Poor Credit – CardBenefit

Best Subprime Credit Cards to Build Credit

CardBenefit — Sat, 27 Jul 2024 05:56:43 +0000

How to Build Credit History

Using a subprime credit card can be an effective strategy for rebuilding your credit. You have the option of choosing between an unsecured subprime card or a secured credit card. By using the card responsibly, you’ll establish a positive payment history. Your credit report will reflect the positive impact of this responsible usage, and as your credit improves, you may qualify for traditional credit cards with better terms.

Unsecured Subprime Cards

Unsecured subprime cards don’t require a deposit but may come with higher interest rates and fees. Those with poor or damaged credit and prior bankruptcies may qualify for unsecured subprime cards. After you improve your credit, you may qualify for traditional credit cards. Check out the following unsecured subprime cards:


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Destiny Mastercard^® Hide Benefits No security deposit, and a path to better credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. An unsecured card great for everyday purchases '> Show Benefits	See terms	N/A	See terms	Poor To GoodApply Now View Card Details
A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. No security deposit, and a path to better credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. An unsecured card great for everyday purchases
Reflex^® Platinum Mastercard^® Hide Benefits Show Benefits	35.90% Fixed APR	N/A	$75 - $125	Fair / Poor / Bad / LimitedApply Now View Card Details
Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
OpenSky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	28.99% (Variable) APR	N/A	$0	No Credit, Poor, FairApply Now View Card Details
No annual fee - keep more money in your pocket! No credit check required - 89% approval rate with zero credit risk to apply! Earn up to 10% cash back on everyday purchases Boost your credit score fast-2 out of 3 OpenSky^® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO^® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay Start with as little as $300 - Secure your line with a refundable security deposit Fast and easy application-apply in minutes with our mobile-first experience Flexible payment options-pick a due date that works for you More time to fund-spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky^® to build better credit!
First Latitude Assent Mastercard^® Secured Credit Card Hide Benefits Show Benefits	28.24% (V) APR	N/A	$0	Poor / Limited / NoApply Now View Card Details
Choose the First Latitude Assent Card and enjoy $0 Annual Fee! Secure your credit line with your refundable security deposit - choose from $200- $2,000. With the ability to increase up to $5,000 over time! Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Designed to push you forward on your credit building journey with $0 Annual Fee. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹ All credit types welcome to apply! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. *See Important Disclosures for complete offer details
First Progress Platinum Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	18.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
OpenSky^® Secured Visa^® Credit Card Hide Benefits Show Benefits	24.64% (Variable) APR	N/A	$35	No Credit, Poor, FairApply Now View Card Details
Earn up to 10% cash back on everyday purchases No credit check required - 89% approval rate with zero credit risk to apply! Boost your credit score fast-2 out of 3 OpenSky^® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO^® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay Start with just $200-secure your credit line with a refundable deposit Fast and easy application-apply in minutes with our mobile-first experience Flexible payment options-pick a due date that works for you More time to fund-spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky^® to build better credit!
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	22.70% Variable APR	N/A	$36 for first year. Billed $3 per month thereafter	See Website For Details*Apply Now View Card Details
Choose your own credit line based on how much money you want to put down as a security deposit. Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000. After 9 months, we review your account for a credit line increase. No additional deposit required! Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds. Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies. Get your FICO^® Credit Score for free each month. Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts. Card issued by Merrick Bank, Member FDIC.
First Progress Platinum Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	18.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Prestige Mastercard^® Secured Credit Card Hide Benefits Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ All credit types welcome to apply! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. '> Show Benefits	14.24% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards with First Progress Prestige! Apply now and fund your security deposit over 90 days with the option to make partial payments. You Can't Rebuild credit with a Debit Card. Try First Progress Today! ¹ Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ All credit types welcome to apply! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Poor Credit – CardBenefit

Best Subprime Credit Cards to Build Credit

How to Build Credit History

Unsecured Subprime Cards

Secured Credit Cards

Conclusion

Best Credit-Building Cards of August 2025

No Annual Fee Credit Card to Build Credit

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Best Secured Credit Cards of August 2025

Best Secured Cards

Alternative Secured Credit Cards

Best Credit Cards to Rebuild Credit History

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