Credit Quality
Card Issuer

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® Visa® Credit Card

at our partner's
secure site

  • Find the card that's right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don't get stuck with a payment date that doesn't work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

17.24% - 25.24% Variable

$0 - $99

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

18.64% (Variable)

$35

No Credit Check

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

Credit One Bank® Unsecured Visa® with Cash Back Rewards

at our partner's
secure site

  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll notify you as soon as you're eligible for a higher credit line. A fee may apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Make payments, see recent transactions, and update your account preferences all from the palm of your hand with the Credit One Bank mobile app
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank's card gallery. 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

17.24% - 25.24% Variable

$0 - $99

Bad Credit

Credit One Bank® Unsecured Visa® with Free Credit Score Tracking

at our partner's
secure site

  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

17.24% - 25.24% Variable

$0 - $99

Bad Credit

Fingerhut Credit Account issued by WebBank

at our partner's
secure site

  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
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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® 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

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

  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

17.24% - 25.24% 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

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

UNITY® Visa Secured Credit Card

at our partner's
secure site

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

9.95% for 6 months

17.99% (Fixed)

$39

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

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!
  • Helps strengthen your credit with responsible card use. Reports to three national 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

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!
  • Helps strengthen your credit with responsible card use. Reports to three national 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

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

Official NASCAR® Credit Card from Credit One Bank®

at our partner's
secure site

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore, terms apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
  • Zero Fraud Liability ensures that your account is protected against unauthorized charges.
  • Enjoy more buying power with credit line increase opportunities, a fee may apply.
  • Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

17.24% - 25.24% Variable

$0 - $99

Bad Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

at our partner's
secure site

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

9.99% (Fixed)

$48

Bad Credit

Luxe Signature

at our partner's
secure site

  • 0% Interest for Members!
  • The Power to Purchase!
  • Shop with Confidence!
  • Low Monthly Payments!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

N/A

$20 (monthly)

Bad Credit

Next Millennium

at our partner's
secure site

  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

N/A

$19.99 (monthly)

No Credit Check