Subprime Cards to Build Credit

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If you have poor credit, you can apply for subprime cards that are designed to help rebuild your credit history. Many subprime cards will accept you even if your credit score is low. You just need to complete your application with correct personal information. Once you are approved for a new credit card account, your responsible payment records will be reported to major credit bureaus, which improves your credit.

Citi Secured Mastercard: No Annual Fee

Citi® Secured Mastercard® has no annual fee. It has all the credit building benefits. It builds your credit by reporting your responsible payments to all 3 major credit bureaus.

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted - worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 23.24%. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
N/A
Intro APR Period
N/A
Regular APR
23.24% (Variable)
Annual Fee
$0

Capital One Quicksilver Secured Cash Rewards Credit Card: 1.5% Cash Back

Capital One Quicksilver Secured Cash Rewards Credit Card provides people who have poor credit with a chance to rebuild their credit histories, with an opportunity to earn 1.5% cash back on purchases. It has no annual fee.

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
Intro APR
N/A
Intro APR Period
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0

Reflex Mastercard: Pre-Qualification

Reflex Mastercard® lets you pre-qualify for the offer without impacting your credit score.

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you're Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 - $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Intro APR
N/A
Intro APR Period
N/A
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms

Additional Credit Building Offers

In addition to the above offers, 35 other cards can help you build credit too.

>> Click here to see more credit cards that help you build credit <<

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Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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