Poor Credit

Poor Credit

Card options in the poor credit category are typically narrower than those in the good or fair categories. In general, the credit score range for this category is between 501 and 580.** Consumers that qualify for cards in this category can expect to see higher APRs, higher fees, and limited rewards programs. Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.

FasterMoney™ Visa® Prepaid Card

  • Get paid fast with free* direct deposit
  • No overdraft fees - spend only what you load
  • No credit check required (pending ID verification)
  • Get cash from a 24,000 fee-free ATM** network
  • Issued by MetaBank®, Member FDIC
Activation Fee Monthly Fee Direct Deposit Fee ATM Fee Credit Needed
$0 $3.95 or $0 with monthly $500 direct deposit load $0 $0 for MoneyPass ATM network (fees apply out of network) No Credit Check (pending ID verification)

*Other fees may apply, see website for details
**Fees may apply if out of network

Milestone Gold MasterCard®

  • Previous bankruptcy OK
  • Quickly pre-qualify with no impact to your credit score
  • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
  • Choose your custom card design - Free
  • Free online account access – 24/7

A MasterCard credit card accepted at over 35 million locations.

Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 23.9% $35 - $99* N/A Poor/Fair

*Dependent on credit worthiness

MyCreditCardMatch

  • Let us match you with a card offer
  • No-hassle card offer search
  • Free and easy card offer search

Looking for a card offer that matches your needs? Use our free and easy service to find your card offer match!

Start your card offer search here! Use our free and easy search and compare service to find a card offer that meets your needs. No matter what your credit history is, we’ll look for the card offer that matches your needs.

Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See website for Details* See website for Details* See website for Details* See website for Details* See website for Details* Any credit welcome

Credit One Bank® - Earn More Credit Fast

  • Get Pre-Qualified without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • 1% cash back on gas & groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A Poor

Surge MasterCard® Credit Card

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A See Terms See Terms See Terms Fair/Poor

Total Visa® Credit Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 29.99% $75.00 for the first year, $48 annually after that N/A Fair/Poor

Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included

  • Get Pre-Qualified without harming your credit score.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, you could receive credit line increase opportunities
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A Poor

Credit One® Unsecured Visa® Card

  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
  • Pick your payment due date to fit your schedule.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A Poor

Next Millennium

  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!

The Next Millennium Online Superstore is a members-only club for online shopping. Purchase your products now and enjoy our low monthly payments. Only $19.95 per month with a one-time enrollment fee.

Credit Line Regular APR Monthly Fee Credit Needed
$1000.00 0% APR N/A Damage credit to Fair credit

Credit One® Platinum Visa® for Building Credit

  • Get Pre-Qualified without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
  • Pick your payment due date to fit your schedule
  • Automatic reviews for credit line increase opportunities
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A Poor

Vast Platinum

  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly Payments!
  • Enjoy amazing benefits like 24/7 Roadside Assistance. Legal Assistance.
  • Low payments of only $19.95/mo.
  • No Credit Checks & No Credit Turndowns!

Enjoy a $1,000.00 Credit Line!

We won't check your credit and you will not be denied for bad credit. Buy Now... Pay Later! Purchase your products now and enjoy our low monthly payments.

Credit Line Regular APR Monthly Fee Credit Needed
$1,000.00* See website for Details* See website for Details* See website for Details*

Freedom Gold Card

  • $500 Unsecured Credit Limit
  • Guaranteed Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK

You are pre-approved for a $500 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

Credit Line Regular APR Monthly Fee Credit Needed
$500 Limit 0% APR See website for Details* Damage credit to Fair credit

*See site for details

Horizon Gold – One Page

  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.

Credit Line Regular APR Monthly Fee Credit Needed Intro (Purchases) Intro (Balance Transfers)
$500 Limit 0% APR See website for Details* Damage credit to Fair credit N/A N/A

*See Terms & Conditions for Details

USAA Classic American Express®

  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 18.15% to 24.15%* $35* No* Poor to Fair*

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

USAA Secured Cards® American Express® Card

  • Best for members rebuilding or establishing credit.
  • It's a real credit card — not a debit or prepaid card.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 10.15% to 20.15%* $35* Yes* Establishing/Rebuilding

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

USAA Secured Card® Platinum Visa®

  • Best for members rebuilding or establishing credit.
  • It's a real credit card — not a debit or prepaid card.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 10.15% to 20.15%* See website for Details* Yes* Establishing/Rebuilding

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

USAA Classic Platinum Visa®

  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 18.15% to 24.15%* $35* No* Poor to Fair*

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

Progress Credit

  • Get both a Secured MasterCard® and an Unsecured VISA® Credit Card from our trusted partners with this unique program
  • The Secured Card offered by our partners at First Progress requires no credit history or minimum score for approval
  • The unsecured VISA card does not require perfect credit; our partners at First Access Card may approve you when others won’t
  • Open accounts with both VISA and MasterCard so you’ll always have access
  • Both accounts report activity separately to all three Credit Bureaus every month
  • Both cards are genuine credit cards with security protections and nationwide acceptance
  • Apply for both cards – or either card separately – the choice is up to you!
Regular APR Annual Fee Credit Line Credit Needed
See website for Details* See website for Details* See website for Details* See website for Details*

ACE Elite™ Visa® Prepaid Debit Card

  • Transfer money to another ACE Elite cardholder with no fee.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*

Need your money before payday? Get paid up to 2 days faster with direct deposit.*

Activation Fee Monthly Fee Direct Deposit Fee ATM Fee Credit Needed
See website for Details* See website for Details* No Fee See website for Details* None/Poor/Fair

*See Card Terms & Conditions for Details

Fingerhut Credit Account

Fingerhut Credit Account (issued by WebBank)

  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No annual fees
  • No overlimit fees

You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.

Credit Line Regular APR Monthly Fee Credit Needed
See website for Details* See website for Details* None Poor/Fair/Good

Discover it® Secured Credit Card – No Annual Fee*

  • No annual fee. No late fee on your first late payment. No increase to your APR for paying late.*
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Discover doubles all the cash back you’ve earned at the end of your first year. New cardmembers only.*
  • Your credit line will equal your security deposit amount of $200 or more.*
  • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your card benefits*.
  • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.*
  • See your FICO® Credit Score for free on monthly statements & online.*
  • Click “Apply Now.” *See rates, rewards, FICO® Credit Score terms and secured card information.
Intro Rate Intro Period Regular APR Annual Fee Intro Transfer APR Intro Transfer APR Period
See website for Details* See website for Details* 23.24% Variable* $0 10.99% 6 months

*See online credit card application for details on the terms and conditions.

**FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.




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