Find the best poor credit credit cards

Finding credit cards for poor or bad credit isn’t hard, what is usually difficult for the average consumer is if you are rebuilding your credit, getting that credit score back to its glory days. Fixing your credit history is one of the most important tasks that a consumer will have if they hit a rough patch in their financial standings as disclosed in the three major credit bureau report’s. Luckily there are credit cards for individuals with poor or bad credit that Credit Sesame features from our card partners, and whether you need a secured or unsecured card we may be able to suggest some cards which may be a fit for you. It is important to keep in mind that prepaid cards are not credit cards and will not influence your credit history as they do not provide a credit line. Also, making on-time payments with any creditor and keeping your balances low relative to your limit are important elements to building your credit. It is also important to note that the credit cards usually available for individuals who are working on building or rebuilding their credit may have an annual fee or might require a deposit before you can start using it – some of the downsides of having a lower credit score.

Poor Credit Top 2

Credit One Bank® Unsecured Visa® Credit Card

Credit One Bank® Unsecured Visa® Credit Card is an option for those who want to start rebuilding their credit while also benefiting from a rewards program when you fill up your tank at the gas station or for making grocery purchases, terms apply. You can get pre-qualified in less then 60 seconds.

Customer Reviews

I got this card a few months ago I was approved for a $400 limit. It has already helped my re-build my credit, and has helped me get approved for a Barclays card at a $1000 limit. I filed for bankruptcy about a year ago and have been denied for most cards that I applied for. I tried this one and it was a good decision. The initial fees are high, but that is to be expected when you have bad credit. My score has already gone into the mid-600’s due to this card, so I suggest it to anyone who needs help with credit. Called customer service once and they were very helpful as well.
Odette

If you are applying for this card it is because you are in the sub-prime category. If you want a card with no fees and low interest you should probably have the score to obtain it. 6 months ago I was sitting at 491 TU and I bought a car and was financed through a CU for the loan. I then added a secured card at the CU for $500 and I’m sitting at 550 TU now. I applied for this card and got an instant approval at $300. I received the card promptly and am ecstatic. Applied for the barclaycard and they denied me stating that I didn’t have any “unsecured” revolving accounts. This will do the trick. :) Also, applied for Discoverit card and got approval for the secured Discover it. Nonetheless I’ll gladly put 200-300 bucks down to show a Discover account on my reports! :) Just use the card and make your payments on time. Don’t worry about the APR or the Annual fee, if your in the 500 range and this card bumps you to 650 after a year or so, you’ll save the money you paid in on interest rates for auto and mortgage loans.
Matthew

Highlights

Automatically earn 1% cash back in rewards when you buy gas or groceries. Terms Apply. Flexible payment date to assist you in making your payments on time.

If you’re interested in applying for this card you can get pre-qualified in less then 60 seconds. Choose your own credit card design from the premium gallery of designs available. Take advantage of free online access to your credit score and credit report summary. And if you’re interested in growing or rebuilding your credit be sure to handle your account responsibly (for example, make your payments on-time and keep the account in good standing) as they report monthly to all three of the major credit bureaus.

TotalVISA® Unsecured Credit Card

The TotalVISA® Unsecured Credit Card has a fast and easy application process and considers those with a fair / bad credit rating. If you are looking to get started at building or rebuilding your credit this card may be a fit for you. You can have manageable monthly payments and your account activity will be reported monthly to all three of the major credit bureaus. Please note this program is not currently available in New York or Wisconsin.

Highlights

New cardmembers are required to have a checking account before they can be issued this unsecured credit card. The application process is fast and easy to complete. Once it is submitted, you will receive a response within seconds. If you do get approved, there will be a processing fee for opening the account and then you will have access to your available credit.

The Total Visa Unsecured Credit Card is a genuine Visa card that is accepted by merchants across the United States and online. All of your account activity will be reported to the three major credit bureaus. However this program is not currently available in New York or Wisconsin.

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is an excellent choice for those who are looking to build credit.

Customer Reviews

This is an excellent credit card for those who are looking access to online education.
Rakshith

I’ve had this card for the many years as a college student and now as an adult with a Home Mortgage, Baby and bills, this card is very useful. I love the high level of security that protects against identity theft and also the reasonable interest rates.
Cheryl

Highlights

OpenSky® Secured Visa® Credit Card offers new cardmembers with no credit history a way to build their credit fast with monthly reporting to all three major credit bureaus. You can choose your credit line as low as $200 up to $3000, secured by a fully-refundable security deposit.The security deposit must be made before the actual credit card is issued.

Why choose a poor credit credit card?
The only reason to choose a poor credit rating credit card is because you are building or rebuilding your credit. These types of cards are designed as a tool or a stepping stone to help you get back on your feet and with responsible use by you you can improve your credit over time. These cards have a higher chance of approving you if you have a poor rating right now than others, and that is what is the most appealing about them.
What is a poor credit credit card?
These types of credit cards are for those who are looking to build or rebuild their credit. Keep in mind, it doesn’t guarantee that you will be approved for a card since card issuers look at a variety of factors (other then just your credit score) when making a determination.
What kind of card can I get?
You may want to consider a secured card if you have money you can spare for the security deposit.
What are the pros & cons?
To start let us take a look at some of the upsides of owning a credit card like this. Even though you may have a credit score rating between 500 to 549 (credit scores can vary with the agency you are getting the scores from) you may qualify for a credit card that offers rewards. With responsible use on your part, you can start to build or rebuild your credit. On the downside you may be looking at annual fees and if you tend to carry a balance the card may have a high interest rate.

Credit Card Helpful Resources

Secured Credit Cards to Build Credit

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Best Credit Cards for Bad Credit

Found yourself with bad credit and need a way out? Then read our advice and recommendations for the best credit cards to get for bad credit.

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How to Build Credit Without a Credit Card

Don’t have a credit card but still want to build your credit history? No problem! Our credit experts will give you the best options you will have to get started.

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Related Credit Card Options

Prepaid Cards

The prepaid card is a great way to start your card carrying experience if this is your first time using a card instead of cash or if you want to be able to wield a card for online purchases or other locations that only accept credit cards, debit or prepaid cards.

Secured Credit Cards

Secured credit cards are your best option if you are in need of rebuilding your credit or if this is your first time in the credit arena and you are looking to build your credit. The chances of being accepted are relatively high, even with no credit history.

Business Credit Cards

If you run a small, medium, or even large enterprise you may be in need of a business credit card. These cards can be useful for purchasing business related products and services. In return you may have a card that offers great rewards and other incentives.

Cash Back Credit Cards

Cash back credit cards offer a way to earn more on your every day purchases. There are a variety of cash back cards so look for one that fits your lifestyle or needs.

Low Interest Credit Cards

If you have been paying your monthly balance on time, and you have good or excellent credit then you may be eligible for a low interest credit card. If you tend to carry a a balance these credit cards offer relief from higher interest rate cards.

0% Introductory APR Credit Cards

If you are considering a balance transfer to consolidate your credit card debt or to move your credit card debt from a higher rate card then a 0% introductory APR on balance transfers may be a good fit for you. If you are looking to make an expensive purchase that you may need some time to pay off, then consider a 0% introductory APR on purchases. The introductory APR can last anywhere between 6 to 21 months depending on the issuer and is one way you can save money by reducing or eliminating finance charges on your qualifying balances.

Help: Choosing the best poor credit credit card

Editors Note: Please come back for our updated section on choosing the best credit card for individuals with poor or bad credit.

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