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® Unsecured Credit Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly 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 See Terms* N/A N/A See Terms* None 2

ACE Flare™ Account by MetaBank®

  • Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.
  • With qualifying Direct Deposit, you can open an optional Savings Account and earn up to 6.00% APY.
  • Have your payroll or government benefits checks direct deposited to your Flare Account and get paid up to 2 days faster.
  • As an accountholder, earn 0.01% APY on funds in your Flare Account.
  • When you make a purchase with the Pink debit card for the ACE FlareTM Account by MetaBank®, we'll make a donation to the National Breast Cancer Foundation - join us in the fight!
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit Debit See Terms* N/A N/A See website for Details* None Be the first to write one

FIT Mastercard®

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required
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 Be the first to write one

JCPenney Credit Card®

  • Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases*
  • 15% OFF* select apparel, shoes, accessories, fine jewelry, salon products, furniture & mattresses, home, and in-home custom design; or save 5% on select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches & Tempur-Pedic
  • Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Fair Credit Consumer $0* N/A N/A 25.99% Fixed* Store 59

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

Buckle Credit Card

  • 10% off your first Buckle Credit Card purchase*
  • Earn a $10 B-Rewards card for every $300 spent on merchandise with your Buckle Card during a B-Rewards period*
  • Exclusive mailings and special offers
  • Special Birthday Rewards*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Consumer $0* N/A N/A 24.99% (Variable)* Store 10

GapCard

  • Save 20% and free shipping on your first purchase with the GAP card
  • Extra 10% Everyday, every time you shop at Gap and Gap Factory stores
  • Access to special events with exclusive discounts
  • A special birthday gift
  • Bonus Point shopping days
  • No receipt neccesary for returns
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Consumer $0* N/A N/A 27.49% (Variable)* Store 13

AEO™ Credit Card

  • 30% off your first AEO Connected credit card purchase*
  • Free standard shipping
  • Earn 1 Point per $15 spent*
  • 2500 points = $10 reward*
  • 20% off birthday coupon*
  • Buy 5 jeans get 1 free
  • Buy 5 bras get 1 free
  • Personal shopping day coupon
  • 6 cardholder events each year
  • Mobile phone and online account management
  • $0 fraud liability
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Poor Credit Consumer $0* N/A N/A 27.49% (Variable)* Store 7

Old Navy Credit Card

  • Enjoy 20% off your first Old Navy Card purchase*
  • View & redeem Rewards with one click
  • Track points to your next Reward & tier status
  • Access your earned offers & more
  • Earn points when you make a purchase at our family of brands, in-store and online. Then, redeem your Rewards at any Gap Inc. brand
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Consumer $0* N/A N/A 27.49% (Variable)* Store 14
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