These are some of the most popular credit cards from our partners. We've outlined some key features along with what to like and what to look out for. You can also search all credit cards on Credit Karma for more options.
Cards for Poor Credit (549 or Lower)
With poor credit, your options for credit cards are somewhat limited. Most companies won't provide a credit line without a deposit and virtually all credit cards are going to charge monthly fees. However, if used responsibly, these cards may be the best way to start establishing or rebuilding your credit. Below are our favorite cards for poor credit offered by our credit card partners.
- No annual fee, with all the credit building benefits
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- Your minimum security deposit gets you a $200 credit line
- You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It’s a credit card accepted at millions of locations worldwide
Pros & Cons
- No processing or application fees
- High interest rate
- Security deposit
The Capital One® Secured MasterCard® is a good option for people with little or no credit history who are looking to build their credit.
What to Like
This Capital One® Secured MasterCard® has no set up or processing fees. Capital One® reports to all three major credit bureaus so you can take steps to build your credit history. While this card does require an initial security deposit, Capital One® may increase your credit limit without any additional deposits if you use your credit responsibly.
Look Out For
Secured credit cards are great for building credit, but they typically come with annual fees and a required security deposit--and without rewards. It’s important to use your credit responsibly in order to build toward a card with more attractive perks.
- Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Issued by Mid America Bank & Trust Company, Member: FDIC
Pros & Cons
- Reports to all three major credit bureaus
- Limited credit histories may qualify
- No security deposit required
- Annual, processing and monthly servicing fees
- High APR
The First Access VISA® Credit Card is a solid option for people looking to build or rebuild their credit scores.
What to Like
Since the First Access VISA® Credit Card reports monthly to all three major credit bureaus, you can use this card to start building your credit with on-time payments and other responsible use. The card is geared toward those looking to build credit, so people with limited credit histories may qualify. Finally, the card is unsecured, meaning you won’t have to pay a deposit to get access to your credit.
Look Out For
There are a few notable fees to contend with here. There’s an $89 processing fee and a $75 annual fee in your first year, and then a $48 annual fee and a $6.25 monthly servicing fee thereafter. At 29.99%, this card also comes with a high APR on purchases and cash advances.
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from February 2015 through July 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.