Credit Cards

Best cards for poor credit: get a good one!

We know it can be challenging to find a good credit card with a damaged score. But if you read this post you'll find the best ones in the market!

Advertisement

Find great credit card options for poor scores: these ones have the best features

best cards poor credit
Learn how to rebuild your credit with the help of a card. Source: Adobe Stock.

We’ve made some research to find the best credit cards for poor credit scores. Because it can be hard to find a decent credit card if you damage your score. But it is possible! You can get a good credit card regardless of your credit score, and this post will prove it.

Don’t let bad issuers trick you into thinking your only option is to pick an expensive card with no benefits. They will not be the best card in the world, but if you use it strategically to build a strong credit score, you will soon be able to apply for a rewards credit card with many benefits.

The following list has some of the best credit cards for poos score in the market. If you don’t have any of these, you can choose one and apply for it. Get your score back on track with one of these cards. 

If you have a bad history, these cards may be the ones for you: check it out! 

If you need a credit card but have poor credit, you have two options. You can pick a secured card, which requires a security deposit but charges fewer fees and lower interests. Or you can choose the unsecured ones, with no security deposit and slightly higher fees and APR. Both ways will lead you to the same result: building a better credit score. Check the best cards for poor credit and pick the best for you.

Chime Credit Builder Visa Credit Card

Credit ScorePoor/Average
Annual Fee$0
Regular APR23.74% variable

Chime Credit Builder card highlights

  • This secured credit card works a little differently. You don’t have to place a security deposit. Instead, you’ll open a Chime banking account to link to your credit card. Your credit limit will be the amount of money you have on this account.
  • No possibility of overspending and creating debt. Stay debt-free!
  • Chime is not a bank. It is a fintech that offers financial services, like checking accounts and one of the best credit cards for people with poor credit
  • Don’t worry about your credit score, as they will not check yours.
  • also, don’t worry about APR. you will pay no interest, as your credit card bill will be linked to your account like a debit card.
  • Build your credit score, by reporting your usage to major credit bureaus.

Capital One Quicksilver Secured Cash Rewards

Credit ScoreNo credit score required
Annual Fee$0
Regular APR26.99% variable

Capital One Quicksilver Secured card highlights

  • Build your credit score with responsible use and track it for free with CreditWise. 
  • Start with a $200 security deposit. This will be your credit limit to use your card wherever Capital One is accepted. Your deposit can be higher if you want to.
  • You don’t have to pay any fee to have this card, so every dollar you get as cash back will be worth it.
  • For every purchase you make, Capital One will give you 1.5% back.
Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured card review

Find out everything you need to know about the Capital One Quicksilver Secured Cash Rewards Credit Card, including a breakdown of its key features, benefits, and cons.

Capital One Quicksilver Secured Cash Rewards Credit Card

How to get the Capital One Quilcksilver Secured?

Find out why the Capital One Quicksilver Secured Cash Rewards Card is a great credit card. Learn more about its features and apply online in minutes.

Discover It Secured credit card

Credit ScoreNo credit check
Annual Fee$0
Regular APR23.74% variable

Discover It Secured card highlights

  • Earn rewards while you rebuild your credit score!
  • If you make your payments always on time, you can get your deposit back within 7 months, transitioning to an unsecured credit line.
  • The annual fee is $0 to use this card everywhere Discover is accepted.
  • Discover will give you 2% cash back on restaurants and gas stations on up to $1,000 per quarter. 
  • If your purchase doesn’t qualify for the bonus cash back, you still get 1% on everything else.
  • Your security deposit is your credit limit, and you can start with a $200 deposit.

OpenSky® Secured Visa® credit card

opensky secured visa credit card
Meet the OpenSky® Secured Visa® credit card. Source: The Post New.
Credit ScorePoor/No credit
Annual Fee$35
Regular APR17.64% variable

OpenSky® Secured Visa® credit card highlights

  • Instant reply to your application, with no credit check.
  • Charges a $35 annual fee, and you can start with a $200 security deposit.
  • After 6 months of responsible use, Open Sky will consider you for a credit limit increase.
  • Build your credit score with the best credit card for repairing poor credit, as it reports to all three credit bureaus. 
opensky secured visa credit card

OpenSky® Secured Visa® credit card review

This card will give you the best opportunity to rebuild your score. And if has a special condition for approvement. Read on to learn more.

opensky secured visa credit card

How to get the OpenSky Secured Visa?

If you need a second chance to use a credit card, OpenSky has a special offer for you. Read this post to learn how you can get it.

Secured Sable ONE credit card

Credit ScoreLimited/Bad
Annual Fee$0
Regular APR11.74% variable

Secured Sable ONE card highlights

  • Open your Sable bank account to enjoy the best secured card for people with poor credit.
  • The rewards rate range from 1% to 2% cash back on your purchases. The more you use your card, the more you’ll earn in rewards!
  • In your first year, Sable will give you a gift: they’ll double all of your cash back.
  • No minimum deposit and your credit limit will be equal to it. So, you can decide how much you’d like to keep as collateral. But you can qualify for an unsecured line in just a few months if you’re a responsible user.
Secured Sable ONE credit card

Secured Sable ONE credit card review

Are you after a secured credit card to help get your credit score back on track? Then meet the Secured Sable ONE Credit Card! Read our review for all the details.

Secured Sable ONE credit card

Secured Sable ONE credit card application

Tired of bad credit? Learn how to apply for the Secured Sable ONE Credit Card and start repairing your score today! Get 2% cash back with no annual fee.

US Bank Cash+® Visa® Secured Credit Card

Credit ScoreBad
Annual FeeNo annual fee
Regular APR26.74% variable

US Bank Cash+® Visa® Secured Credit Card highlights

  • Your security deposit can be as low as $300 or as high as $5,000
  • Get peace of mind with fraud protection. You won’t be held accountable for purchases that you haven’t authorized. 
  • Excellent rewards rate that goes up to 5% cashback on selected purchases. 
  • The variable APR can be a little salty, but if you make responsible use and make your payments always on time it will not be an issue.
U.S. Bank Cash+® Visa® Secured Credit Card

US Bank Cash+® Visa® Secured Credit Card review

Check out the U.S. Bank Cash+® Visa® Secured Credit Card, which comes with cash back rewards and no annual fee! Read our review below.

U.S. Bank Cash+® Visa® Secured Credit Card

US Bank Cash+® Visa® Secured Card application

Wondering how to apply for the U.S. Bank Cash+® Visa® Secured Credit Card? This post will walk you through the application process step-by-step. Read on to learn more!

Also, searching for low-risk investments to start with?

Investmments and asset allocation concept. Where to Invest? News
Find the best investment to start with. Source: Adobe Stock.

Once you get your best credit card for poor credit, you’ll soon have a great credit score! Just use it the right way, paying on time and keeping a good distance between your credit limit and your credit usage. 

And to get your finances in shape, you should also think about investing some money. The future seems far away until it arrives sooner than you expected. But you don’t need to take big risks to start investing. You can pick a low-risk investment like the ones we present to you in the following content. 

coins and money savings investments

Safe investments with the best low-risk options

You don't need to take high risks to start investing, Pick one of these low-risk investments and you'll keep your money safe.

Trending Topics

content

African Bank Personal Loan application

The application process for the African Bank Personal Loan is quick, easy, and can get you the funds you need when you need them.

Keep Reading
content

Extra debit card review: is it worth it?

Most debit cards don't give you benefits. But this Extra debit card review will show you how to build credit and get rewards using this card.

Keep Reading
content

Bloomingdale’s American Express® Card application: Get your Amex credit card!

Looking for a credit card with high rewards and no annual fee? Get one with our Bloomingdale’s American Express® Card application guide.

Keep Reading

You may also like

content

How to make money using the internet: Simple ways to increase your budget!

If you’re short on cash or currently unemployed, there are some simple ways you can make money using the internet! Read on to learn more.

Keep Reading
content

Citi Rewards+® review: 0% intro APR and welcome bonus

The Citi Rewards+® credit card review will tell you about the 0% intro APR, 20,000 bonus points, Citi ThankYou Points, and much more!

Keep Reading
content

OneMain Financial review: get a personal loan easily

OneMain Financial Personal Loans to get flexible payments with low rates, even with a low credit score. Read this OneMain Financial review!

Keep Reading