Credit Cards for Poor Credit Scores and No Credit History

So, you need a credit card, but you've got poor credit or no credit history. What do you do? The cards listed below can help you build credit for the first time, or rebuild your credit back to where it used to be.

Many of the cards you'll be looking at are secured credit cards, where you secure a small line of credit through a cash deposit. This helps prevent overspending, which can lead to bad credit behavior. Also, these cards regularly report your credit activity to major credit bureaus, so good behavior is quickly rewarded with an increase in your credit score. Finally, depending on the card, you may or may not have an annual fee associated with the card as well. Don't delay your opportunity to build your credit up; browse credit cards for poor credit below, courtesy of our partners. Our online application portal is very secure to ensure your information is safe.

Credit One Bank® Cash Back Credit Card

at our partner's
secure site

  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.74% - 24.74% Variable

$0 - $99

Bad Credit

Total VISA® Unsecured Credit Card

at our partner's
secure site

  • 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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Terms*

See Terms*

Bad/Fair

Surge Mastercard® Credit Card

at our partner's
secure site

  • 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
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Terms*

See Terms*

Bad Credit

Indigo® Platinum MasterCard®

at our partner's
secure site

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$0 - $99

Bad/Poor

Official NASCAR® Credit Card from Credit One Bank®

at our partner's
secure site

  • Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
  • $0 Fraud Liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Choose your monthly payment due date for added convenience, terms apply
  • Accounts are automatically reviewed for credit line increases, a fee may apply
  • Get free access to your credit score online
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

17.15% - 24.65% Variable

$0 - $99

Bad Credit

Milestone® Gold MasterCard®

at our partner's
secure site

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90%

$35-$99 (varies by credit level)

Bad/Poor

Horizon Gold Card

at our partner's
secure site

  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

0% (Fixed)

$24.95 benefits plan membership will be auto-debited monthly

Bad Credit

Credit One Bank® Unsecured Platinum Visa®

at our partner's
secure site

  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Show off your style with a premium card design, a fee may apply.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.74% - 24.74% Variable

$0 - $99

Bad Credit

Credit One Bank® Unsecured Visa® for Rebuilding Credit

at our partner's
secure site

  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • 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.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.74% - 24.74% Variable

$0 - $99

Bad Credit

Milestone® MasterCard®

at our partner's
secure site

  • Card designs to fit your personality at no extra charge
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Our application is quick and easy with instant pre-qualification available
  • Protection from fraud, if your card happens to be lost or stolen
  • Unsecured credit card, no deposit required
  • Pre-qualifying today will not affect your credit score
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$35-$99 (varies by credit level)

Bad Credit

Indigo® MasterCard®

at our partner's
secure site

  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$0 - $99

Bad Credit

Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!

at our partner's
secure site

  • Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
  • A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
  • There's no annual fee and no application fee. See the complete WebBank/Fingerhut Credit Account Terms and Conditions.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Issuer Website

$0

Fair/Bad Credit

Indigo® Unsecured MasterCard®

at our partner's
secure site

  • No security deposit required
  • Card designs to fit your personality at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify for a card today and it will not impact your credit score
  • Accepted nationwide wherever MasterCard is accepted
  • Fast and easy decision on your application
  • Protection from fraud, if your card happens to be lost or stolen
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$0 - $99

Bad Credit

Credit One Bank® Unsecured Visa® Credit Card

at our partner's
secure site

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.74% - 24.74% Variable

$0 - $99

Bad Credit

The First Access VISA® Credit Card

at our partner's
secure site

  • Access credit even if you have poor or limited credit history
  • Quick and Easy Secure Online Application
  • A genuine VISA card accepted by merchants nationwide
  • Get a response in as little as 60 seconds!
  • Reporting to 3 major credit bureaus
  • Apply today! If approved Access your credit after paying a one-time processing fee.
  • Reports monthly to all three major credit bureaus
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Terms*

See Terms*

Fair/Bad Credit

OpenSky® Secured Visa® Credit Card

at our partner's
secure site

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

18.14% (Variable)

$35

No Credit Check

Milestone® Unsecured MasterCard®

at our partner's
secure site

  • No security deposit required
  • Pick from multiple card designs at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • 24/7 access to your account information, even on mobile
  • Simple and fast application process
  • Prequalify for a card today and it will not impact your credit score
  • Don't have perfect credit? No problem!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$35-$99 (varies by credit level)

Bad Credit

primor® Secured Visa Gold Card

at our partner's
secure site

  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

9.99% (Fixed)

$49

Limited/No Credit

primor® Secured Visa Classic Card

at our partner's
secure site

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

13.99% (Fixed)

$39

No Credit Check

Horizon Gold Credit Card

at our partner's
secure site

  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

N/A*

$24.95 benefits plan membership will be auto-debited monthly

Bad Credit

Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!

at our partner's
secure site

  • Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
  • A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
  • There's no annual fee and no application fee. See the complete WebBank/Fingerhut Credit Account Terms and Conditions.
Show More
 

Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

24.90%

$0

Bad Credit

First Progress Platinum Elite MasterCard® Secured Credit Card

at our partner's
secure site

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

19.99% (Variable)

$29

Bad Credit

First Progress Platinum Select MasterCard® Secured Credit Card

at our partner's
secure site

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

13.99% (Variable)

$39

Bad Credit

First Progress Platinum Prestige MasterCard® Secured Credit Card

at our partner's
secure site

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

9.99% (Variable)

$49

Bad Credit