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Cards for Poor Credit

Similar to secured cards, but requiring no deposit, these cards are accessible to individuals with lower-than-average credit. Browse credit cards from our partners below:

  • Regular Purchase APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for the first 15 months from the date of account opening
  • Balance Transfer APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.74% to 26.74% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Introductory 0% purchase APR for 15 months
  • Introductory 0% APR for 15 months on balance transfers made within 60 days of account opening
  • No fee on balance transfers made within 60 days of account opening
  • Access to credit and budgeting education and free monthly FICO Score reports
  • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 15 months from the date of account opening
     Regular Purchase APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 15 months for transfers made within 60 days from the date of account opening
     Balance Transfer APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 17.74% to 26.74% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required:
     Credit Needed: Fair , No Credit Required

  • Regular Purchase APR 19.99%
  • Intro Purchase APR
  • Balance Transfer APR
  • Cash Advance APR 19.99%
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Ideal for establishing or building a strong credit history
  • Good credit or a bank account is not required to apply for a card
  • Enjoy the convenience of making security deposits at retail stores
  • Use your card everywhere Visa is accepted
Rates & Fees
     Intro Purchase APR:
     Regular Purchase APR: 19.99%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR:
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 19.99%
     Cash Advance Transaction Fee: Either $5 or 5% of the amount of each transaction, whichever is greater
     Penalty APR:
     Annual Fee: $39
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $27
     Return Payment Penalty Fee: Up to $27
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $200
     Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 24.74% variable based on the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 24.74% variable based on the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Requires minimum $300 deposit (refundable)
  • Free access to monthly updated FICO® Score
  • Digital wallet compatible
  • No annual fee
  • Overdraft protection
Rates & Fees
     Intro Purchase APR:
     Regular Purchase APR: 24.74% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 24.74% variable based on the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction
     Cash Advance APR: 26.74% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $300
     Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 24.9%
  • Intro Purchase APR
  • Balance Transfer APR
  • Cash Advance APR 29.9%
  • Annual Fee $0 to $99 depending on the card issued
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Great for demonstrating responsible use of credit
  • Short and easy-to-complete pre-qualification form
  • 24/7 mobile account access
  • Choose your card design free of charge
Rates & Fees
     Intro Purchase APR:
     Regular Purchase APR: 24.9%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR:
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 29.9%
     Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction.
     Penalty APR: 29.9%
     Annual Fee: $0 to $99 depending on the card issued
     Foreign Transaction Fee: 1% of each transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: Up to $39
     Minimum Deposit Required:
     Credit Needed: Poor

  • Regular Purchase APR 24.9%
  • Intro Purchase APR
  • Balance Transfer APR
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Choose your custom card design
  • Free 24/7 online account access
  • Quick pre-qualification with no impact to credit score
  • Mastercard® Gold Benefits
Rates & Fees
     Intro Purchase APR:
     Regular Purchase APR: 24.9%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR:
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 29.9%
     Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
     Penalty APR: 29.9%
     Annual Fee: $35 to $99
     Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: Up to $39
     Minimum Deposit Required:
     Credit Needed: Poor

  • Regular Purchase APR 36%
  • Intro Purchase APR
  • Balance Transfer APR
  • Cash Advance APR 36%
  • Annual Fee $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Quarterly FICO® score is provided free of charge with monthly billing statement
  • Ideal for consumers with less than perfect credit
  • Free online account access
  • Forget about late fees by enrolling in PREMIER Auto Pay
Rates & Fees
     Intro Purchase APR:
     Regular Purchase APR: 36%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR:
     Balance Transfer Transaction Fee:
     Cash Advance APR: 36%
     Cash Advance Transaction Fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR:
     Annual Fee: $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee:
     Minimum Deposit Required:
     Credit Needed: Poor

  • Regular Purchase APR
  • Intro Purchase APR
  • Balance Transfer APR
  • Cash Advance APR
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network N/A
Best Benefits
  • 0% purchase APR
  • No credit check required
  • Fast online application
  • Includes access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits
Rates & Fees
     Intro Purchase APR:
     Regular Purchase APR:
     Intro Balance Transfer APR: N/A
     Balance Transfer APR:
     Balance Transfer Transaction Fee: None
     Cash Advance APR:
     Cash Advance Transaction Fee: None
     Penalty APR:
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: $20
     Return Payment Penalty Fee: $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required:
     Credit Needed: No Credit Required

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.