Credit Cards for Poor Credit

We know that it can be frustrating trying to apply for a new credit card when you have poor credit. That's why our experts have created this guide, providing you with useful tips on what to do and not do as you approach the credit application process. Click on the images below to get specific advice from our experts.

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  • How to choose the right card?

    What to Avoid

    What To Avoid When Applying

    When you have poor credit, a secured card might be the only type of credit card you qualify for. Nevertheless, you should still look for the cards that offer the best terms, and be aware of the total costs of the card you apply for. Secured cards that have application fees and very high interest rates, as well as monthly fees rather than annual fees can be a more expensive choice in the long run. In addition, secured cards without a grace period can also be a more costly choice over time, as a grace period allows you to avoid interest charges when you pay your statement balance in full before the due date.
    What to Look For

    What To Look For When Applying

    When you have poor credit and are looking for a credit card, your only option may be a secured card. Thankfully, there are competitive secured cards available from several major reputable banks. You will want to look for a card with reasonable fees and interest rates that are not excessive. Other features to look for can include automated payment alerts via text messages or email, and even rental car insurance benefits. You may want to consider opening a secured card account at a bank where you also have a checking or savings account so that you can view all of these accounts in one place, and payments are simplified. Finally, consider applying to an issuer that offers regular credit cards in addition to secured cards, because you may have the option of graduating to a standard credit card once your credit score improves.
    Apply for More than one?

    Should You Apply For More Than One?

    When you have poor credit, applying for multiple accounts may have a negative impact on your credit score, which is best to keep to a minimum. And if you are applying for secured credit card accounts, be aware that you will have to submit multiple security deposits, which can be expensive. In addition, it may be more beneficial to you at this time to focus on paying a single account on time every month; having multiple accounts can make that harder to do. Once you have a track record of on-time payments for at least a year, you can apply for a standard account, and later, additional accounts as necessary.

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*For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.Lenders may use different score models and you may not have the same score.

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