If you fall in the category of poor credit rating, once again we advise you to take a thorough look at the fees and rates before submitting the application. Individuals with poor credit histories are taken as high risk by credit card companies hence they charge these individuals with higher fees and rates to balance the extra costs.

It is imperative that the Poor credit scorers must set achievable goals to increase their credit. According to The Crediters poor credit scorers are individuals with FICO score below 600.

It absolutely in no way means that poor credit scorers are out of the race for credit cards. They simply need a guided smart approach using any of the credit cards listed above which are specifically designed for such individuals.

Credit Card companies do not see the poor credit scorers with high regard instead they view them as high risk candidates. This essentially means that they will be charged high fees and rates however they still have offers that can be availed.

Card Issuers have designed multiple offers allowing poor credit scorers to increase their score as well as maintain a good credit history. However the low rates and rewards are something they cannot opt for but can avail online account access and flexible payment options along with a few other perks.

Do not dishearten yourself if you have poor credit, take advantage of our Compare Tool and compare all the above cards to shortlist the best offers for you.

ACE Flare™ Account by MetaBank®

Annual Fee

See website for Details*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

See website for Details*

Credit Needed

Poor, Limited

Rewards

None

  • When you make a purchase with the Pink debit card for the ACE Flare™ Account by MetaBank®, we’ll make a donation to the National Breast Cancer Foundation – join us in the fight!

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Fingerhut Credit Account

(1 customer review)

Annual Fee

None

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

See website for Details*

Credit Needed

Poor, Limited

Rewards

Store

  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card

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First Access Visa® Card

(1 customer review)

Annual Fee

See Terms*

BT Intro APR

N/A

Purchase Intro APR

N/A

Regular APR

See Terms*

Credit Needed

Poor

Rewards

None

  • 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
  • $300 credit limit (subject to available credit)
  • Checking Account Required
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

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First Digital Mastercard®

Annual Fee

$75.00 for first year After that, $48.00 annually

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

35.99%

Credit Needed

Fair, Poor

Rewards

None

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC

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First PREMIER® Bank Secured Credit Card

(1 customer review)

Annual Fee

See Terms*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

See Terms*

Credit Needed

Poor, Average

Rewards

N/A*

  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. 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.
  • 24-hour online access, set up account alerts, and schedule automatic payments!
  • Quarterly FICO score is provided for free on the monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Security Deposits are placed in an FDIC-insured account
  • If approved, fund your Security Deposit to open your account.  Once open, you will have the opportunity to build your credit limit up to $5,000.
  • If approved, your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
  • Application response in as little as 30 seconds.
  • Issuing credit cards since 1989.
  • Join millions of First PREMIER Bank credit cardholders.  Apply now!

Apply Now

Merit Platinum Card

Annual Fee

See website for Details*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

0% APR

Credit Needed

Poor, Limited

Rewards

None

  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check

Apply Now

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

The Platinum Visa credit card from Merrick Bank helps people that are new to credit or have fallen on hard financial times to build or rebuild their credit. Merrick Bank reports to the three major credit reporting agencies (Experian, TransUnion, Equifax). With responsible use, customers can increase their credit score. Merrick provides FICO® Scores each month at no cost, no penalty rates/over limit fees or other hidden fees. The Double Your Line™ feature is activated when customers use and make at least their minimum payment for the first 7 months the account is open. After payments are made, the increase is automatic.

Annual Fee

$0-$72

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

19.45% to 28.45% *Variable

Credit Needed

See website for Details*

Rewards

None

  • Credit lines range from $500-$1,250 which double to $1,000-$2,500 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC

Apply Now

Merrick Bank Secured Visa® from Merrick Bank

(1 customer review)

Annual Fee

$36 for first year. Billed $3 per month thereafter

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

17.45% Variable

Credit Needed

See website for Details*

Rewards

None

  • 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

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NetSpend® Visa® Prepaid Card

Annual Fee

See website for Details*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

N/A

Credit Needed

Poor,Limited

Rewards

None

  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click “Get My Card ” for full details.
  • See additional NetSpend® Prepaid Visa® details.

Apply Now

Total Visa® Card

(1 customer review)

Annual Fee

See Terms*

BT Intro APR

N/A

Purchase Intro APR

N/A

Regular APR

See Terms*

Credit Needed

Fair, Poor

Rewards

None

  • 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

Apply Now