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.

Emporium Black Card

Credit Line
Up to $5,000
Monthly Fee
None
Regular APR
See website for Details*
Credit Needed
Poor/Fair/Limited/Damaged

Highlights

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time

Credit One Bank® Visa® with Credit Line Increase Reviews

Intro Rate
N/A
Intro Period
N/A
Regular APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
Balance Transfer
N/A
Credit Needed
Poor/Bad

Highlights

  • 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.
  • Flexible payment date to assist you in making your payments on time.

Total Visa® Card

Intro Rate
N/A
Intro Period
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Activation Fee
See Terms*
Credit Needed
Fair/Bad Credit

Highlights

  • 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

First Access Visa® Card

Intro Rate
N/A
Intro Period
N/A
Regular APR
See Terms
Annual Fee
See Terms
Balance Transfer
N/A
Credit Needed
Fair/Bad

Highlights

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Checking account required
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.


Fingerhut Credit Account

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

Highlights

Fingerhut Credit Account (issued by WebBank)

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

Milestone® MasterCard® - Bad Credit Considered

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

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.

*Dependent on credit worthiness


Surge MasterCard® Credit Card

Intro Rate
N/A
Intro Period
N/A
Regular APR
See Terms
Annual Fee
See Terms
Balance Transfer
See Terms
Credit Needed
Fair/Poor

Highlights

  • 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

Indigo® MasterCard® for Less than Perfect Credit

Intro Rate
N/A
Intro Period
N/A
Regular APR
23.9%
Annual Fee
$0 - $99
Balance Transfer
N/A
Credit Needed
Bad/Poor

Highlights

  • Pre-qualify for a card today and it will not impact your credit score
  • All credit histories considered
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.

Freedom Gold Card

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

Highlights

  • $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.

*See site for details


Progress Credit

Regular APR
See website for Details*
Annual Fee
See website for Details*
Credit Line
See website for Details*
Credit Needed
See website for Details*

Highlights

  • 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!

*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.