Credit Cards (US)

Find the best cards even if you have limited credit

See how Mister Finance can help you decide which card is the right fit for you! We offer our recommendations on the very best cards to those with limited credit scores! See the full post and learn more about these cards!

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by Victória Lourenço

05/02/2022 | Updated on 08/03/2022

Limited credit? We help you with the best card options: see the best cards for limited credit we’ve selected just for you!

See the best cards for those with limited credit! Source: Adobe Stock
See the best cards for those with limited credit! Source: Adobe Stock

It’s hard enough navigating your way among so many different card choices, even more so if there are complications in the application process that don’t let you into some more select card plans. Some will even decrease your credit after the search authorities conduct to see if you could apply for the offers. Knowing that, we have selected the very best cards for those with limited credit scores

Check our full recommendation post and stay tuned. The option for you might be here!

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Our best card recommendations if you have limited credit!

Don’t let your limited credit score get in the way of a healthy financial future! See below for the best cards for limited credit scores.

Petal® 1 “No Annual Fee” Visa® Credit Card

Credit ScoreLimited.
Annual FeeNo annual fee.
Regular APR22.24% – 31.74% variable APR.

Petal® 1 “No Annual Fee” Visa® Card Highlights

Earning a range of cashback percentages sounds very good, right? Well, that’s because it truly is! Petal® 1 offers a credit card with no annual fees with a potentially low APR. All so you can enjoy rewards with no complications!

  • 2% to 10% cashback on applicable purchases.
  • Online banking.
  • No fees.
  • 0$ fraud liability.

Petal® 1 sounds like a sweet deal, right? Indeed there are truly a lot of upsides to this card. Check our post below and learn all there is to its application process!

Petal® 1 “No Annual Fee” Visa® Card

How to get the Visa® Credit Card? Petal® 1 Card

Petal® 1 "No Annual Fee" Visa® Credit Card gives you 2% – 10% cash back at select merchants with no annual fee. And it helps you build a credit score.

Petal® 1 “No Annual Fee” Visa® Card

Petal® 1 “No Annual Fee” Visa® Credit Card

This card offers cash back with no annual fee and allows you to build your credit score. Take a look at the Petal® 1 "No Annual Fee" Visa® Credit Card review!

Revvi Card

Credit ScoreSee their website for details.
Annual Fee$75 intro period, $48 after.
Regular APR34.99%, fixed APR.

Revvi Card Highlights

Although it charges an activation fee and has an annual pay required, the Revvi card has some benefits attached that may add value. Check what this card has to offer!

  • Helps rebuild credit.
  • $300 credit limit.
  • Online banking.

See how to apply to the Revvi Card below, where we explain all there is to the application process.

Revvi Card

How to apply for the Revvi Card?

The Revvi Card doesn’t require a perfect credit score, and the application process is quick and easy. Check out how to apply for it!

Revvi Card

Revvi Card full review

The Revvi Card is a financial product that can help you rebuild your credit score. Also, it offers you 1% cash back rewards^^. Interested? So, check out our full review!

Walmart Moneycard Debit Card

Credit ScoreAll credit scores.
Annual Fee$5.94 monthly fee.
Regular APRNot applicable.

Walmart Moneycard Card Highlights

The Walmart debit card is a very good choice if you frequently make purchases at Walmart, offering a solid welcome bonus and several cashback options.

  • Cashback on Walmart purchases.
  • Monthly fee can be waived.
  • ASAP direct deposit.

If you are a fan of going to Walmart to buy your products, this card might be a good fit for you! Check our post below and learn how to apply!

Walmart Moneycard Debit Card

How to apply for the Walmart Moneycard debit card

You can easily and quickly apply for the Walmart Moneycard debit card. So, check out how you can start earning cash back and all the benefits that come with this card!

Walmart Moneycard Debit Card

Walmart Moneycard debit card review

Are you looking for the best prepaid debit card? So, check out our review of the Walmart Moneycard, which offers overdraft protection, cash back, and more!

Chime® Credit Builder Card

Credit ScoreNo credit required.
Annual FeeNo annual fee.
Regular APRNo APR.

Chime® Credit Builder Card Highlights

If you are looking for a card that has no fees and also doesn’t prioritize credit scores in its application process, Chime® has just the solution for you!

  • Money you deposit becomes your limit.
  • No fees.

To help you build credit in a fee-free manner, see our post below and learn step-by-step how to apply this excellent option!

Chime® Credit Builder card

How to get the Chime® Credit Builder credit card

The Chime® Credit Builder card application process is fast and straightforward. You don’t need a credit history or a minimum deposit to apply for it. Check it out!

Chime® Credit Builder card

Chime® Credit Builder Card review

Start building credit for free and for a better future. Check out the Chime® Credit Builder card review article and learn how it works!

Applied Bank® Unsecured Classic Visa® Card

Credit ScoreFair.
Annual FeeSee their terms to know more.
Regular APR29.99%, fixed APR.

Applied Bank® Unsecured Classic Visa® Card Highlights

An unsecured card that helps you build good credit scores with a fixed APR!

  • Easy and fast application process.
  • Helps build credit.
  • Accessible.

This is a very accessible choice, and you just simply can’t go wrong with it! Check out our how to apply post below and learn everything there is to the application process!

Applied Bank® Unsecured Classic Visa® card

How to apply for Applied Bank® Unsecured Classic

You won’t need a perfect credit score to get an Applied Bank® Unsecured Classic Visa® credit card. Therefore, check out how to apply for one!

Applied Bank® Unsecured Classic Visa® card

Applied Bank® Unsecured Classic Visa® Card

The Applied Bank® Unsecured Classic Visa® credit card is for those who search for a card that doesn’t require a security deposit and accepts a poor credit score!

First Access Visa® Credit Card

Credit ScoreFair.
Annual Fee$75 intro period, $48 after.
Regular APR34.99%, fixed.

First Access Visa® Card Highlights

Even though the First Access Visa® Credit Card asks for high annual fees and a high APR, it can potentially apply to you because it’s very accessible!

  • No deposit required.
  • Helps build credit.

If you think the First Access Visa® Credit Card might be suitable for your needs, then check our post on how to apply below!

First Access credit card

How to apply for the First Access Visa® card?

If you are having trouble with the credit cards application process due to a bad credit score, you should look at the First Access Visa® credit card!

First Access credit card

First Access Visa® credit card full review

The First Access Visa® is an unsecured card that accepts you when you have no credit history. So, check out our review to learn more about its pros and cons!

NetFirst Platinum Card

Credit ScoreNo credit needed.
Annual FeeNo annual fee.
Regular APRNo APR.

NetFirst Platinum Card Highlights

Although it charges no annual fees, it does have a membership fee. That’s not to say NetFirst Platinum is a bad choice. This card helps you build credit and offers a 7-day free trial!

  • No APR.
  • Doesn’t check credit for application.
  • Allows an increase in the credit line.

If you think the NetFirst Platinum Card might be a solid option for your financial lifestyle, check our post below and see all the info you need to apply to it!

NetFirst Platinum card

How to apply for the NetFirst Platinum credit card

Horizon Card Services features another store card with no credit or employment checks. Read how to apply for a NetFirst Platinum card on this post!

NetFirst Platinum card

NetFirst Platinum card full review

A credit card that doesn’t check credit or employment so you can apply for it and get instant approval: read the NetFirst Platinum review!

Freedom Gold Card

Meet the Freedom Gold card. Source: The Mister Finance.
Meet the Freedom Gold card. Source: The Mister Finance.
Credit ScoreFair.
Annual FeeNo annual fee.
Regular APRNo APR.

Freedom Gold Card Highlights

Level up your credit with the Freedom Gold Card. This card features simple and straightforward policies and helps you build up a score with no complications.

  • 7-day free trial.
  • 0% APR.
  • Monthly fees.
  • $750 unsecured credit line.

Maybe the Freedom Gold Card is the option for you with its relatively low fees and benefits package! If you think so, check our post below and learn how to apply.

Freedom Gold card

How to apply for the Freedom Gold card?

The Freedom Gold is a store card full of benefits, such as $750 unsecured credit line, discounts and more. Check out how to apply for it!

Freedom Gold card

Freedom Gold card full review

If you enjoy shopping at Horizon Outlet, but don’t have enough credit score to apply for a credit card, check out the Freedom Gold review now!

First Digital NextGen Credit Card

Credit ScoreLimited.
Annual Fee$75 intro period, $48 after.
Regular APR35.99%.

First Digital NextGen Card Highlights

Although it has a high APR, the decrease in the annual fee is an interesting benefit. See some of its perks below!

  • Accessible.
  • Helps build credit.
  • No deposit required.

If you think the First Digital NextGen Credit Card might be good for you, apply using our step-by-step instructions in the following post!

First Digital NextGen credit card

How to apply for the First Digital NextGen card?

Do you need a card that does not require a perfect credit score? The First Digital NextGen has arrived to help you build up your credit score. So, take a look at the card

First Digital NextGen credit card

First Digital NextGen credit card full review

Are you looking for an unsecured card that does not require a perfect credit score? So, take a look at the First Digital NextGen credit card full review.

How to build your credit?

Find out how to build your credit score! Source: Adobe Stock
Find out how to build your credit score! Source: Adobe Stock

Now that you’ve learned about the best cards for limited credit, let’s talk about how you can build up your score. Building credit might seem easy with all the available options out there, but rest assured that there are many on the journey for a reason! Among intricacies, terms and conditions, fees, and charges made just to keep your membership up, it can be very hard to understand what you can do to rocket your credit score into space.

We at Mister Finance seek to simplify information so you can better understand what you need! Trust us to pass on the knowledge of years worth of research and contact with the products we write about. See the following post to understand better what impacts your credit scores and how you can reach the top of credit card privilege with good credit practices.

person putting wooden block on top of eachother

How to build credit using a credit card

If you need to build credit, using credit cards can be a great option. Check out our post to know how to build credit using a credit card in 4 easy ways!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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