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Credit Cards for Poor Credit

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Indigo® Platinum Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 38 Offer Ratings
Over the Past 60 Days!

(38) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

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  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

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Credit One Bank® Unsecured Visa® for Rebuilding Credit

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!
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on Credit One Bank's secure site

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  • Customize Your card Choose a design from our premium gallery
  • Rewards Rate 1% on eligible purchases, terms apply
  • Regular Purchase APR 17.99% to 23.99% Variable
  • Annual Fee $0-$99
  • Credit Needed Bad/Poor
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply

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Total VISA® Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!
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on Bank of Missouri's secure site

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  • Same Day Approval Get a Response in Seconds
  • Build Your Credit Reports to all Three Major Credit Bureaus
  • Regular Purchase APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair/Bad/Poor
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

See additional details for Total VISA® Credit Card

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.


Credit Cards for Bad Credit History

So called “bad credit” credit cards are especially designed credit cards for people with bad credit, low credit, or no credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with  limited scrutiny of your finances, debts, and poor credit history.

Some bad credit credit cards require that the cardholder make a payment deposit into their card account which is then used as collateral or security against any charges to the card. This is a standard prepayment process, and you basically set your own credit limit based on how much money you keep in your account. But there are even some that require no security deposit or prepayment – although these cards usually make money from cardholders by charging high interest rates and fees due to the reduced creditworthiness of the cardholder.

For most people, the best credit card for bad credit will be one that charges reasonable fees in exchange for helpful features like online bill paying and financial management tools. Study the menu of fees to see how much you can expect to pay for using the card in the way to which you are accustomed. Another key fact area to consider will be whether or not the credit card company reports to the major credit bureaus on a regular basis. This type of regular reporting is the major building block toward credit report. After taking these aspects into consideration, pick a card that suits you and use it to build up your poor credit score by making on-time payments with all creditors and keeping account balances low relative to the credit limit. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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