Credit Cards

10 best credit cards for limited credit: improve your finances

Having limited credit is bad for future financing and interest rates. See how you can improve your limit with our list of the best credit cards for limited credit!

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The best way to build a positive credit history

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Learn the best cards for limited credit! Source: Adobe Stock

Rebuilding credit is not an easy task. However, you can rely on the best credit cards for limited credit. After all, these are types of cards that help with credit recovery for those who need it.

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Best student credit cards of 2022: 7 great options

If you want to know the best student credit cards in 2022, you've come to the right place! This post will show you the best options according to the analysis.

However, it is important to analyze the options available in the market. After all, there are many card options with different APR rates and interest rates. So, check out the list we’ve separated to help you choose.

Compare 10 top cards for people with limited credit and pick your favorite

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Check out our list of the best cards! Source: Adobe Stock

Knowing which are the best credit cards for limited credit is not simple. After all, many things must be analyzed before hiring an operator. That way, you avoid unpleasant situations during the hiring process.

Attention to detail is important to make a good credit card choice. In this regard, you should evaluate the associated fees, annual fees, and benefits.

Check out below the best options we’ve separated to help you!

1) Petal® 1 “No Annual Fee” Visa® Credit Card

The Petal 1 Visa credit card, issued by WebBank, has alternative ways of determining people’s creditworthiness other than relying on FICO scores only. The issuer does not require any security deposits.

  • Credit Score: Limited;
  • Annual Fee: $0;
  • Regular APR: 22.99% – 32.49% variable APR;
  • Welcome bonus: N/A;
  • Rewards: Up to 10% cash back on select merchants.

Is this the best credit card for your credit-rebuilding needs? If so, read our post below to learn how to apply!

Petal 1 Visa credit card

How to apply Petal® 1 “No Annual Fee” Visa® Credit

Ready to get a credit card fast and easy? Here is what you can expect when you apply for the Petal 1 Visa card.

2) PREMIER Bankcard® Mastercard® Credit Card

The PREMIER Bankcard® Mastercard® Credit Card is an option for those with not-so-good credit.

Only 500 as a credit score qualifies you to apply for this option. APR rates are determined based on your credit score; the higher the score, the lower the rates.

  • Credit Score: Qualify with a limited score (at least 500);
  • Annual Fee: $50 to $125 based on creditworthiness;
  • Regular APR: 36% variable APR;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Learn how to apply for this credit-building card in our application post below!

premier bankcard credit card

Apply for the PREMIER Bankcard® Mastercard® Card

Not everyone has a good credit history. But, a lot of people need a credit card. See how the PREMIER Bankcard® Mastercard® Card can help!

3) First Digital Mastercard®

With limited credit, it can be difficult to build new credit. Therefore, the First Digital Mastercard® may be an ideal option if this is your case.

In addition, the company reports the good use of credit to the agencies, which can improve your score.

  • Credit Score: 300 minimum;
  • Annual Fee: $75.00 for the first year. After that, $48.00 annually;
  • Regular APR: 35.99% variable APR for purchases and cash advances;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Is this card what you’ve been looking for? If so, read our post below to learn all about the application process!

First Digital Card

How to apply First Digital Mastercard®

The First Digital Mastercard® is ideal for anyone with a bad credit score. Learn how to apply and increase the chances of approval.

4) FIT Mastercard®

Fit mastercard credit card
Learn about the FIT Mastercard®! Source: Fitcard

Not everyone has a good credit score; Fit MasterCard credit card knows that. However, having a credit card is important for building a good relationship with healthy using credit.

  • Credit Score: 300 minimum;
  • Annual Fee: Read terms;
  • Regular APR: 29.99% variable;
  • Welcome bonus: No welcome bonus;
  • Rewards: No rewards.

If you only need to build credit to then get better financial product deals, the FIT Mastercard can be your choice! So, read our post below to learn how to apply for it!

How to apply FIT Mastercard®

Facing financial trouble can happen to everybody. But you can always rebuild your economic life with good information and discipline. The Fit Mastercard can help you.

5) Petal® 2 “Cash Back, No Fees” Visa® Credit Card

If you want a credit card with rewards and a good APR, the Petal 2 Visa card can be your option. You’ll be able to qualify with limited credit (540 and up) and build it up.

  • Credit Score: Limited credit;
  • Annual Fee: No monthly fees;
  • Regular APR: 15.99% to 29.99% variable APR;
  • Welcome bonus: None;
  • Rewards: 1% to 1.5% cash back at eligible purchases.

6) First Access Visa® Card

The First Access Visa® Card is ideal for those who need a card and do not have a good credit score. It can be requested easily over the internet, and approval is obtained quickly if everything is okay.

  • Credit Score: Limited;
  • Annual Fee: $75 for the first year, $48 annually thereafter;
  • Regular APR: 34.99% variable APR;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Are you interested in this card? If so, you can learn all bout how to apply for it in our post below. So, check it out!

First Access Visa® Card

How to apply First Access Visa® Card

You can get a good credit card even with a low score. Just read our post and learn how to apply for the First Access Visa® Card!

7) Total Visa® Card

With this credit card, you’ll be able to recover your limited credit as fast as possible. However, you’ll need to make all your monthly payments on time and use the card responsibly!

  • Credit Score: Limited credit;
  • Annual Fee: $75 for the first year. Then, $48 annually;
  • Regular APR: 34.99% for purchases and cash advances;
  • Welcome bonus: None;
  • Rewards: None.

If you’re interested in this option and want to learn how to apply for it, check out our post below!

Total Visa® Card

Applying for the Total Visa® Card: learn how!

Is rebuilding credit a problem for you? See how to apply for the Total Visa® Card and recover your credit score.

8) Freedom Gold Card

The Freedom Gold credit card can be an interesting option if you have been having difficulties getting approved for a new credit card.

This card will accept applicants with limited or no credit without running employment or credit checks.

  • Credit Score: Limited;
  • Annual Fee: $177.24 annually ($14.77/month);
  • Regular APR: 0%;
  • Welcome bonus: N/A;
  • Rewards: N/A.

If you love to make purchases at the Horizon Outlet, this can be your card choice. So, read our post below to learn about the application!

Freedom Gold credit card

How to apply Freedom Gold Card

The Freedom Gold card is an excellent no-red-tape option for individuals with poor credit who need to get their hands on a credit card fast. Let us help you do that.

9) Discover it® Secured Credit Card

The Discover it® Secured Credit Card is an excellent choice for anyone looking for rewards at restaurants and gas stations. It offers a relatively high APR rate but with a nice intro benefit.

  • Credit Score: Limited or no credit history;
  • Annual Fee: $0;
  • Regular APR: 25.99% variable APR for purchases and intro APR of 10.99% for balance transfers for 6 months from the date of your first transfer. Then, 25.99%;
  • Welcome bonus: Personalized rewards during the first use of the card through Cashback Match. There are no minimum or maximum limits for this condition;
  • Rewards: 2% cash back at gas stations and restaurants, capped up to $1,000 per quarter (combined purchases), 1% unlimited cash back on all other purchases.
  • Terms apply.

10) Deserve® EDU Mastercard for Students

The Deserve® EDU Mastercard for Students is another great option for anyone starting their financial life. Students can benefit from 1% cashback on multiple purchases and a reasonable APR rate for this benefit.

  • Credit Score: Limited or no credit;
  • Annual Fee: $0;
  • Regular APR: N/A;
  • Welcome bonus: N/A;
  • Rewards: 1% cashback on all eligible card purchases.

Find other options: best credit cards for no credit

As you can see, there are more than 10 options among credit cards for those with limitations. Opting for these types of cards can help rebuild your credit and improve your financial health.

However, there are also good options if you don’t have any kind of credit. For example, you may be starting your financial life and need to build a good track record.

Check out the options for these situations in our post below!

girl with credit card options

7 best credit cards for no credit

You can build credit and have a card with a good limit, even without having a history. So, read on to see the best credit cards for no credit!

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