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. 2




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PCB Secured Visa®
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Directly with Plains Commerce Bank

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PCB Secured Visa®

  • Upon credit approval, choose your initial collateral deposit between $200 and $1000; your credit limit will equal the collateral deposit amount.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit with responsible use.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score below 600 is considered poor credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Issuer Website N/A* N/A* See Issuer Website
Total VISA® Unsecured Credit Card
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Directly with The Bank of Missouri

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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
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score below 600 is considered poor credit. 2

Reviews: 2
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms N/A N/A See Terms
First PREMIER® Bank Secured Credit Card
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Directly with First PREMIER® Bank

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First PREMIER® Bank Secured Credit Card

  • HERE FOR YOU - NOW & IN THE FUTURE - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.* 
  • Reports to consumer reporting agencies help you monitor your financial progress to begin your credit building journey (build credit by keeping your balance low and paying on time every month)
  • MAKING A DIFFERENCE. TOGETHER - As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers
  • Use available credit for basics like gas and food when you need them
  • Courteous, caring customer service: that's what First PREMIER is all about
  • PREMIER puts control in your hands, just ask to be evaluated for a credit limit increase after 12 months
  • A refundable security deposit means you get your money back if you have a zero balance and the account is closed
  • 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

*Build credit by keeping your balance low and paying on time every month.


Credit Needed:
Poor, AverageCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
Destiny Mastercard®
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Directly with Genesis FS Card Services

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Destiny Mastercard®

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 699 is considered fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$59-$99 N/A* N/A* 24.9%
OpenSky® Secured Visa® Credit Card
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Directly with Capital Bank N.A.

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OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score between 645 and 689 is considered limited credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$35 N/A* N/A* 17.39% (variable)
Applied Bank® Secured Visa® Gold Preferred® Credit Card
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Directly with Applied Bank

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Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • 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
  • 9.99% 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


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$48 N/A* N/A* 9.99%
Applied Bank® Unsecured Classic Visa® Card
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Directly with Applied Bank

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Applied Bank® Unsecured Classic Visa® Card

  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All Three Major 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
  • 24/7 Online Account Access and Payment Options
  • E-mail Payment reminders help you keep your account in good standing


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 699 is considered fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See website for Details* N/A* N/A* 29.99%
Merrick Bank Secured Visa® from Merrick Bank
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Directly with Merrick Bank

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Merrick Bank Secured Visa® from Merrick Bank

  • 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$36 for first year. Billed $3 per month thereafter N/A N/A 17.45% 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, fee-based 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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