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.
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
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
First Access Visa® Card
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
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!
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
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.
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