Best Credit Cards for Poor Credit 2026
Poor credit (typically below 580) makes approval harder, but it's not impossible. Secured cards and credit-builder options can help you establish a positive payment history and work your way toward better credit. Compare the best options available for poor credit.
Top Picks
Capital One Quicksilver Secured Cash Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Limited, Bad
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
FIT™ Platinum Mastercard®
The Bank of Missouri
Annual Fee
See terms
Credit Needed
Fair/Poor/Bad
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
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- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Reflex® Platinum Mastercard®
Celtic Bank
Annual Fee
$75 - $125
Credit Needed
Fair/Poor/Bad/Limited
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
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- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One®
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Capital One Platinum Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
Capital One Platinum Secured Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Limited, Bad
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
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- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
Indigo® Mastercard® for Less than Perfect Credit
Celtic Bank
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Poor/Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
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- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
PREMIER Bankcard® Mastercard® Credit Card
First PREMIER® Bank
Annual Fee
N/A
Credit Needed
Fair/Poor
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
N/A
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
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- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
Capital One SavorOne Cash Rewards Credit Card
Capital One®
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases with a $39 annual fee
- No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
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- Help strengthen your credit for the future with responsible card usage
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Get access to exclusive reservations at award-winning restaurants and tickets to unforgettable culinary experiences with Capital One Dining
- Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
- Top rated mobile app