Credit Cards for Poor or No Credit

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




Show as Table? Order:
Advertiser Disclosure 1

Featured
PCB Secured Visa®
SSL
Directly with Plains Commerce Bank

Compare

PCB Secured Visa®

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • 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 by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.


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
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
SSL
Directly with Merrick Bank

Compare

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

  • Credit lines range from $500-$1,350 which double to $1,000-$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 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, 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
$0-$72 N/A* N/A 19.45% to 28.45% *Variable
First PREMIER® Bank Secured Credit Card
SSL
Directly with First PREMIER® Bank

Compare

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 all your bills 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
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.

**Build credit by keeping your balance low and paying all your bills 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*
Total VISA® Unsecured Credit Card
SSL
Directly with Total Visa

Compare

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)
  • Multiple card designs available
  • 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
Revvi Card
SSL
Directly with MRV Banks

Compare

Revvi Card

  • Fast and easy application; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Don’t need perfect credit to apply
  • See Rates & Fees


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
$75 1st year, $48 after N/A* See website for Details* 34.99%
Applied Bank® Secured Visa® Gold Preferred® Credit Card
SSL
Directly with Applied Bank

Compare

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%
Destiny Mastercard®
SSL
Directly with Genesis FS Card Services

Compare

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
SSL
Directly with Capital Bank N.A.

Compare

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)
Merrick Bank Secured Visa® from Merrick Bank
SSL
Directly with Merrick Bank

Compare

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
Oakstone Gold Secured Mastercard®
SSL
Directly with Synovus Bank

Compare

Oakstone Gold Secured Mastercard®

  • Credit lines available from $200 to $5,000! Low 13.99% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Gold Secured Mastercard® details


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: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$39* N/A* N/A* 13.99% (Variable)*
Applied Bank® Unsecured Classic Visa® Card
SSL
Directly with Applied Bank

Compare

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%
Kay Jewelers Credit Card
SSL
Directly with Comenity Bank

Compare

Kay Jewelers Credit Card

The Kay Jewelers Credit Card allows you to take advantage of various credit options while enjoying exclusive cardholder benefits. Everyday Financing Made Easy with the Kay Jewelers Credit Card.

  • 12 Months Special Financing: $500 minimum purchase and 20% down payment required. Down payment cannot be placed on the Kay Jewelers Credit Card.*
  • 36 Months Special Financing: $3,000 minimum bridal purchase made in store.*
  • A happy birthday offer to you! Treat yourself to something wonderful during your birthday month.
  • Cardholder's Anniversary: Celebrate with a special offer, just for you.
  • Easy entry in pediodic sweepstakes.


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 689 is considered limited credit. 2

Reviews: 41
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* N/A* 29.99% (Variable)*
The Overstock Store Credit Card
SSL
Directly with Comenity Bank

Compare

The Overstock Store Credit Card

  • Open & use it on your first purchase and Earn $30 in Rewards. Purchase must be made within 90 days of account opening without a promotional financing plan w/ minimum purchase of $300*.
  • 6, 12, 18, and 24-month financing options available on purchases of $249 for 6 months, $499 for 12 months, $1,499 for 18 months, and $1,999 for 24 months made with your Overstock Store Credit Card.*
  • Special promotions just for cardmembers
  • Store card ready to use instantly


Credit Needed:
Limited, Fair 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* N/A* 26.99% (Variable)*
Oakstone Platinum Secured Mastercard®
SSL
Directly with Synovus Bank

Compare

Oakstone Platinum Secured Mastercard®

  • Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Platinum Secured Mastercard® details


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: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$49* N/A* N/A* 9.99% (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.
Say Hi & Get in Touch


* See the online bank credit card application for details regarding terms and conditions for offers. When you click on the "Apply Now" button, CreditWeb Will connect you to the offer, then the page will be redirected in a few seconds.

1 Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditWeb receives compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. CreditWeb does not include all credit card companies or all card offers available in the marketplace. Please see the credit card application for details about the offer as well as the terms and conditions.

Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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

Copyright 2021 Credit Web. All rights reserved.