Credit Cards (US)
Find the best cards even if you have poor credit
Check our list of the very best credit cards for those with poor credit scores, a varied selection of solid choices to get you back into the credit scene while rebuilding your financial life!
Poor credit? We help you with the best card options: see which could be a great fit for you and get back on track!
Trust us, there are good options for poor credit scores all over the place. All you need is a helping hand to show the way! With so many different formats, picking a card can be rough, so we’ll go over the best options for you. Keep reading to find out what are the best cards for those with poor credit!
Our best card recommendations if you have poor credit!
Having a low credit score shouldn’t get in the way of your purchasing power. With these cards, you’ll be able to repair your damaged credit so long as you use them responsibly. See below our suggestions for the best cards for poor credit.
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Revvi Card
| Credit Score | See website. |
| Annual Fee | $75 intro period, then $48. |
| Regular APR | 34.99%, fixed. |
Revvi Card Highlights
1% cashback rewards on payments and protection! Helping you rebuild your credit score with some money-saving.
- Decreased annual fee after 1 year.
- Fixed APR.
Check our posts below and learn how to get yours!
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 full review
The Revvi Card is a financial product that can help you rebuild your credit score. Also, it offers you 1% cashback rewards. Interested? So, check out our full review!
Reflex Mastercard®
| Credit Score | All scores. |
| Annual Fee | $75 to $99. |
| Regular APR | 24.99% to 29.99%, variable. |
Reflex Mastercard® Card Highlights
It offers an opportunity for you to rebuild your credit score. It grants monthly credit score tracking!
- Check your credit score for free.
- Reports to all major credit bureaus.
This can be an option if you just want to rebuild your score solidly. Check below and learn how to apply!
How do you get the Reflex Mastercard® credit card
Do you think that the Reflex Mastercard card can be good for your situation? So, keep reading to know how to apply for this credit rebuilding card!
Reflex Mastercard® credit card full review
You can get the Reflex Mastercard credit card to reestablish your score. Keep reading our full review to know more about this card!
Merrick Bank Double Your Line® Secured Visa®
| Credit Score | Poor. |
| Annual Fee | $36 in the first year, then $3 per month. |
| Regular APR | 17.70%, variable APR. |
Merrick Bank Double Your Line® Secured Visa® Card Highlights
A doubled $200 deposit to constitute the credit line, this card reports to all major credit bureaus and allows free credit score tracking!
- $200 deposit doubled to a $400 credit line.
- Check your credit score for free.
This card offers a solid option for those who want to rebuild credit. Check our post and learn how to apply!
How to get the Merrick Bank Double Your Line® card
Merrick Bank helps you build credit history through its credit cards. Learn now how to apply for a Merrick Bank Double Your Line® Secured Visa® credit card!
Merrick Bank Double Your Line® Secured card review
For those with a bad credit history, applying for traditional credit cards might be frustrating. Let’s present to you the Merrick Bank Double Your Line® Secured Visa®!
Fit Mastercard
| Credit Score | Poor. |
| Annual Fee | $99. |
| Regular APR | 22.99%, variable APR |
Fit Mastercard Card Highlights
An accessible and solid option for you to grow back your score, with monthly reporting to all major credit bureaus.
- $0 fraud liability.
- Very accessible.
A simple and reliable way to get your finances back in order, see the post below on how to apply now!
How do you get the Fit Mastercard credit card?
Do you need to organize your finances and clear debt? The Fit Mastercard card can be a great option for you. Keep reading our post about how to get this card!
Fit Mastercard credit card full review
The Fit Mastercard credit card can help you rebuild your credit and finances. If you want to know more about this card, keep reading our full review!
NetFirst Platinum
| Credit Score | No credit check. |
| Annual Fee | No annual fees. $14.77 monthly membership fee. |
| Regular APR | 0% APR. |
NetFirst Platinum Card Highlights
A good way to build credit, this card doesn’t check your score and reports to one major credit bureau.
- No annual fees.
- No APR.
- Multiple varied benefits.
If you think this card might be a good fit to rejoin the credit world, see how to apply in the post below!
How to get 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 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!
Applied Bank® Unsecured Classic Visa®
| Credit Score | Poor. |
| Annual Fee | See terms. |
| Regular APR | 29.99%, fixed APR. |
Applied Bank® Unsecured Classic Visa® Card Highlights
Although it features a small limit at first, this card reports to all major credit bureaus and provides online banking solutions.
- No deposit is required.
- Fixed APR.
- Fast application process.
If you see its many possibilities, check how to apply to this card with our step-by-step post below!
How to get the Applied Bank® Unsecured card?
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 review
The Applied Bank® Unsecured Classic Visa® credit card doesn’t require a security deposit and accepts a poor credit score for the application. So, check out our review!
Mission Lane Visa®
| Credit Score | Poor. |
| Annual Fee | $59. |
| Regular APR | 26.99% to 29.99%, variable APR. |
Mission Lane Visa® Card Highlights
Kickstart your financial life re-growth! This might be a solid option for you!
- No hidden fees.
- Tools on credit education.
- Mobile app.
A simple take on the credit card format, this is a very transparent option. See how to apply below!
How to get the Mission Lane Visa® credit card?
Get a Mission Lane Visa® credit card and begin right now your credit journey so you can start 2022 on the right foot. See how to apply for it!
Mission Lane Visa® card full review
Let’s present to you the Mission Lane Visa® review so you can start 2022 rebuilding your credit score. Stick with us to learn all about it!
Indigo® Mastercard® for Less than Perfect Credit
| Credit Score | Poor. |
| Annual Fee | $0 to $99. |
| Regular APR | 24.90%, fixed APR. |
Indigo® Mastercard® for Less than Perfect Credit Card Highlights
Very safe, the Indigo® Mastercard® for Less than Perfect Credit card is a good option to rebuild your score, with some premium benefits on the side.
- Online banking.
- Mastercard Airport Concierge.
- No deposit is required.
With the Mastercard® brand, you can have coverage almost everywhere! Check below how to apply!
Get the Indigo® for Less than Perfect credit card
Indigo® Mastercard® for Less than Perfect Credit card is an excellent choice for those looking for a little help with their credit-building. Learn how to apply for it!
Indigo® for Less than Perfect card full review
Do you have a perfect credit score to apply for a card? If not, don’t worry! Check out the Indigo® Mastercard® for Less than Perfect Credit review!
Indigo® Mastercard® with Fast Pre-qualification
| Credit Score | Poor. |
| Annual Fee | $0 to $99. |
| Regular APR | 24.90%, fixed APR. |
Indigo® Mastercard® with Fast Pre-qualification Card Highlights
Its pre-qualification process doesn’t harm your credit score, all so you can establish good credit practices while using a solid credit card.
- Fast approval.
- Online banking.
- No deposit is required.
If you’d like to apply for this, see our post below to learn all about the application process!
Get the Indigo® Fast Pre-qualification card
Indigo® Mastercard® with Fast Pre-qualification card features a super-fast pre-qualification without harming your credit score. Check out how to apply for one!
Indigo® with Fast Pre-qualification review
In this Indigo® Mastercard® with Fast Pre-qualification review article, we will show you how it works and how it helps you re-establish an excellent financial journey.
Surge Secured Mastercard®
| Credit Score | Not required. |
| Annual Fee | $69. |
| Regular APR | 19.99%, variable APR. |
Surge Secured Mastercard® Card Highlights
A card featuring a reward plan on all purchases that helps you rebuild your credit.
- 1% cashback on all eligible purchases.
- $0 fraud liability.
- Refundable deposit.
See our step-by-step post below to learn how to apply for this card!
Destiny Mastercard®
| Credit Score | Poor. |
| Annual Fee | $125 intro period, then $49. |
| Regular APR | 35.9%, fixed. |
Destiny Mastercard® Card Highlights
An unsecured and accessible card for you to rebuild your score!
- Unsecured.
- Fixed APR.
- $0 fraud liability.
To get this solid credit card, check our post below and learn how to apply!
How to get the Destiny Mastercard® credit card?
Finding a credit card that's right for you is hard. We've done the research and found one that offers amazing benefits. Check how to apply for the Destiny Mastercard®!
Destiny Mastercard® credit card full review
The high point of the Destiny Mastercard® credit card is that it doesn’t require a security deposit before using it. But, before making up your mind, read our review!
Total Visa®
| Credit Score | Poor. |
| Annual Fee | $75 intro period, then $48. |
| Regular APR | 34.99%, fixed. |
Total Visa® Card Highlights
This card reports to all major credit bureaus and has a manageable monthly payment plan.
- Fast application process.
- $300 credit limit.
See how to apply below in our step-by-step post!
How to apply for a Total Visa® Card?
The Total Visa® Card does not require a security deposit, and it can help you build credit. So, keep reading to know how to get this card!
Total Visa® Card full review
The Total Visa® Card can be an excellent option for those who need to build credit. So, keep reading our full review to know more about its benefits!
Milestone® Mastercard® – Less Than Perfect Credit Considered
| Credit Score | Poor. |
| Annual Fee | $35 to $99. |
| Regular APR | 24.90%, fixed. |
Milestone® Mastercard® – Less Than Perfect Credit Considered Card Highlights
This card doesn’t require a deposit and provides online banking, all while helping you build good credit!
- Warranty and fraud protection.
- Accessible.
- Reports to all major credit bureaus.
See how to apply below in our step-by-step post!
How to get the Milestone® Mastercard®?
The Milestone® Mastercard® – Less Than Perfect Credit Considered card application is straightforward and features a pre-qualification process. See all there is to it!
Milestone® Mastercard® full review
Build credit and achieve your goals with a Milestone® Mastercard® – Less Than Perfect Credit Considered! Learn more about its benefits in this review!
Petal® 1 “No Annual Fee” Visa® Credit Card
| Credit Score | Poor. |
| Annual Fee | No annual fee. |
| Regular APR | 22.24% – 31.74% variable. |
Petal® 1 “No Annual Fee” Visa® Credit Card Highlights
Featuring a reward plan and no annual fee, this card might be great for you to rebuild credit!
- % to 10% cashback.
- $0 annual fee.
- Online banking.
- No international fees.
See how to apply to this great option below!
How to get the Petal® 1 “No Annual Fee” card?
Petal® 1 "No Annual Fee" Visa® Credit Card gives you up to 10% cashback with no annual fee. And it helps you build a credit score. Check how to get it!
Petal® 1 “No Annual Fee” Credit Card full review
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!
Also searching for lending options for bad or poor credit?
Now you know our top choices for best cards for poor credit. And, if you seek options to rebuild your financial life, then the following post might help! With details on how lending may assist poor credit rebuilding. We cover everything you should know to consider all options!
TOP Lending for Bad Credit
Getting a loan when you have bad credit can be a challenging task. Keep reading and find out the best options to get a loan with a low credit score.
About the author / Victória Lourenço
Reviewed by / Aline Barbosa
Senior Editor
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