A poor credit score doesn’t have to be an obstacle in your journey towards financial stability. Various options are available to help you rebuild your credit, including credit cards designed specifically for people with poor credit. Many issuers recognize the value of this financial tool in helping individuals get back on track and offer cards tailored to those with poor credit. Check out the offers detailed below if you need a credit card to improve your financial situation. This will help you select the offer that best fits your needs and get started on the path to financial recovery.
PREMIER Bankcard® Mastercard® Credit Card
Pre-qualify with no impact to your credit score
- Rating
- Credit Recommended
Fair/Poor
- Regular Purchase APR
See Issuer Website
- Annual Fee
See Terms
- Updated For
Sun 02 Mar 2025
- Full Details
Imagine® Visa® Credit Card
Up to $1,000 credit limit subject to credit approval
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Card Brand
Visa®
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Credit Recommended
Fair/Poor
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Annual Fee
As low as $99
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Regular Purchase APR
29.99% or 36% Fixed
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Rewards
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
- Full Details
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- Free Access to your Credit Score†
- The Imagine Card is issued by WebBank
*See Program Terms for important information about the cash back rewards program.
**Zero liability subject to Visa’s Zero Liability Policy.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.
Experian CreditMatch™
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
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Card Brand
See Terms
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Credit Recommended
Any Credit Welcome
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Annual Fee
See Terms
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Regular Purchase APR
See Terms
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Rewards
See Terms
- Full Details
Highlights
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
- Free Experian credit report and FICO® Score* included
- See estimated approval odds for select cards before you apply
- Check if you have pre-approved card offers
See your best matches based on you
- Simply sign in to see the credit cards that best match you
- Compare your best options and make your choice
- We apply your FICO® Score so you can apply with confidence
the secured Self Visa® Credit Card
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
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Card Brand
Visa®
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Credit Recommended
No Credit, New to Credit, Limited Credit, Bad, Poor
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Annual Fee
$25
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Regular Purchase APR
28.24% Variable
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Rewards
n/a
- Full Details
Highlights
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
*Limited Time Only: $0 Intro Annual Fee For Year 1 with the Self Card
- The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
- Use your card anywhere Visa® is accepted in the US.
- A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
- Get help staying on track with Autopay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
*$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
PREMIER Bankcard® Grey Credit Card
Pre-qualify with no impact to your credit score
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Card Brand
MasterCard®
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Credit Recommended
Fair/Poor
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Annual Fee
See Provider Website
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Regular Purchase APR
See Provider Website
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Rewards
n/a
- Full Details
Highlights
- Pre-qualify with no impact to your credit score
- Helping people build credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
GO2bank
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
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Card Brand
Visa®
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Credit Recommended
All Credit Types Considered
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Annual Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
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Regular Purchase APR
n/a
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Rewards
Earn up to 7% cash back when you buy eGift Cards in the app
- Full Details
Highlights
- Overdraft protection up to $200 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
Chime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Card Brand
Visa®
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Credit Recommended
Any Credit Welcome
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Annual Fee
$0.00
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Regular Purchase APR
0%
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Rewards
n/a
- Full Details
Highlights
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
- Credit Builder is a secured credit card
- No credit check to apply
- No annual fees
- No minimum security deposit*
- Limit risk of overspending
Eligibility Requirements
- 1. “Apply” for the Credit Builder Card
- 2. Chime Checking Account required to apply
Build Credit History
- Help increase your credit scores/FICO® Score by an average of 30 points¹
- Build credit history
- A better way to build credit
- Meet Credit Builder, a brand new way to build credit
- Using Credit Builder can build your credit history
- Start building credit history with money you’ve set aside
Safer Credit Building
- Turn on Safer Credit Building* to automatically pay your balance in full each month
- Your balance will be automatically paid on time², every month
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Ava
NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.
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Card Brand
MasterCard®
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Credit Recommended
Any Credit Welcome
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Annual Fee
$0.00
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Regular Purchase APR
0% interest
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Rewards
n/a
- Full Details
Highlights
Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.
With Ava, you can expect:
- No hidden fees
- 0% interest
- Instant account set up with no credit check
- $0.00 deposit/collateral required
Indigo® Mastercard® for Less than Perfect Credit
Higher limit than before, still no security deposit required!
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Card Brand
MasterCard®
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Credit Recommended
Bad/Poor/Fair
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Annual Fee
See Terms
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Regular Purchase APR
35.9%
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Rewards
n/a
- Full Details
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Current Build Visa® Credit Card
Credit for everyone - Regardless of your credit history!
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Card Brand
Other
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Credit Recommended
No to Good Credit
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Annual Fee
$0.00
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Regular Purchase APR
0.00%
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Rewards
Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
- Full Details
Highlights
- Credit for everyone – Regardless of your credit history!
- Get paid up to 2 days faster – Using Direct Deposit.
- Build credit not debt.
- Grow your savings – Earn up to a 4.00% Bonus on Savings Pods
Net First Platinum
$750.00 Line of Credit*
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Card Brand
Other
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Credit Recommended
Damaged credit to Fair credit
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Annual Fee
See Terms
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Regular Purchase APR
0.00%
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Rewards
n/a
- Full Details
Highlights
The Net First Platinum card could be the perfect card for you.
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
- No Employment or Credit Check
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
*See Card for Details