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.
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Top Picks
1
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
Rates & fees apply. See issuer's website for full terms.
2
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)
Credit Needed
None/Poor
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
27.49% Variable (As of 1/1/2026)
- 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
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- 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.
3
opensky® Plus Secured Visa® Credit Card
Capital Bank N.A.
Annual Fee
$0
Credit Needed
No credit, Poor, Fair
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% (variable)
- 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
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- 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. See issuer's website for full terms.
4
opensky® Secured Visa® Credit Card
Capital Bank N.A.
Annual Fee
$35
Credit Needed
No credit, Poor, Fair
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.89% (variable)
- 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
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- 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. See issuer's website for full terms.
5
Capital One Platinum Secured Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Limited, Bad
Foreign Fee
0%
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
Rates & fees apply. See issuer's website for full terms.
6
FIT™ Platinum Mastercard®
The Bank of Missouri
Annual Fee
See terms
Credit Needed
Fair/Poor/Bad
Foreign Fee
3% of each transaction in U.S. dollars
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)
- 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.
7
Reflex® Platinum Mastercard®
Celtic Bank
Annual Fee
$75 - $125
Credit Needed
Fair/Poor/Bad/Limited
Foreign Fee
3% of each transaction in U.S. dollars
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)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Rates & fees apply. See issuer's website for full terms.
8
Indigo® Mastercard® for Less than Perfect Credit
Celtic Bank
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Poor/Fair
Foreign Fee
1% of each transaction in U.S. dollars
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.
Rates & fees apply. See issuer's website for full terms.
9
PREMIER Bankcard® Mastercard® Credit Card
First PREMIER® Bank
Annual Fee
N/A
Credit Needed
Fair/Poor
Foreign Fee
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.
Rates & fees apply. See issuer's website for full terms.
10
Destiny Mastercard® Cashback Rewards
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Poor to Good
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
- 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.
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- 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. See issuer's website for full terms.
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.
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