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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First PREMIER® Bank Credit Card

  • Checking Account Required
  • Monthly reporting to the major Consumer Reporting Agencies
  • Access your credit account by phone 24/7 all year round
  • Issued by FDIC-insured First PREMIER® Bank
  • Acceptance at millions of locations worldwide, including online purchases (subject to available credit)
  • If you have less-than-perfect credit, we may approve you when others won't
  • 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. 
  • No security deposit required
  • Application response in as little as 30 seconds
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer See Terms* N/A N/A See Terms* None 2

First PREMIER® Bank MasterCard® Credit Card

  • Must have checking account to qualify
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • Apply for your next credit card account with First PREMIER Bank
  • More than 15 years of credit card experience
  • Application response in 30 seconds
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer See Terms* N/A N/A See Terms* None 4

First PREMIER® Bank Gold Credit Card

  • Have a checking account? Apply today!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report
  • Reports your credit history to the major Consumer Reporting Agencies
  • A Gold credit card offer for those with less than perfect credit
  • Go for the Gold! Apply now!
  • A manageable credit limit can help you stay in control
  • Now featuring chip card technology that's more secure
  • Application response in 30 seconds
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer See Terms* N/A N/A See Terms* None Be the first to write one

Total VISA® Unsecured Credit Card

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!  
  • No-Fee credit line increase opportunities!
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer See Terms* N/A N/A See Terms* None 2

Surge Mastercard®

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit Consumer See Terms* N/A N/A See Terms* None 1

PREMIER Forward® MasterCard® Credit Card

  • Have a checking account? Apply today!
  • Monthly reporting to major Consumer Reporting Agencies.  Apply now!
  • Acceptance at millions of locations worldwide (subject to available credit)
  • First PREMIER Bank may approve you when other issuers will not
  • The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis. 
  • No security deposit required
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Application response in 30 seconds
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer See Terms* N/A N/A See Terms* None 3

First PREMIER® Bank Classic Credit Card

  • Have a checking account? This is one requirement
  • Paying your minimum payment on time each month and keeping your balance low relative to your limit will provide your credit report with positive marks on a monthly basis
  • Reports your credit history to the major Consumer Reporting Agencies
  • Featuring new peace-of-mind chip technology
  • Don't be fooled by debit and prepaid offers - this is a real credit card offer
  • Apply for a credit card today - Get a response today!
  • Secure online application keeps your information confidential
  • All services are handled in the heart of the United States
  • Application response in as little as 30 seconds
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer See Terms* N/A N/A See Terms* None 4

Credit One Bank® Cash Back Credit Card

  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Consumer $0 - $99 N/A N/A 16.99% - 24.99% Variable Cash Back (Special) Be the first to write one

The First Access Visa® Credit Card

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
  • You may be eligible for a Credit Line Increase after six months
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Consumer See Terms* N/A N/A See Terms* None 1

Credit One Bank® Unsecured Visa® Credit Card

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Consumer $0 - $99 N/A N/A 16.99% - 24.99% Variable Cash Back (Special) 2
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