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!

Apply Now

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Regular APR

9.99% Fixed

Annual Fee

$48

Credit Line

$200 – $1,000

Brand Name

Visa®

Security Deposit

$200 – $1,000

Credit Recommended

Poor/Fair/Limited/Damaged

  • 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
  • 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

Apply Now

Applied Bank® Unsecured Classic Visa® Card

Annual Fee

See website for Details*

Late Payment Fee

Up to $38

Return Payment Fee

Up to $38

Regular APR

29.99%

Card Brand

Visa®

Credit Recommended

Poor/Damaged Credit

  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM’s and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won’t Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments

Apply Now

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

Apply Now

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.

Apply Now

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

Apply Now

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

Net First Platinum

Annual Fee

None

Credit Line

$750 Limit (Usable only at TheHorizonOutlet.com)

Monthly Fee

See website for Details*

Regular APR

0% APR

Balance Transfer

None

Credit Recommended

Damaged credit to Fair credit

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

Apply Now

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

Reflex® Platinum Mastercard®

Annual Fee

See Terms

Intro Rate

N/A*

Intro Period

N/A*

Regular APR

29.99% APR (Variable)

Credit Recommended

Fair/Poor/Bad/Limited

Balance Transfer

N/A

  • 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

Apply Now

Surge® Platinum Mastercard®

Annual Fee

See website for Details*

Intro Rate

See website for Details*

Intro Period

See website for Details*

Regular APR

29.99% APR (Variable)

Late Payment Fee

Up to $41.00

Return Payment Fee

Up to $41.00

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • 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
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

Apply Now