7+ credit cards for people with little to no credit | finder.com

Seven credit cards for people with bad or poor credit

Go from poor credit to good credit with these cards — and a budget.

30% of all Americans have poor or no credit.
You can work to rebuild your credit with a secured credit card.

Apply for one of these cards and get prequalified in 60 seconds.

  • Good for credit. Applying for these cards will not affect your credit score.
  • Cash back. Some cards offer a percentage cash back for purchases.
  • No application fee. It’s free to apply for these cards.

Credit One Bank® Unsecured Platinum Visa®

Seeing if you pre-qualify is fast, easy, and secure.

  • Available to consumers with a low credit score.
  • No application fees — no money required to open an account.
  • Easy to apply.
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Other cards you can apply for with low credit

Don’t like our #1 choice? Here are six other cards that made our top list of credit cards for those with low credit. These cards are easy to apply for and accept applicants with low credit scores.

Name Product APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
14.99% to 25.99% variable
$95
680
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
14.99% to 25.99% variable
$0
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
None (Charge Card)
$550
680
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
14.99% to 25.99% variable
$0
680
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
13.99% variable
$0
720
A low, variable APR on purchases, balance transfers and cash advances.
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
720
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
14.99%, 18.99% or 24.99% variable
$0
680
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
12.99%, 16.99% or 20.99% variable
$0
680
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
11.99% to 21.99% variable
$0
670
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
17.74% to 26.74% variable
$0
680
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
680
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
670
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
17.74% to 26.74% variable
$95
680
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
17.74% to 26.74% variable
$0
680
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
16.99% variable
$495
715
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.99% variable
$195
715
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.99% variable
$995
715
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
24.99% variable
$39
620
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
620
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
29.99% variable
$75 annual fee for the first year ($48 thereafter)
300
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
19.99% to 25.99% variable
Up to
300
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
20.74% variable
$0
680
Designed for college students to build credit history and earn rewards.
19.14% variable
$35
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers


How does a secured credit card help you rebuild credit?

A secured card does not automatically improve your credit score. To raise your credit score using a secured credit card, follow these guidelines:

  • Pay off your balances every month. Secured credit cards report to credit bureaus just like unsecured cards, which means you’ll have a better chance at improving your credit score if you pay off your balance in full each month.
  • Stay within a budget. Credit cards are not free money, and you should only spend what you can afford.
  • Use your card regularly. Credit rating agencies look for activity on a card every month, so if you charge a small amount and pay it off each month, you’re likely to improve your credit score.
  • If you can’t avoid carrying a balance, keep it small. Sometimes you need to put more on your card than you can afford to pay off at once. Credit rating agencies look at your debt-to-income ratio, and it’s recommended that you keep this ratio below 30%. This means if you have a card with a $500 limit, try to keep your balance below $150.

Debit cards vs. secured credit cards

Debit cards and secured credit cards both require you to deposit cash in a bank account in order to spend money. However, secured cards do two things that debit cards don’t:

  • Debit cards don’t report to credit rating agencies, and therefore don’t help build your credit.
  • Debit cards only let you use money from your bank account. Secured cards allow you to “graduate” to either partially unsecured credit cards — cards that allow you to spend a bit more than you’ve deposited — or fully unsecured credit cards that don’t require a deposit.

Secured cards vs. subprime cards

Subprime cards differ from secured cards because they don’t require a security deposit. You’ll also get your security deposit back after paying off your secured card and closing your account. Both options are available to someone who has no credit or is trying to rebuild their credit, but subprime cards often come with high fees and interest rates.

Subprime cards have a bad reputation for being predators or “fee harvesters”. Linda Sherry, the director of national priorities at Consumer Action, puts it simply: “Consumers are better off using a secured credit card than a subprime one even though it requires depositing money with a card company.”
No security deposit card

What is the 2009 cARD act?

The 2009 CARD Act reined in the practices of subprime cards, requiring that fees be no more than 25% of the initial line of credit. If you have a subprime card with an initial credit of $300, the fees cannot be more than $75 (25%) the first year. This doesn’t stop some subprime issuers from skirting the law, and the CFPB continues to crack down on cards breaking the 25% rule.


Which credit card is best for me?

Couldn’t make a decision on which credit card is right for you? Answer these three quick questions to see what we pick for you!

Question 1 of 3

Do you have low or poor credit?

Question 2 of 3

Are you currently employed?

Question 3 of 3

Do you currently have a checking or savings account?

Based on your answers, we think these providers are right for you

Green Dot primor® Visa® Classic Secured Credit Card

Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line.

  • $39 annual fee
  • 13.99% fixed APR
  • Minimum Income Requirement of at least $100 higher than your monthly expenses
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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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2 Responses

  1. Default Gravatar
    AndrewJuly 25, 2017

    I have no Idea what my credit is, Credit karma told me nothing

    • finder Customer Care
      HaroldJuly 26, 2017Staff

      Hi Andrew,

      Thank you for your inquiry.

      To understand more about your credit score it would be helpful if you can read this page. In line with this, should you need to dig further about your credit history you can request your credit report here.

      I hope this information has helped.

      Cheers,
      Harold

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