If you fall in the category of poor credit rating, once again we advise you to take a thorough look at the fees and rates before submitting the application. Individuals with poor credit histories are taken as high risk by credit card companies hence they charge these individuals with higher fees and rates to balance the extra costs.

It is imperative that the Poor credit scorers must set achievable goals to increase their credit. According to The Crediters poor credit scorers are individuals with FICO score below 600.

It absolutely in no way means that poor credit scorers are out of the race for credit cards. They simply need a guided smart approach using any of the credit cards listed above which are specifically designed for such individuals.

Credit Card companies do not see the poor credit scorers with high regard instead they view them as high risk candidates. This essentially means that they will be charged high fees and rates however they still have offers that can be availed.

Card Issuers have designed multiple offers allowing poor credit scorers to increase their score as well as maintain a good credit history. However the low rates and rewards are something they cannot opt for but can avail online account access and flexible payment options along with a few other perks.

Do not dishearten yourself if you have poor credit, take advantage of our Compare Tool and compare all the above cards to shortlist the best offers for you.

ACE Flare™ Account by MetaBank®

Annual Fee

See website for Details*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

See website for Details*

Credit Needed

Poor, Limited

Rewards

None

  • When you make a purchase with the Pink debit card for the ACE Flare™ Account by MetaBank®, we’ll make a donation to the National Breast Cancer Foundation – join us in the fight!

Apply Now

Fingerhut Credit Account

(1 customer review)

Annual Fee

None

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

See website for Details*

Credit Needed

Poor, Limited

Rewards

Store

  • 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

Apply Now

First Access Visa® Card

(1 customer review)

Annual Fee

See Terms*

BT Intro APR

N/A

Purchase Intro APR

N/A

Regular APR

See Terms*

Credit Needed

Poor

Rewards

None

  • 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
  • $300 credit limit (subject to available credit)
  • Checking Account Required
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

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First Digital Mastercard®

Annual Fee

$75.00 for first year After that, $48.00 annually

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

35.99%

Credit Needed

Fair, Poor

Rewards

None

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC

Apply Now

First PREMIER® Bank Secured Credit Card

(1 customer review)

Annual Fee

See Terms*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

See Terms*

Credit Needed

Poor, Average

Rewards

N/A*

  • 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!

Apply Now

Merit Platinum Card

Annual Fee

See website for Details*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

0% APR

Credit Needed

Poor, Limited

Rewards

None

  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check

Apply Now

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

Annual Fee

$0-$70

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

20.95% – 29.20% Variable

Credit Needed

Poor, Fair

Rewards

None

  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 – $1,250, Doubling to $1,100 – $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee

Apply Now

Merrick Bank Secured Visa® from Merrick Bank

(1 customer review)

Annual Fee

$36 for first year. Billed $3 per month thereafter

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

18.95% Variable

Credit Needed

Fair, Average

Rewards

None

  • Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit – performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance – use it anywhere Visa is accepted.
  • Quick, easy application – apply online today!

Apply Now

NetSpend® Visa® Prepaid Card

Annual Fee

See website for Details*

BT Intro APR

N/A*

Purchase Intro APR

N/A*

Regular APR

N/A

Credit Needed

Poor,Limited

Rewards

None

  • 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.

Apply Now

Total VISA® Unsecured Credit Card

(1 customer review)

Annual Fee

See Terms*

BT Intro APR

N/A

Purchase Intro APR

N/A

Regular APR

See Terms*

Credit Needed

Fair, Poor

Rewards

None

  • 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!

Apply Now