Credit Cards for Poor or Limited Credit Ratings

Find a credit card for a credit history that needs improvement in this section. Expect high rates and no rewards. Try to reach a goal of getting fair credit or better to open new possibilities. CreditWeb determines poor credit for people who's FICO scores are less than 600. 1

Top Credit Cards Found.



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Advertiser Disclosure *

First PREMIER® Bank Credit Card

  • Checking Account Required
  • Monthly reporting to the major Consumer Reporting Agencies
  • Access your credit account by phone 24/7 all year round
  • Issued by FDIC-insured First PREMIER® Bank
  • Acceptance at millions of locations worldwide, including online purchases (subject to available credit)
  • If you have less-than-perfect credit, we may approve you when others won't
  • Only you can build a good credit history. 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. 
  • No security deposit required
  • Application response in as little as 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 1
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
First PREMIER® Bank MasterCard® Credit Card

  • Must have checking account to qualify
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • Apply for your next credit card account with First PREMIER Bank
  • More than 15 years of credit card experience
  • Application response in 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 3
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Credit One® Platinum Visa® Credit Card

  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Surge MasterCard®

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
First PREMIER® Bank Classic Credit Card

  • Must have checking account to qualify
  • Paying your minimum payment on time each month and keeping your balance low relative to your limit will provide your credit report with positive marks on a monthly basis
  • Reports your credit history to the major Consumer Reporting Agencies
  • Featuring new peace-of-mind chip technology
  • Don't be fooled by debit and prepaid offers - this is a real credit card offer
  • Apply for a credit card today - Get a response today!
  • Secure online application keeps your information confidential
  • Application response in as little as 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 1
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Total VISA® Unsecured Credit Card

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
First PREMIER® Bank Gold Credit Card

  • Have a checking account? Apply today!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report
  • Reports your credit history to the major Consumer Reporting Agencies
  • A Gold credit card offer for those with less than perfect credit
  • Go for the Gold! Apply now!
  • A manageable credit limit can help you stay in control
  • Now featuring chip card technology that's more secure
  • Application response in 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: Be the first to write one
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Matrix MasterCard® Credit Card

  • All credit types welcome to apply!
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results are provided online!
  • Monthly reporting to the 3 major credit bureaus
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: Be the first to write one
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
PREMIER Forward® MasterCard® Credit Card

  • Have a checking account? Apply today!
  • Monthly reporting to major Consumer Reporting Agencies.  Apply now!
  • Acceptance at millions of locations worldwide (subject to available credit)
  • First PREMIER Bank may approve you when other issuers will not
  • The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis. 
  • No security deposit required
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Application response in 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 3
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Credit One Bank® Platinum Visa® Credit Card

  • This is a fully unsecured credit card with no deposit requirement.
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Milestone® Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 2
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$35-$99 (varies by credit level)N/A*N/A*23.90% (Fixed)
Credit One Bank® Cash Back Rewards

  • See if you Pre-Qualify without harming your credit score.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking
  • And, you could receive credit line increase opportunities.


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Credit One Bank® Unsecured Platinum Visa® Credit Card

  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • 1% cash back on gas & groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Indigo® Platinum MasterCard®

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*23.90% (Fixed)
Credit One Bank® Unsecured Visa® Credit Card

  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
  • Flexible payment date to assist you in making your payments on time.


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 2
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
If you have a poor or limited credit rating, we recommend that you examine all rates and fees before applying. Poor credit histories are usually viewed as high risk for credit card issuers, resulting in higher fees to compensate their extra cost.
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