Reviews
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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.
- 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 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 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 received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.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
Our pick for doubling your cash back
- 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.49% - 28.49% (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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.49% - 28.49% (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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, 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
- Security Deposit No security deposit
- Rewards Rate Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
- Credit Limit Up to $1000 Credit Limit
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
- Security Deposit No security deposit
- Rewards Rate Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
- Credit Limit Up to $1000 Credit Limit
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Good 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® MasterCard® Credit Card
- 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 Limited / Poor
- 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 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 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
- Rates & Fees 0% APR on purchases and no late fees or overdraft fees
- Build Credit & Savings When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Rewards Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
- Annual Fee From $4.99/month
- Credit Needed Limited
- Card Brand Mastercard®
- Rates & Fees 0% APR on purchases and no late fees or overdraft fees
- Build Credit & Savings When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Rewards Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
- Annual Fee From $4.99/month
- Credit Needed Limited
- Card Brand Mastercard®
Highlights
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Monitor your credit score right in the app
- Get an in-depth monthly credit report with Firstcard+ and Firstcard Premium
- Instant access to your virtual card once your account is approved and you add your virtual card to your phone’s digital wallet
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
- Disclosures
See additional details for Firstcard® Secured Credit Builder Card with Cashback
- Rewards Rate Up to 3% Cashback Reward
- Regular APR 29.99% or 36% Fixed
- Credit Line Up to $1,000 credit limit subject to credit approval
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
- Rewards Rate Up to 3% Cashback Reward
- Regular APR 29.99% or 36% Fixed
- Credit Line Up to $1,000 credit limit subject to credit approval
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* 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 VantageScore 4.0 score from TransUnion®†
- *See Program Terms for important information about the cash back rewards program.
- ** Prequalify means that you authorize us to make a soft inquiry (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 Reward Card
- Easy Transfers Link your account at PayPal to a PayPal Prepaid Mastercard. Transferred funds available for use through your PayPal Prepaid Card Account at no-cost.
- Rewards Rate Take advantage of PayPal cash back rewards and earn on qualifying purchases from select merchants.
- Companion App Check your Card Account balance, see transaction information, and more.
- Annual Fee Plan fee is $4.95 monthly.
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Easy Transfers Link your account at PayPal to a PayPal Prepaid Mastercard. Transferred funds available for use through your PayPal Prepaid Card Account at no-cost.
- Rewards Rate Take advantage of PayPal cash back rewards and earn on qualifying purchases from select merchants.
- Companion App Check your Card Account balance, see transaction information, and more.
- Annual Fee Plan fee is $4.95 monthly.
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- Move money from your PayPal account to fund your prepaid card account.
- Earn cash back and personalized offers, just for using your card.
- With Direct Deposit, you can get paid faster than a paper check.
- Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
- Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
See additional details for PayPal Prepaid Mastercard®
- 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
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *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
- Get Approved Fast Quick and Easy Secure Online Application
- Rewards Rate 1% Cash Back
- Ongoing Purchase APR 35.99%*
- Annual Fee See Terms*
- Credit Needed Poor / Fair
- Card Brand Visa®
- Get Approved Fast Quick and Easy Secure Online Application
- Rewards Rate 1% Cash Back
- Ongoing Purchase APR 35.99%*
- Annual Fee See Terms*
- Credit Needed Poor / Fair
- Card Brand Visa®
Highlights
- Earn 1% cash back rewards on payments made to your First Access Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See First Access Rewards Programs Terms & Conditions for details
See additional details for First Access VISA® Credit Card
- 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®
- 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
- 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®
- 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 27.74% Variable APR.
- Rates and Fees No annual fee, no late fee on your first late payment. 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 27.74% Variable APR.
- Rates and Fees No annual fee, no late fee on your first late payment. 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.
- Raise your credit score by 30+ points.
- 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.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- 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
- 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 14.74% (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 14.74% (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
- 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
- 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
- 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
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Regular APR 9.99% Low Fixed APR
- No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
- Annual Fee $48
- Credit Needed Limited / Poor
- Card Brand Visa®
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Regular APR 9.99% Low Fixed APR
- No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
- Annual Fee $48
- Credit Needed Limited / Poor
- Card Brand Visa®
Highlights
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000.
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
See additional details for Applied Bank® Secured Visa® Gold Preferred® Credit Card
- Purchase APR 25.14% (variable)
- Build Credit Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- Flexible Due Date Choose the due date that fits your schedule with flexible payment dates
- Annual Fee $35
- Credit Needed Poor
- Card Brand Visa®
- Purchase APR 25.14% (variable)
- Build Credit Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- Flexible Due Date Choose the due date that fits your schedule with flexible payment dates
- Annual Fee $35
- Credit Needed Poor
- Card Brand Visa®
Highlights
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
See additional details for OpenSky® Secured Visa® 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 18.74% (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 18.74% (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
- 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
- Rewards Rate 1% Cash Back
- Monthly Fee None 1st year, $8.25 after
- Activation Fee $95*
- Annual Fee $75.00 1st year, $48.00 after*
- Credit Needed Poor / Fair
- Card Brand Visa®
- Rewards Rate 1% Cash Back
- Monthly Fee None 1st year, $8.25 after
- Activation Fee $95*
- Annual Fee $75.00 1st year, $48.00 after*
- Credit Needed Poor / Fair
- Card Brand Visa®
Highlights
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Perfect credit not required
- $300 credit limit (subject to available credit)
- Checking account required
- Opportunity to request credit limit increase after twelve months, fee applies
- *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 1.5% 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 a $200 initial credit line.
- Regular Purchase APR 29.99% (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 a $200 initial credit line.
- Regular Purchase APR 29.99% (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 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
- Establish credit No hard credit pull. No credit score required.
- Reports to all three credit bureaus Helps build your credit history with positive use
- Control your credit limit Your savings progress from your Credit Builder Account secures your credit card and sets your limit. Have an active Credit Builder Account in good standing, make at least 3 monthly payments, have $100 or more in savings progress and satisfy income requirements. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check.
- Annual Fee $25
- Credit Needed Poor
- Card Brand Visa®
- Establish credit No hard credit pull. No credit score required.
- Reports to all three credit bureaus Helps build your credit history with positive use
- Control your credit limit Your savings progress from your Credit Builder Account secures your credit card and sets your limit. Have an active Credit Builder Account in good standing, make at least 3 monthly payments, have $100 or more in savings progress and satisfy income requirements. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check.
- Annual Fee $25
- Credit Needed Poor
- Card Brand Visa®
Highlights
- Open a path to a secured credit card
- No hard credit pull. No credit score required.
- Start with a Credit Builder Account* that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings.
- Backed by savings you’ve already built. Your savings progress from your Credit Builder Account secures your credit card and sets your limit. Have an active Credit Builder Account in good standing, make at least 3 monthly payments, have $100 or more in savings progress and satisfy income requirements. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check.
- Stay on track with credit utilization monitoring, autopay, account reminders, an app, and dedicated customer support
- No additional money upfront**
- Micro-pay your way to the deposit***
- *Credit Builder Account — proceeds are held in a deposit account until maturity.
- **Your Credit Builder Account savings progress secures your card and sets your limit.
- ***Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.
- The secured Self Visa® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details.
- The secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
See additional details for Secured Self Visa® 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*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing you’re protected against 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.
See additional details for Upgrade Triple Cash Rewards Visa®
- 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 Fair
- 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 Fair
- 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
- 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
- Rebuild Credit 2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
- Security Deposit Make smaller partial payments towards funding your security deposit over 60 days
- Flexible Due Dates Choose any available due date that fits your payment schedule
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Visa®
- Rebuild Credit 2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
- Security Deposit Make smaller partial payments towards funding your security deposit over 60 days
- Flexible Due Dates Choose any available due date that fits your payment schedule
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Visa®
Highlights
- New feature! Earn up to 10% cash back* on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
See additional details for OpenSky® Plus Secured Visa® Credit Card
- 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
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Mobile app to access your account anytime, anywhere
- 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.
See additional details for Upgrade Select Visa®
- Widely Accepted Use your card anywhere MasterCard is accepted
- Build Credit Reports to all 3 credit bureaus
- No Annual Fee No annual fee, no penalty APR and no deposit required
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Widely Accepted Use your card anywhere MasterCard is accepted
- Build Credit Reports to all 3 credit bureaus
- No Annual Fee No annual fee, no penalty APR and no deposit required
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- No annual fee or hidden fees
- No security deposit or program fee required.
- Use your card anywhere MasterCard is accepted.
- Enjoy $0 liability on unauthorized purchases.
- Access to a virtual card upon approval for instant spending.
- See if you're pre-qualified without impacting your credit score. If you choose to complete your application, a hard credit pull will be conducted which may impact your credit score.
- Build your credit history: reports to all 3 credit bureaus.
- MasterCard ID Theft Protection: dark web monitoring and alerts on compromised information.
- Sleek mobile app: access your account from your mobile device 24/7.
- Terms and Conditions may apply. The Zable Card from Zendable Cards, LLC is issued by Continental Bank.
See additional details for Zable MasterCard® 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.
