Credit Cards for Poor Credit

Are you worried that you can't improve your financial situation due to poor credit? Well, you don't need to, just because you currently have poor credit doesn't mean that you won't qualify for a credit card. All you need to do is let us help you get creative, and find a card that will help to boost your credit score. We have an extensive list of credit card issuers that will offer you credit even if you have poor credit. The reason for this is that they know that they are providing a financial tool to help customers as you get back on the right track. So, if you have poor credit, and want to improve your overall rating and finances, check out some fantastic deals listed below.

  • Total Visa® Card

    • Manageable monthly payments
    • Reports monthly to all three major credit bureaus
    • Accepted by merchants throughout the USA and online
    • Checking account required WHO SHOULD APPLY TOTAL VISA® accepts applications from people who are interested in looking for a true VISA® credit card that does not require perfect credit for approval. People who want a fast application process with a response provided in seconds. People who want reporting to all three credit bureaus.
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  • OpenSky® Secured Visa®

    • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
    • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
    • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
    • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
    • We have a Facebook community of people just like you; there is a forum for shared experiences and insights from others on our Facebook Fan page. (Search “OpenSky Card” on Facebook.)
    • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
    • *View our Cardholder Agreement located at the bottom of the application page for details of the card. APR, Variable APR: 19.14% Variable APR Cash Advance APR: 19.14%, Variable
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  • Indigo® Mastercard® for Less than Perfect Credit

    • Pre-qualify for a card today and it will not impact your credit score
    • All credit histories considered
    • Mobile account access at any time
    • Fraud protection for stolen or lost cards
    • Account history is reported to the three major credit bureaus in the U.S.
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  • Green Dot primor® Mastercard® Classic Secured Credit Card

      • NO PROCESSING OR APPLICATION FEES!
      • NO MINIMUM CREDIT SCORE REQUIREMENTS!
      • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
      • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS

      How It Works

      • Fast, easy application process

      Apply in just minutes, get approved even If you have damaged or no credit history.

      • We process your information

      We will process all of your information to see if you qualify.

      • You get approved**

      Even if you have damaged credit or no credit history! Just open an FDIC insured savings deposit account.

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  • Merrick Bank Double Your Line™ Visa® Credit Card

    • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
    • 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 when it is provided to us from the credit bureau.
    • $0 Fraud Liability protects you from unauthorized charges.
    • Online and mobile Account Access.
    • No Penalty Rates or Over Limit Fee. * See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
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  • First Latitude Platinum MasterCard® Secured Credit Card

    • Choose a Credit Line Secured by Your Fully Refundable Deposit -- from $200 to $2,000
    • Get a Full-feature Platinum MasterCard Accepted at Millions of Merchants Worldwide and Online
    • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History
    • Quick and Easy Online Application
    • Expedited Processing and Apply Now & Fund Later Options Available (see application for details)
    • You will need a bank account in order to make monthly payments on your new card account to avoid having to incur separate costs imposed by outside payment vendors
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  • Official NASCAR Credit Card from Credit One Bank

    • Cash Back Rewards - Automatically get 1% cash back rewards on eligible purchases†
    • Free Credit Score - Monitor your credit with free online access to your Experian credit score†
    • Credit Line Increases - Receive automatic account reviews for credit line increase opportunities
    • Zero Fraud Liability - Rest easy knowing you won't be held responsible for unauthorized charges
    • Customizable Account Notifications - Choose the notifications that matter most to you including payment reminders and transaction alerts
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  • Milestone Mastercard - Bad Credit Considered

    • Choose Your Custom Card Design – Free
    • Free 24/7 Account Access & Bill Pay
    • Mastercard Gold Benefits
    • Prequalify for a card today and it will not impact your credit score
    • Less than perfect credit is okay
    • Mobile account access at any time
    • Protection from fraud if your card is stolen
    • Account history is reported to the three major credit bureaus in the U.S.
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  • First Access VISA Credit Card

    • Perfect credit not required for approval; we may approve you when others won’t
    • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
    • Reporting monthly to all three major credit reporting agencies
    • Easy and secure online application
    • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Select your favorite card design from our gallery, for free!
    • Online Customer Center available 24 x 7
    • Issued by The Bank of Missouri
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Transaction Fees

Annual Fee: Not all credit cards have an annual fee. You can expect an annual fee on most secured credit cards, some premium credit cards, charge cards, and subprime credit cards.

The amount of the annual fee varies. It can be as low as $0 or as high as $500, depending on the credit card.

Regular Purchase APR: This is the amount of interest that the issuer will add to the balance on revolving debt, known as the annual percentage rate. Please be aware that they can fluctuate; they can shift from as low as 10% to as high as 35% based on your creditworthiness. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions.

Intro Purchase APR: There are several low-interest credit cards offering 0% intro purchase APR. A 0% intro APR offer means that you won’t have to pay interest on your purchases for a specific time period. Depending on the credit card offer, the 0% intro APR can last anywhere from six months to over a year, then the regular purchase APR applies. 

Balance Transfer Fee: A balance transfer is when you pay off the balances on existing credit cards or loans by transferring them to another credit card account. You usually will pay a fee of 3% to 5% of the amount you plan to transfer. For example, if your balance is $5,000, a 3% fee would cost you $150.

Regular Balance Transfer APR: The best balance transfer rates could be offered by credit card companies to new cardmembers, and usually are 0% or low APR offers for an introductory time period. After that -- often six months to a year or occasionally more, the interest rate will increase to its regular rate(often 10%-30%).

Cash Advance Fee: For cash advances, most companies charge a flat fee($5-$15) or percentage of the transaction(3%-5%) – whichever is greater. For example, a typical cash advance fee is the greater of $10 or 5%. So, if you take out a cash advance of $100 under these terms, your cash advance fee would be $10 since 5% of $100 is only $5. On the other hand, if you take out a cash advance of $500, your cash advance fee would be $25.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.

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