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
OneMain Financial®
OneMain Financial®
Annual Fee
N/A
Credit Needed
Poor to Excellent
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
N/A
- In business for 100+ years: A+ rating from BBB
- Simple loan terms with no prepayment penalties
- Fast. Loan decisions as quickly as 1 hour.
Show 1 more Show less
- Convenient. Apply online, by phone or at your local branch.
Business Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Credit cards specifically designed for the needs of small business owners
- Take advantage of sign-up bonus offers, flexible payment terms and business-focused reward categories
- Earn rewards points, miles or cash back on everyday business expenses
Show 3 more Show less
- Rewards can be redeemed for free travel, cash back, gift cards or merchandise
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Business Credit Cards from participating partners
Cash Back Rewards Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Earn up to 3% cash back on all purchases
- Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
- Earn sign-up bonuses after meeting initial spending thresholds
Show 2 more Show less
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners
Bad Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Bad/Poor/Damaged/Limited/No Credit/
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
No Annual Fee Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Good/Limited/Good/Bad/No Credit/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Enjoy cash back and travel rewards without incurring an annual fee!
- Plus, get 0% APR on purchases and balance transfers
- Earn lucrative sign-up bonuses once initial spending thresholds are met
Show 3 more Show less
- Perfect for those who dislike annual fees or can’t offset with rewards earning
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare No Annual Fee Credit Cards from participating partners
Student Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Good/Fair/Limited/No Credit
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Credit cards designed for college students that establish and build credit
- Access to higher credit line after making on-time payments
- Earn 1% cash back rewards on everyday purchases
Show 3 more Show less
- Free credit monitoring tools to watch credit score grow
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Student Credit Cards from participating partners
Low Interest Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Limited/No Credit/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Best for those who carry a balance from month to month
- Save even more with $0 annual fee card options
- 0% APR introductory rates on purchases and balance transfers up to 18 months
Show 4 more Show less
- Get even more value by earning 0% APR on a rewards-earning credit card
- Credit needed: Excellent/Good
- Terms vary by partner. Please see the card application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Low Interest Credit Cards from participating partners
Good Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Limited/No Credit/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Take advantage of your good credit to get competitive APRs and rewards
- Enjoy low rates and rewards for everyday spending
- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
Show 4 more Show less
- Bonus offers – up to 50,000 points or miles
- Good credit can lead to excellent credit – some cards provide free credit score monitoring
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Credit Cards for Good Credit from participating partners