Credit Cards for Poor Credit
The cards featured below will very often come with a tendency to feature a very unique assortment of conveniences and perks. Unlike the market climate generally reserved for high demand cards intended for those with exceptionally well versed credit histories, these cards will often maintain the convenience of being exceptionally easy to apply for, with quick response rates after applying, consistent rates of reporting to major consumer reporting agencies, flexible synchronization with your existing checking account, and more-- all perfect factors to keep in mind when focusing on your credit.
Read ahead for our rundown of the best Low Credit or Poor Credit credit card offers and deals that we can find. Taking advantage of some of the featured credit card applications below can prove to be an ideal way to build up credit history by making on time payments. Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month. Not certain about any of the credit card offers listed below? No problem-- check out any of the card profiles listed below to read over an assortment of user and professional reviews regarding the offer's ups and downs, and you'll be making an informed credit decision in no time.
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Total Visa® Card
- 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
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit, Limited Credit | Consumer | See Terms* | N/A | N/A | 35.99%* | None | 2 |
AccountNow® Prepaid Mastercard®
- $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
- No Credit Check or ChexSystems check
- Instant account number
- Free† direct deposit — paycheck, benefit checks, tax refund checks
- Easy 24/7 online account access
- Earn Refer-a-Friend cash bonus
- Use it everywhere Mastercard Debit card accepted
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit | Debit | up to $9.95 monthly fee | N/A | N/A | N/A | None | 1 |
AccountNow® Prepaid Visa® Card
- $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
- No Credit Check. No Overdraft Fees, ever.
- Free† direct deposit and online bill payment
- Use it Everywhere Visa Debit Card Accepted in the U.S.
- Easy Online/Mobile Account Access
- Perfect for Occasional Usage
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit | Debit | $0 | N/A | N/A | N/A | None | Be the first to write one |
Revenued Business Card
- Earn 3% cash back on every single card purchase
- No monthly or annual fees while using your Revenued Business Card
- No minimum credit score to get approved. Business revenue determines your spending availability
- Earn $500 after spending $5,000 within your first 3 months of being a cardholder
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit, Good Credit | Business | $0* | N/A | N/A | N/A* | Cash Back | Be the first to write one |
Reflex® Platinum Mastercard®
- 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 Rates & Fees
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit, Poor Credit | Consumer | $75 - $125 | N/A | N/A | 35.90% Fixed | None | Be the first to write one |
Revvi Card
- 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 Rates & Fees
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit, Fair Credit | Consumer | See Terms* | N/A | N/A | 35.99%* | Cash Back | Be the first to write one |
OpenSky® Secured Visa® Credit Card
- 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
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit, Poor Credit | Secured | $35 | N/A | N/A | 24.64% (variable) | None | Be the first to write one |
Kay Jewelers Credit Card
Express Your Love Your Way. Enjoy Zero Down Special Financing* on purchases of $300 or more with the KAY Jewelers Credit Card issued by Comenity Bank.
Nothing Should Get in the Way of Love. Use your KAY Jewelers Credit Card and select a Special Financing* plan that works best for you.
- 6 Months Special Financing: $300 minimum purchase*
- 12 Months Special Financing: $750 minimum purchase*
- 18 Months Special Financing: $3000 minimum purchase*
- 36 Months Special Financing: $1,500 minimum purchase*
- Treat yourself to something wonderful during your birthday month with $100 off.*
- Cardholder's Anniversary: Celebrate with a special offer, just for you with $100 off.*
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit, Limited Credit | Consumer | $0* | N/A | N/A | See Terms* | None | 41 |
Masseys Credit
- See if you are pre-qualified instantly, without affecting your credit score
- Less than perfect credit is okay
- Credit lines up to $500
- Payments as low as $5.99 per month (subject to final credit approval)
- Automatic reviews for credit line increase opportunities
- Buy now, pay later! One stop shopping for name brand shoes, apparel and more!
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit, Fair Credit, Limited Credit | Consumer | $0* | N/A | N/A | See Terms* | None | Be the first to write one |
Merrick Bank Secured Credit Card
- 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.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Average Credit, Poor Credit | Secured | $36 for first year. Billed $3 per month thereafter | N/A | N/A | 22.70% Variable | None | Be the first to write one |
