor
- Card Brand Visa®
Highlights
- Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Fast and easy application; response provided in seconds
- $300 credit limit (subject to available credit)
- Build your credit score with on-time payments and keeping your balance below the credit limit
- Opportunity to request credit limit increase after twelve months, fee applies
- Checking account required
- Reports monthly to all three major credit bureaus
- Manageable monthly payments
- Perfect credit not required
- Easy-to-use mobile app for management on the go!
*See rates, fees, costs and limitations for additional details and Revvi Rewards Program Terms & Conditions for details^^
See additional details for Revvi Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 24.99% (V)
- Annual Fee $29
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 24.99% (V)
- Annual Fee $29
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
See additional details for First Progress Platinum Elite Mastercard® Secured Credit Card
- Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
- Fraud Liability $0 fraud liability for unauthorized charges.
- Worldwide Acceptance Use it anywhere Mastercard is accepted.
- Annual Fee $36 for the first year. Billed $3 per month thereafter.
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
- Fraud Liability $0 fraud liability for unauthorized charges.
- Worldwide Acceptance Use it anywhere Mastercard is accepted.
- Annual Fee $36 for the first year. Billed $3 per month thereafter.
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
See additional details for Merrick Bank Secured Credit Card
- Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
- Purchase APR 28.74% Variable
- Build Credit This unsecured card requires no deposit and can help build your credit
- Annual Fee $75/$99
- Credit Needed Fair/Poor
- Card Brand Visa®
- Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
- Purchase APR 28.74% Variable
- Build Credit This unsecured card requires no deposit and can help build your credit
- Annual Fee $75/$99
- Credit Needed Fair/Poor
- Card Brand Visa®
Highlights
- See if you Pre-Qualify without harming your credit score
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Free Online Credit Score and Credit Report summary, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
See additional details for Credit One Bank® Platinum Visa® for Rebuilding Credit
- Build your credit history Your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Annual Fee $0
- Interest & fee free cash withdrawals Interest & fee free cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Annual Fee $0
- Credit Needed Fair/Poor/Limited
- Card Brand Visa®
- Build your credit history Your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Annual Fee $0
- Interest & fee free cash withdrawals Interest & fee free cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Annual Fee $0
- Credit Needed Fair/Poor/Limited
- Card Brand Visa®
Highlights
- No annual fees or interest, no credit check to apply, and no minimum security deposit required3
- Help increase credit score by an average of 30 points1
- View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders5
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments4
- Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
- Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Spending Account and receive a qualifying direct deposit of $200 or more2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
*For more information about Chime and how Credit Builder works, click here.
See additional details for Chime Credit Builder Visa® Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Credit Cards for Bad Credit History
So called “bad credit” credit cards are especially designed credit cards for people with bad credit, low credit, or no credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with limited scrutiny of your finances, debts, and poor credit history.
Some bad credit credit cards require that the cardholder make a payment deposit into their card account which is then used as collateral or security against any charges to the card. This is a standard prepayment process, and you basically set your own credit limit based on how much money you keep in your account. But there are even some that require no security deposit or prepayment – although these cards usually make money from cardholders by charging high interest rates and fees due to the reduced creditworthiness of the cardholder.
For most people, the best credit card for bad credit will be one that charges reasonable fees in exchange for helpful features like online bill paying and financial management tools. Study the menu of fees to see how much you can expect to pay for using the card in the way to which you are accustomed. Another key fact area to consider will be whether or not the credit card company reports to the major credit bureaus on a regular basis. This type of regular reporting is the major building block toward credit report. After taking these aspects into consideration, pick a card that suits you and use it to build up your poor credit score by making on-time payments with all creditors and keeping account balances low relative to the credit limit. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.
Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
