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

Merrick Bank Double Your Line® Mastercard®

Annual Fee

$0-$72

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

22.45% to 30.70% *Variable

Credit Needed

See website for Details*

Rewards

None

Applicants may apply for the Mail Offer by visiting: www.doubleyourline.com

  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 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 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 available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Apply Now

Merrick Bank Double Your Line® Secured Credit Card

Credit Line

$200, which doubles to $400 if you qualify

Cash Advance APR

25.45% Variable

Annual Fee

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

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

20.45% Variable

Credit Needed

See website for Details*

Rewards

None

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • 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. We report your payment history to all three major credit-reporting agencies.
  • 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 available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Apply Now

Merrick Bank Secured Credit Card

(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

20.45% 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. We report your payment history to all three major credit-reporting agencies.
  • 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 available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

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