Credit Cards for Poor Credit
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.
Advertiser Disclosure: CardCompareHub is an independent comparison service that may earn compensation through affiliate partnerships with card issuers. This may influence how and where products appear on this site, but does not affect our editorial opinions or card rankings. Read the full advertiser disclosure.
Top Picks
Mastercard
Rewards
No Annual Fee
No Foreign Fees
Gas
Credit Score
300
620
Bad - Limited
Annual Fee
$0
Rewards Rate
1.5% Cash Back on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- 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
Show 6 more Show less
- 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
Rates & fees apply. View the
Rates & Fees.
VISA
Credit Score
300
620
No Credit - Poor
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
27.49% Variable (As of 1/1/2026)
Apply Now
On Self's's website
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
- No credit check
Show 2 more Show less
- No hard inquiry
- $100 minimum security deposit* *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change. The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
Rates & fees apply. See issuer's website for full terms.
VISA
Cash Back
Rewards
No Annual Fee
Credit Score
300
680
No Credit - Fair
Annual Fee
$0
Rewards Rate
10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% (variable)
Apply Now
On Capital Bank N.A.'s website
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
Show 9 more Show less
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
Rates & fees apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
Credit Score
300
680
No Credit - Fair
Annual Fee
$35
Rewards Rate
10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.89% (variable)
Apply Now
On Capital Bank N.A.'s website
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Show 8 more Show less
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
Rates & fees apply. View the
Rates & Fees.
Mastercard
No Annual Fee
No Foreign Fees
Credit Score
300
620
Bad - Limited
Annual Fee
$0
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- 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
Show 6 more Show less
- 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
Rates & fees apply. View the
Rates & Fees.
Mastercard
No Annual Fee
Credit Score
300
680
Bad - Fair
Annual Fee
See terms
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
Apply Now
On The Bank of Missouri's website
- $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
Show 5 more Show less
- 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)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
Rates & fees apply. See issuer's website for full terms.
Mastercard
Credit Score
300
680
Bad - Fair
Annual Fee
$75 - $125
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
Apply Now
On Celtic Bank's website
- 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.
Show 6 more Show less
- 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)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Rates & fees apply. View the
Rates & Fees.
Mastercard
Credit Score
300
680
Poor - Fair
Annual Fee
$175 the first year; $49 thereafter
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
Apply Now
On Celtic Bank's website
- 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.
Show 4 more Show less
- 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.
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Credit Score
300
720
Poor - Good
Annual Fee
$175 the first year; $49 thereafter
Rewards Rate
1.5%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
Apply Now
On The Bank of Missouri's website
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
Show 4 more Show less
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
Rates & fees apply. View the
Rates & Fees.
10
VISA
Cash Back
Rewards
No Annual Fee
Credit Score
300
680
Poor - Fair
Annual Fee
See Terms*
Rewards Rate
Up to 10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
Apply Now
On MRV Banks's website
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
Show 5 more Show less
- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
Rates & fees apply. View the
Rates & Fees.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
Compare:
—
|
—
|
—
|
—
You can compare up to 4 cards at a time