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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Featured
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

  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. 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.
  • 24-hour online access, set up account alerts, and schedule automatic payments!
  • Quarterly FICO score is provided for free on the monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Security Deposits are placed in an FDIC-insured account
  • 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, your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
  • Application response in as little as 30 seconds.
  • Issuing credit cards since 1989.
  • Join millions of First PREMIER Bank credit cardholders.  Apply now!


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*
Featured
Kroger REWARDS Prepaid Visa® Card
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Directly with U.S. Bank

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Kroger REWARDS Prepaid Visa® Card

  • Earn Rewards Towards Free Groceries and Fuel Savings* - A Smart and Convenient Way to Pay
  • Get a $10 bonus added to your reloadable card when you sign up for Free Direct Deposit(1)
  • See Rates & Fees

(1) As a cardholder, enjoy a bonus $10 added to your Reloadable Prepaid Debit Card upon first successful direct deposit. One-time $10 credit will be applied within 30 days after a successful first direct deposit is made to a Personalized Card account. Account must be open and in good standing at the time of the credit. Offer not valid for existing accounts receiving direct deposit.
Credit Needed:
N/A 2

Reviews: Be the first to write one
Rewards: Store
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0, $4.95 Monthly Maintenance Fee N/A N/A N/A
First Access Visa® Solid Black Credit Card
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Directly with The Bank of Missouri

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First Access Visa® Solid Black 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
  • 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 Program 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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri


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

Reviews: 1
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A N/A See Terms*
Fingerhut Credit Account
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Directly with WebBank

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Fingerhut Credit Account

  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card


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: 27
Rewards: Store
Annual Fee BT Intro APR Purchase Intro APR Regular APR
None N/A* N/A* See website for Details*
NetSpend® Visa® Prepaid Card
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Directly with MetaBank

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NetSpend® Visa® Prepaid Card

  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card " for full details.
  • See additional NetSpend® Prepaid Visa® details.


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: 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* N/A
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
  • If approved, simply pay a Program 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!


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*
Surge Mastercard®
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Directly with Celtic Bank

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Surge Mastercard®

  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • 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
  • 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 689 is considered limited credit. 2

Reviews: 2
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See website for Details* N/A* See website for Details* See website for Details*
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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