Credit Cards for Poor Credit Ratings

If you have a poor 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. Expect high rates and no rewards. Try to reach a goal of earning fair credit or better to open new possibilities. CreditWeb determines poor credit for people who's FICO scores are less than 600. 1

Featured Credit Cards Found.



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First PREMIER® Bank Credit Card
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Directly with First PREMIER® Bank

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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: 2
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
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First PREMIER® Bank MasterCard® Credit Card
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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
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First PREMIER® Bank Gold Credit Card
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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
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First PREMIER® Bank Classic Credit Card
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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
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Surge Mastercard®
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Directly with Celtic Bank

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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
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Total VISA® Unsecured Credit Card
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Directly with Mid America Bank & Trust Company

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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
  • Select your favorite card design from our gallery, for free!  
  • No-Fee credit line increase opportunities!


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: 2
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
PREMIER Forward® MasterCard® Credit Card
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Directly with First PREMIER® Bank

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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
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Credit One Bank® Cash Back Credit Card
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Credit One Bank® Cash Back Credit Card

  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply


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/AN/A16.74% - 24.74% Variable
Credit One Bank® Unsecured Visa® Credit Card
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Directly with Credit One Bank

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Credit One Bank® Unsecured Visa® Credit Card

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.


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

Reviews: 2
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/AN/A16.74% - 24.74% Variable
The First Access Visa® Credit Card
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Directly with Mid America Bank & Trust Company

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The First Access Visa® Credit Card

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
  • You may be eligible for a Credit Line Increase after six months
  • 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
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7


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

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
Credit One Bank® Platinum Visa®
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Directly with Credit One Bank

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Credit One Bank® Platinum Visa®

  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due


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/AN/A16.74% - 24.74% Variable
Credit One Bank® Unsecured Platinum Visa®
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Directly with Credit One Bank

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Credit One Bank® Unsecured Platinum Visa®

  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Show off your style with a premium card design, a fee may apply.


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

Reviews: 2
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/AN/A16.74% - 24.74% Variable
Official NASCAR® Credit Card from Credit One Bank®
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Directly with Credit One Bank

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Official NASCAR® Credit Card from Credit One Bank®

  • Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
  • $0 Fraud Liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Choose your monthly payment due date for added convenience, terms apply
  • Accounts are automatically reviewed for credit line increases, a fee may apply
  • Get free access to your credit score online


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
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/AN/A17.15% - 24.65% Variable
Do you have poor credit? How about no credit, or a limited credit rating? If so, it doesn't mean you're out of luck in regards to applying for a credit card. Instead, you simply need to alter your approach.

Credit card issuers do not look favorably upon consumers with poor or no credit. Instead, they view people in these categories as high risk. While this typically means higher rates and fees, it's good to know that there are offers available.

There are several high level offers to help boost your credit score and/or grow your credit history. Even though low rates and reward programs are typically off the table, you can still find a secured or unsecured credit card with online account access, flexible payment options (choose your due date), and other perks.

Even if you're struggling with poor credit, this shouldn't stop you from searching for, comparing, and applying for a credit card.
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