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
Indigo^® Mastercard^® for Less than Perfect Credit Hide Benefits Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power. '> Show Benefits	35.9% APR	N/A	$175 the first year; $49 thereafter	Poor / FairApply Now View Card Details
Get the credit limit you deserve-$700 guaranteed if approved Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power.
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) Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
opensky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	28.24% (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 2 million+ cardholders who have used opensky^® to build better credit!
First Latitude Assent Secured Mastercard^® Hide Benefits Show Benefits	27.49% (V) APR	N/A	$0	Poor / Limited / NoApply Now View Card Details
Now offering Up To 10% Cash Back at select merchants with First Latitude!^^ Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹ Designed to push you forward on your credit building journey with $0 Annual Fee.¹ 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. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details. *See Important Disclosures for complete offer details
First Progress Select Secured Mastercard^® Hide Benefits Show Benefits	17.49% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^ Apply with no impact to your credit!¹ The first step to rebuilding your credit starts with just $200!¹ 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. ¹We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details. *See Important Disclosures for complete offer details

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Chase Freedom Rise^® Hide Benefits® Card Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey. No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise^® Card. Member FDIC '> Show Benefits	18.24% - 27.74% Variable rates & fees	18.24% - 27.74% Variable	$0	Excellent, Good, Limited, New To CreditApply Now View Card Details
Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening. Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise^® Earn Cash Back - With Chase Freedom Rise^®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time. Credit Limit Increase - As a Freedom Rise^® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise^® Card Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey. No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise^® Card. Member FDIC
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
Milestone^® Mastercard^® - 1.5% Cashback Rewards Hide Benefits Show Benefits	35.90% APR	N/A	$175 the first year; $49 thereafter	FairApply Now View Card Details
Turn everyday purchases into 1.5% Cashback Rewards! A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms. No upfront security deposit required so you can keep more money in your pocket. Join over a million consumers who are working on building their access to credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. A rewards card for people with less than perfect credit!
Indigo^® Mastercard^® for Less than Perfect Credit Hide Benefits Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power. '> Show Benefits	35.9% APR	N/A	$175 the first year; $49 thereafter	Poor / FairApply Now View Card Details
Get the credit limit you deserve-$700 guaranteed if approved Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power.
Total Visa^® Card Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	See Terms*	Fair / BadApply Now View Card Details
Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^ An initial credit limit Up To $500! (See terms) Checking account required. Free credit monitoring powered by TransUnion^® Fast and easy application process. All credit types welcome to apply. See Rates, Fees, Costs & Limitations for complete offer details ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
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) Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
First Latitude Assent Secured Mastercard^® Hide Benefits Show Benefits	27.49% (V) APR	N/A	$0	Poor / Limited / NoApply Now View Card Details
Now offering Up To 10% Cash Back at select merchants with First Latitude!^^ Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹ Designed to push you forward on your credit building journey with $0 Annual Fee.¹ 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. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details. *See Important Disclosures for complete offer details
opensky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	28.24% (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 2 million+ cardholders who have used opensky^® to build better credit!
First Latitude Elite Secured Mastercard^® Hide Benefits Show Benefits	23.49% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^ Secure your credit line with a refundable security deposit - as low as $200 to get started! Apply with no impact to your credit!¹ Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹ No minimum credit score required for approval! 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. ¹We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details. *See Important Disclosures for complete offer details

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
opensky^® Secured Visa^® Credit Card Hide Benefits Show Benefits	23.89% (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 2 million+ cardholders who have used opensky^® to build better credit!
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	21.95% 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 Select Secured Mastercard^® Hide Benefits Show Benefits	17.49% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^ Apply with no impact to your credit!¹ The first step to rebuilding your credit starts with just $200!¹ 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. ¹We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details. *See Important Disclosures for complete offer details
First Progress Prestige Secured Mastercard^® Hide Benefits Show Benefits	13.49% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^ A $200 refundable deposit is your first step toward better credit! Apply with no impact to your credit!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. ¹We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details. *See Important Disclosures for complete offer details

Poor Credit – CardBenefit

Best Subprime Credit Cards to Build Credit

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Unsecured Subprime Cards

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