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
- 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
| 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 |
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- 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
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit | Secured | $48 | N/A | N/A | 9.99% Fixed | None | Be the first to write one |
First Access Visa® Card
- 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
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit | Consumer | See Terms | N/A | N/A | 35.99%* | Cash Back | 1 |
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 |
Destiny Mastercard®
- 24/7 access to your account, even on mobile!
- Accepted nationwide, wherever Mastercard is accepted
- Account history is reported to the three major credit bureaus in the U.S
- All the benefits of a Mastercard, without a security deposit
- An opportunity to build and access credit
- An unsecured Mastercard for less than perfect credit
- Fraud Protection* from unauthorized charges
- Keeping your account in good standing may help establish and/or improve your credit history
- Multiple card designs to choose from, no extra charge
- Responsible use and on time payment history can begin your financial future on the right track
- Simple and fast application process
- Quick and easy application process with a typical decision in 60 seconds or less
- $700 Credit Limit
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit, Good Credit | Consumer | See Terms* | N/A | N/A | See Terms* | 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 |
Milestone® Mastercard®
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Reports to all three major credit bureaus
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit | Consumer | $35 - $99* | N/A | N/A | 24.9% | None | Be the first to write one |
Stoneberry Credit
- See if you are pre-qualified instantly, without affecting your credit score
- Less than perfect credit is okay
- Credit lines up to $1,000
- Payments as low as $5.99 per month
- Automatic reviews for credit line increase opportunities
- Buy now, pay later! One stop shopping for bedding, kitchenware, electronics, jewelry 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 |
Reflex® Platinum Mastercard®
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit, Poor Credit | Consumer | See Terms | N/A | N/A | 29.99% APR (Variable) | None | Be the first to write one |
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