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Credit Cards for Poor Credit

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Capital One Platinum Secured Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) Over the Past 60 Days!
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on Capital One's secure site

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  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 26.99% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Bad
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

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Indigo® Platinum Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 11 Offer Ratings
Over the Past 60 Days!

(11) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

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  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • 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 $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

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AvantCard Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 21 Offer Ratings
Over the Past 60 Days!

(21) Over the Past 60 Days!
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on Avant's secure site

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  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 26.49%* Variable APR
  • 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

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*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.

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