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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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Build Credit Reports to all three major credit bureaus
- Higher Credit Limits Tap into your vehicle equity to get higher limits at affordable rates. $4,400 average credit limit - up to $10,000
- APRs 29.88% fixed on Purchases, Balance Transfers, and Cash Advances
- Annual Fee $40
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Build Credit Reports to all three major credit bureaus
- Higher Credit Limits Tap into your vehicle equity to get higher limits at affordable rates. $4,400 average credit limit - up to $10,000
- APRs 29.88% fixed on Purchases, Balance Transfers, and Cash Advances
- Annual Fee $40
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Earn 1.5% unlimited cash back on card purchases every time you make a payment.
- Yendo works like a regular Mastercard but taps into your vehicle equity to get higher limits at affordable rates
- $4,400 average credit limit - up to $10,000
- Submit an application with photos of your vehicle and receive an instant decision
- See if you Pre-Qualify in minutes without harming your credit score - all credit scores welcome to apply
- Looking to build or rebuild your credit? We report to the 3 major credit bureaus monthly
- Get a virtual card instantly after approval - simple and fast application
- Add to your mobile wallet and make purchases today using Apple Pay, Samsung Pay and Google Pay
- Accepted everywhere in the US where you see the Mastercard logo - in store, online, and in app
- Fraud coverage if your card is lost or stolen - access your account 24 hours a day, 7 days a week
- No cash deposits
See additional details for Yendo Vehicle Equity Mastercard®
- Faster Payments When you Direct Deposit to your Netspend Card, you could get paid up to 2 days faster.*
- Rewards Earn cash back for many of your every day purchases and get personalized offers, just for using your Card.*
- Companion App Check your Card Account balance, see transaction information, and more.*
- Annual Fee See Terms*
- Credit Needed Limited / Poor
- Card Brand Visa®
- Faster Payments When you Direct Deposit to your Netspend Card, you could get paid up to 2 days faster.*
- Rewards Earn cash back for many of your every day purchases and get personalized offers, just for using your Card.*
- Companion App Check your Card Account balance, see transaction information, and more.*
- Annual Fee See Terms*
- Credit Needed Limited / Poor
- Card Brand Visa®
Highlights
- With Direct Deposit, you can get paid faster than a paper check.
- No late fees or interest charges because this is not a credit card.
- Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
- Card use is subject to activation and ID verification. Terms and Costs apply.
- Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
- See additional NetSpend® Prepaid Visa® details.
See additional details for NetSpend® Visa® Prepaid Card
- Same Day Approval Get a Response in Seconds
- Build Your Credit Reports to all Three Major Credit Bureaus
- Regular Purchase APR 35.99%*
- Annual Fee See Terms*
- Credit Needed Poor / Fair
- Card Brand Visa®
- Same Day Approval Get a Response in Seconds
- Build Your Credit Reports to all Three Major Credit Bureaus
- Regular Purchase APR 35.99%*
- Annual Fee See Terms*
- Credit Needed Poor / Fair
- Card Brand Visa®
Highlights
- An initial credit limit Up To $500! (See terms*)
- Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
- Checking account required.
- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
See additional details for Total VISA® Credit Card
- Flex Line Includes flex line, similar to a line of credit and only pay for what you use
- Rewards Rate N/A
- No Fees No application, annual or draw fees
- Annual Fee N/A
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
- Flex Line Includes flex line, similar to a line of credit and only pay for what you use
- Rewards Rate N/A
- No Fees No application, annual or draw fees
- Annual Fee N/A
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
Highlights
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
- Rated Excellent on Trustpilot with 800+ reviews
See additional details for Revenued Business Card
- Security Deposit No security deposit
- Rewards Rate 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases.
- Fraud Protection $0 fraud liability**
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Fair
- Card Brand Mastercard®
- Security Deposit No security deposit
- Rewards Rate 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases.
- Fraud Protection $0 fraud liability**
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
See additional details for Fortiva® Cash Back Rewards Mastercard
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- 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 at least 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 may be 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
- Rewards Rate 1% Cash Back
- Purchase APR 35.99%*
- Program Fee $95*
- Annual Fee See Terms*
- Credit Needed Poor / Fair
- Card Brand Visa®
- Rewards Rate 1% Cash Back
- Purchase APR 35.99%*
- Program Fee $95*
- Annual Fee See Terms*
- Credit Needed Poor / Fair
- Card Brand Visa®
Highlights
- An initial credit limit Up To $500 (See terms*)
- Earn 1% Cash Back Rewards^^ on payments made to your Revvi Credit Card!
- Opportunity to request credit limit increase after twelve months, fee applies.
- Fast and easy application process.
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ^^See Revvi Rewards Programs Terms & Conditions for details
See additional details for Revvi Card
- Rewards Rate 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
- Purchase APR 29.49%* Variable
- Build Credit This unsecured card requires no deposit and can help build your credit
- Annual Fee $75 for the first year. After that, $99 annually ($8.25 per month)
- Credit Needed Poor / Fair
- 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 29.49%* Variable
- Build Credit This unsecured card requires no deposit and can help build your credit
- Annual Fee $75 for the first year. After that, $99 annually ($8.25 per month)
- Credit Needed Poor / Fair
- 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
Our pick for doubling your cash back
68,965 users have viewed this card in the last 30 days.
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.24% - 28.24% (Variable)
- Annual Fee $0
- Credit Needed Fair / Good / Excellent
- Card Brand Mastercard®
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.24% - 28.24% (Variable)
- Annual Fee $0
- Credit Needed Fair / Good / Excellent
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
See additional details for Citi Double Cash® Card
- Rewards Rate 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Regular APR 36% Fixed
- Credit Line Up to $1,000 credit limit subject to credit approval
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Fair
- Card Brand Mastercard®
- Rewards Rate 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Regular APR 36% Fixed
- Credit Line Up to $1,000 credit limit subject to credit approval
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
See additional details for Aspire® Cash Back Rewards Mastercard
- Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
- Mobile Access Access your account online or from your mobile device 24/7
- Build Credit Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee See terms
- Credit Needed Fair / Good
- Card Brand Mastercard®
- Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
- Mobile Access Access your account online or from your mobile device 24/7
- Build Credit Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee See terms
- Credit Needed Fair / Good
- Card Brand 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®
- Purchase APR 24.64% (variable)
- Build Credit Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Flexible Due Date Pick a due date that works for you
- Annual Fee $35
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
- Purchase APR 24.64% (variable)
- Build Credit Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Flexible Due Date Pick a due date that works for you
- Annual Fee $35
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
Highlights
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Secured Visa® Credit Card
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from Experian* (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 $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from Experian* (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 $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Reflex® Platinum Mastercard®
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. After that, late fee up to $41 applies. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. After that, late fee up to $41 applies. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
Highlights
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- 30 points or more—that’s how much you could increase your FICO® Credit Score on average after just six months of responsible use.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
See additional details for Discover it® Secured Credit Card
- Fees & Deposit $175 - $199 annual fee, no security deposit required
- Custom Card Design Pick from multiple card designs at no extra charge*
- Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee $175 - $199
- Credit Needed Poor / Fair
- Card Brand Mastercard®
- Fees & Deposit $175 - $199 annual fee, no security deposit required
- Custom Card Design Pick from multiple card designs at no extra charge*
- Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee $175 - $199
- Credit Needed Poor / Fair
- Card Brand Mastercard®
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Mastercard® for Less than Perfect Credit
- 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 Limited / Poor / Fair / Good
- 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 Limited / Poor / Fair / Good
- 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®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get at least a $200 initial credit line.
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get at least a $200 initial credit line.
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- 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
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- For Capital One products listed on this page, some of the benefits may be 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 Quicksilver Secured Cash Rewards 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 first year. Billed $3 per month thereafter
- Credit Needed Limited / Poor
- 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 first year. Billed $3 per month thereafter
- Credit Needed Limited / Poor
- 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
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 35.99%
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 35.99%
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- 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
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
See additional details for AvantCard Credit Card
Our pick for unlimited cash back on payments
- Regular Purchase APR 14.99% - 29.99% APR
- Annual Fee $0
- Rewards Rate Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- Annual Fee $0
- Credit Needed Fair / Good
- Card Brand Visa®
- Regular Purchase APR 14.99% - 29.99% APR
- Annual Fee $0
- Rewards Rate Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- Annual Fee $0
- Credit Needed Fair / Good
- Card Brand Visa®
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere Use your card anywhere
- Visa is accepted Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
See additional details for Upgrade Triple Cash Rewards Visa®
- Improve Your Credit Score Free Credit Bureau Reporting
- Get A Fresh Start A discharged bankruptcy in your credit file will not cause you to be declined
- Regular Purchase APR 14.24% (V)
- Annual Fee $49
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Get A Fresh Start A discharged bankruptcy in your credit file will not cause you to be declined
- Regular Purchase APR 14.24% (V)
- Annual Fee $49
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line Initial credit line of $200 - $2,000 with the ability to increase up to $5,000 over time
- Regular Purchase APR 18.24% (V)
- Annual Fee $39
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line Initial credit line of $200 - $2,000 with the ability to increase up to $5,000 over time
- Regular Purchase APR 18.24% (V)
- Annual Fee $39
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card
- Rebuild Credit 2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Security Deposit Spread your security deposit over 60 days with layaway
- Flexible Due Dates Pick a due date that works for you
- Annual Fee $0
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
- Rebuild Credit 2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Security Deposit Spread your security deposit over 60 days with layaway
- Flexible Due Dates Pick a due date that works for you
- Annual Fee $0
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
Highlights
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Plus Secured Visa® Credit Card
- Get The Line You Deserve We automatically review your account for a Credit Line Increase after 6 months!
- No Surprises No monthly maintenance fees, No set up fees, No security deposit!
- Safe & Secure $0 fraud liability if your card is lost or stolen – our U.S. based Customer Care team is here for you.
- Annual Fee $75
- Credit Needed
- Card Brand Mastercard®
- Get The Line You Deserve We automatically review your account for a Credit Line Increase after 6 months!
- No Surprises No monthly maintenance fees, No set up fees, No security deposit!
- Safe & Secure $0 fraud liability if your card is lost or stolen – our U.S. based Customer Care team is here for you.
- Annual Fee $75
- Credit Needed
- Card Brand Mastercard®
Highlights
- Let's Grow Together!
- Credit line up to $1,500 – *most receive $350; some higher
- In as little as 6 months you may get a credit line increase by making on-time payments and keeping your account in good standing
- Don’t worry if you don’t have perfect credit, let’s work to rebuild together!
- Skip the mail and apply easily and securely online
- 24/7 on-the-go account access with our free mobile app
See additional details for Blaze Mastercard® Credit Card
- 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 Limited / Poor / Fair
- 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 Limited / Poor / Fair
- 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 lenders
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
- 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 Checking Account2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. The secured Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- *No interest: Out of network ATM withdrawal fees may apply. See here for details.1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.2 To apply for Credit Builder, you must have an active Chime® Checking Account.3 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
See additional details for Secured Chime Credit Builder Visa® Credit Card
- Credit Limit Up to $1,000 Credit Limit Subject to Credit Approval
- Purchase & BT APRs 36% Fixed on purchases and balance transfers
- Security Deposit No Security Deposit
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Poor / Fair
- Card Brand Mastercard®
- Credit Limit Up to $1,000 Credit Limit Subject to Credit Approval
- Purchase & BT APRs 36% Fixed on purchases and balance transfers
- Security Deposit No Security Deposit
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Poor / Fair
- Card Brand Mastercard®
Highlights
- Cell Phone Protection* – Receive up to $800 of replacement or repair costs if eligible cell phone is stolen or damaged.
- 24-hour Roadside Assistance*
- Up to $25,000 Identity Theft Expense Reimbursement Coverage*
- Up to $1,000 Credit Limit Subject to Credit Approval
- No Security Deposit
- See if You Prequalify Instantly
- $0 Fraud Liability*
- *Terms and Conditions apply. Click Apply Now for details.
See additional details for Aspire® Protect Mastercard
- Welcome Offer $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- APRs 21.96% -29.99% on purchases and balance transfers
- Annual Fee $39
- Annual Fee $39
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
- Welcome Offer $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- APRs 21.96% -29.99% on purchases and balance transfers
- Annual Fee $39
- Annual Fee $39
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Combine the flexibility of a card with the predictability of a personal loan
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
- See if you qualify in seconds with no impact to your credit score
- No touch payments with contactless technology built in
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
See additional details for Upgrade Select Visa®
*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.
