Credit Cards for Poor Credit

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ADVERTISER DISCLOSURE

Quick & easy. Here are the some standout cards for poor credit.

  • Credit NeededPoor
  • Annual Fee $0 – $99
  • Regular APR20.24% – 26.24% Variable
Card Details

Highlights

  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It’s fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
APPLY NOWon The Bank of Missouri secure website
  • Credit NeededFair/Bad Credit
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Fast and easy application process; response provided in seconds
  • Manageable monthly payments
  • Checking Account Required
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
APPLY NOWon Genesis FS Card Service secure website
  • Credit NeededPoor/Bad
  • ApprovalEasy Online Application
  • Regular APR24.9%
Card Details

Highlights

  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 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.
APPLY NOWon The Bank of Missouri secure website
  • Credit NeededFair/Bad
  • ApprovalEasy Online Application
  • Credit Limit*See card for details
Card Details

Highlights

  • Checking Account Required
  • 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
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
APPLY NOWon Fit Mastercard’s Secure Site
  • Credit NeededBad/Fair
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Checking Account Required
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
APPLY NOWon Reflex Mastercard’s Secure Site
  • Credit NeededBad/Fair
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Checking Account Required
  • Initial Credit Limit of $500.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)

Cards for Very Poor Credit or No Credit at All

Horizon Gold Card is the best choice for a credit card with bad credit in 2019. Approval is instant. With on-time payments, this card will improve your credit score over time. The only downside is it can only be used on the Horizon Store Website (it’s an online shopping site like Amazon).

APPLY NOWon Horizon Gold’s Secure Site
  • Credit Check?No Credit Check
  • ApprovalInstant Approval
  • Credit LimitGuaranteed $500 Credit Line*
Card Details

Highlights

  • Click “APPLY NOW” to apply securely on Horizon Gold Card’s site
  • Horizon Gold Card is a $500 Unsecured Credit Line
  • Instant Approval
  • No Employment Check
  • Reports to a Major Bureau
  • No credit check. Bad credit accepted.
  • *See Site for Terms and Conditions

APPLY NOWon Group One Platinum’s Secure Site
  • Credit NeededBad Credit, No Credit – OK
  • ApprovalInstant Approval
  • Credit Limit$500 Credit Line!
Card Details

Highlights

  • Click “APPLY NOW” to apply securely on Group One Platinum’s secure site
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • *See Card for Details

Typical Credit Card Approval Process

How to Apply

Click “APPLY NOW” to securely apply for a credit card on the issuer’s site.

What You’ll Need

You’ll probably have to answer questions about your income and estimate your credit score again.

Getting Your Card

Once you’re approved and receive your card in the mail, you’ll be able to spend money on it right away!

What Are Credit Cards?

Credit cards, also sometimes called “charge cards” allow users to spend money before they actually have it. This is the main difference between credit cards and debit cards.

For example, if you need to make a $250 purchase today, and you don’t have the $250 in cash to make the purchase, a credit card will allow you to make the purchase and pay the $250 later. For those of us that depend on receiving our paychecks every two weeks, credit cards can be a lifesaver.

We spent 200+ hours searching for the best credit cards of 2019, because not all credit cards are made equal. Many shady online credit issuers have high variable rates and lots of hidden fees. None of the issuers on this page have hidden fees, and virtually all are highly rated and respected.

What Can I use Credit Cards For?

Credit cards can be used for everyday purchases, or just about anything! Some of the most popular uses include:

  • Everyday expenses, i.e. groceries, gas, coffee, etc.
  • Large, unplanned expenses
  • Pay for a wedding
  • Automobile expenses
  • Medical bills

According to research by Finder, roughly 70.02% of all Americans have credit cards. Typically, the better your credit score, the more perks you’ll get with a credit card.

Credit Card Myths

One of the most common misconceptions about credit cards is that they somehow negatively effect your credit score.

For most cases, this is not true. There’s often no impact on your personal credit score to see if you qualify for a credit card. If applying for a specific card will negatively impact your credit, we’ll be sure to make a note on our page.

The only way a credit card can hurt your credit score is if you fail to make your minimum/full monthly payments. Ideally, you’ll want to pay off your credit card in full each month to avoid interest charges. However, even if you only make the minimum statement balance payment, your credit score will actually not take a hit; in many cases, it could improve due to regularly, timely payments. Issuers view timely payments very positively, so you should always aim to pay off your credit card on time every month.

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