You can compare a maximum of 6 cards.

poor credit cards icon

Cards for Poor Credit

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


August 27, 2018

BankAmericard®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 15 months from the date of account opening
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  18.24% to 27.24% variable based on the Prime Rate
  • Credit Needed  Fair , Poor , No Credit Required


Best Benefits
  • • Ideal for building or establishing responsible use of credit
  • • Generous balance transfer terms, with introductory 0% APR and $0 balance transfer fees
  • • Get access to credit and budgeting education, as well as fee 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: 15.24% to 25.24% variable based on creditworthiness and 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: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: $0 introductory fee for transactions made within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 18.24% to 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , Poor , No Credit Required

August 16, 2018

Green
Learn More
Processing Network
Visa
  • Annual Fee  $39
  • Regular Purchase APR  19.99%
  • Cash Advance APR  19.99%
  • Credit Needed  Poor , No Credit Required


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: N/A
     Regular Purchase APR: 19.99%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     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: N/A
     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

August 27, 2018

BankAmericard®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  25.24% variable based on the Prime Rate
  • Balance Transfer APR  25.24% variable based on the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Establish or fortify your credit with benefits like no penalty APR and free monthly FICO Score reports
  • • After review of your credit history and activity, Bank of America may return your initial security deposit
  • • Build your knowledge of best credit practices with access to education on several topics, including money management
  • • Add your card to your mobile device for more convenience ways to shop in-store or online
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 25.24% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 25.24% variable based on the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
     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

July 30, 2018

First
Learn More
Processing Network
Mastercard
  • Annual Fee  $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
  • Regular Purchase APR  36%
  • Cash Advance APR  36%
  • Credit Needed  Poor


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: N/A
     Regular Purchase APR: 36%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: 36%
     Cash Advance Transaction Fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     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 each transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Poor

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.