Credit Cards

Credit cards for poor credit: 10 best options

A poor credit score makes getting financing and even a credit card difficult. Check out good options to find a card with a poor credit score.

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by Sabrina Paes

Published on 12/04/2022

You can enjoy many perks on a card, even with poor credit!

woman thinking
See which are the best credit cards for poor credit scores! Source: Pexels

Having a credit card for those with poor scores can be a big challenge. However, there are many credit cards for poor credit available. They have varying APR rates as well as an annual fee.

credit card

10 best credit cards for limited credit

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!

These cards allow you to rebuild your credit score and improve your financial life. However, it is important to be careful not to get into more debt and make your score go down. Learn more about these options.

Poor credit? Here are the 10 best credit cards for you!

credit cards
See the best card options to build your poor credit! Source: Pexels

If you have poor credit, don’t worry. You won’t run out of cards. After all, many operators are concerned with providing cards to those who do not have a good track record.

However, it is important to prepare your savings because APR rates can be as high as your credit score. However, you will be able to enjoy good limits and not run out of money when you need it most.

Thinking about helping you improve your financial health, we brought here 10 ideal options for those who have poor credit. Review the options and choose the one that best fits your goals. Know more!

1) PREMIER Bankcard® Mastercard® Credit Card

The PREMIER Bankcard® Mastercard® Card is the option that can save you if you need to build credit!

  • Credit Score: Bad (at least 500);
  • Annual Fee: $50 to $125 based on creditworthiness;
  • Regular APR: 36% variable APR;
  • Welcome bonus: N/A;
  • Rewards: N/A.
Premier bankcard card

How to apply for the PREMIER Bankcard® Mastercard®

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!

2) Net First Platinum

If you love shopping at the Horizon Outlet, this card can help you make purchases with no APRs! Even though it doesn’t report to any credit bureau, you can use it to make purchases with no interest!

  • Credit Score: Bad/Poor;
  • Annual Fee: $177.24 ($14.77 per month);
  • Regular APR: 0%;
  • Welcome bonus: None;
  • Rewards: No rewards, but the card offers roadside assistance, legal assistance, prescription benefit, and privacy protection plan.
net first platinum

How to apply for the Net First Platinum card

Get your card and start shopping at the Horizon Outlet website today! Here’s a step-by-step guide on how to apply for a Net First Platinum card.

3) Destiny credit card

The Destiny card could be perfect if you’re looking for a credit card to help you achieve your goals. This card comes with a fixed APR and a fair annual fee, making it an excellent choice for anyone looking to save money.

  • Credit Score: Poor – Fair;
  • Annual Fee: $75 First Year, $99 every year after that;
  • Regular APR: 24.90%;
  • Welcome bonus: N/A;
  • Rewards: None.
Destiny card dark blue

How to Apply Destiny Credit Card

The Destiny credit card can be a powerful tool in the process of getting your finances in order. If you want to take the first step, read on and learn how to apply.

4) Revvi Credit Card

If you have a low credit score and are looking for an easy credit card, the Revvi card is perfect! It comes with a 1% cash-back program and reports all payments to help you increase your ratings.

  • Credit Score: At least 300/Poor;
  • Annual Fee: $75 for the first year, then $48 annually;
  • Regular APR: 34.99% variable;
  • Welcome bonus: N/A;
  • Rewards: 1% cash back in payments after 6 months.
  • Terms apply.
Revvi card

How to apply for the Revvi Credit Card

Looking for an unsecured credit card with cash back bonuses? The Revvi card might suit your needs. With a fast application process, you get an immediate decision!

5)  Surge® Platinum Mastercard®

Rebuilding credit is important to expand possibilities. In this sense, the Surge® Platinum Mastercard® Credit Card can help you improve your credit score and get a loan or line of credit.

  • Credit Score: Bad/Fair/Poor;
  • Annual Fee: See terms;
  • Regular APR: 24.99% to 29.99% variable;
  • Welcome bonus: N/A;
  • Rewards: This card does not offer a rewards program.
Surge Mastercard® Credit Card

How to apply for the Surge® Platinum Mastercard®

A good credit score may be all you need and Surge Mastercard® Credit Card can help. See how to apply correctly and be approved.

6) Merrick Bank Double Your Line® Mastercard®

The Merrick Bank Double Your Line® Mastercard® is also an interesting option for those who need credit. After all, it has a reasonable annual fee and fair APR depending on your finances. Check out!

  • Credit Score: Poor;
  • Annual Fee: See terms;
  • Regular APR: See terms;
  • Welcome bonus: N/A;
  • Rewards: N/A.
Merrick Bank logo

Apply for Merrick Bank Double Your Line Platinum

In this quick step-by-step you will see how easy it is to apply for a Merrick Bank Double Your Line Platinum Visa card. Read on to learn more!

7) Total Visa® Card

Total Visa® Card
Learn more about this card! Source: Total Card Visa®

The Total Visa® Card is a versatile and useful option for rebuilding your credit score. In this sense, it is not necessary to have a good credit score to apply!

  • Credit Score: Bad/Fair/Poor;
  • Annual Fee: $75 for the first year, then $48 annually;
  • Regular APR: 34.99% variable;
  • Welcome bonus: N/A;
  • Rewards: This card does not offer a rewards program.
Total Visa® Card

How to apply for the Total Visa® Card

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

8) Zebit – Buy Now & Pay Over Time

The Zebit card – Buy Now & Pay Over Time is a good option for those who don’t like to pay an annual fee. It does not offer benefits but reports good use to the country’s main credit agencies.

  • Credit Score: Poor to Good;
  • Annual Fee: $0;
  • Regular APR: 0% APR for 6 months;
  • Welcome bonus: N/A;
  • Rewards: This card does not offer a rewards program.

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

10) Milestone® Mastercard® – Less Than Perfect Credit Considered

The Milestone® Mastercard® – Less Than Perfect Credit Considered is great for rebuilding credit. You can report to the main credit bureaus in the country. In this way, you will be able to recover the credit lost.

  • Credit Score: Bad;
  • Annual Fee: $35 to $99;
  • Regular APR: 24.9% variable;
  • Welcome bonus: N/A;
  • Rewards: N/A.
Milestone® Mastercard® - Less Than Perfect Credit Considered

Apply for the Milestone® Mastercard® Considered

The challenge of rebuilding credit is common to many people. Milestone® Mastercard® – Less Than Perfect Credit Considered is an option that can help. See how to apply!

Find other options: best credit cards for bad credit

Poor credit scorecards can help you get out of this condition. After all, they help reconstruct credit with the main agencies in the country.

Still haven’t found the ideal credit card option for you? Then know, there is also a list of the best cards for bad credit scores. Check out this post below, and choose yours right now!

credit cards

Best credit cards for bad credit: top 10 options

A credit-building card is a great option to improve your bad credit score and get a better financial life. So, read our list of the best credit cards for bad credit!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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