Loading
Tap on the profile icon to edit
your financial details.

Best Credit Cards for Poor Credit

Your Details Done
by Elizabeth Smith & Heather Swick | Updated Mar. 28, 2017
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.

Overview

If you've had some bad luck with credit, you may find that a lot of credit cards require good or excellent credit for approval, making it difficult to qualify for new credit cards. This not only makes it challenging to get access to a line of credit but build credit as well. Luckily, a number of issuers have introduced high-quality credit cards for consumers with fair credit. Today, poor credit offers range from cards with cash back to those with low interest rates. Keep reading to see our picks for the best credit card offers for poor credit. See More

Best Rewards Credit Card for Poor Credit

More Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, unlimited 1% cash back on all your other purchases.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • No late fee on your first late payment. And paying late won't raise your APR.

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

10.99% APR for 6 Months

Regular APR

23.49% Variable

Best Low Interest Credit Card for Poor Credit

More Details

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
  • *See application for additional details

Annual Fee

$39.00

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

13.99% (F)

Best Military Credit Card for Poor Credit

More Details

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.

Annual Fee

$35

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

10.40% - 20.40% Variable

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing balance transfer credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

Today's Credit Card Offers From Our Partners

Comparing
Add your details
Credit Score
Credit Rating
Select Your Credit Rating Do this later
Dismiss
Add your details
Card Type
Do this later
Dismiss
Update your information here.
OK
Filter Results
Reward Type
Annual Fee
Network
Filter Results
Cash Back/ Points ... Travel/ Entertainment ... Other ...
Any None Up to $20 Up to $60 Up to $100 Up to $500
Visa ... MasterCard ... American Express ...
Reward Type


Annual Fee





Network


Cancel
Advertiser Disclosure
Institution
Annual Fee
Regular
Purchase APR
Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
Unfortunately, your credit score is low to qualify for this card type.
Start building your score with one of our secured card offers.

Raise Your Credit Score Today

At NCC, we listen to you, assess your situation, and build a comprehensive custom credit repair plan that addresses your specific needs.
Raise My Score
We are currently unable to find credit cards that fit your criteria. Please change your criteria or take our quiz to find the best credit card for you.
Take the Quiz
Searching for Credit Cards...
Data provided by Informa Research Services and CJ Affiliate.
Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset does not include all card companies or all card offers available in the marketplace.
Best Credit Cards on SmartAsset.com Best Credit Cards by Issuer Best Credit Cards by Credit Score
How helpful was this page in answering your question?
not helpful
very helpful
​If you could change one thing about ​this page what would it be?​
Thank you for your answer! Your feedback is very important to us.
We are working hard to improve our product and could use your help!
We pay $30 for 30 minutes on the phone to hear your thoughts on what we can do better.
Please enter your email if you'd like to be contacted to help.

Please enter your name