Poor Credit Credit Cards - ApplyNowCredit.com

Credit Cards for Poor Credit

Poor credit doesn’t have to stop you from reaching your financial goals. You simply need to get creative, such as by finding a poor credit credit card that can help boost your score. Many credit card issuers offer credit cards for poor credit, as they realize that this financial tool can help consumers get back on the right track. If your credit is poor and you need a credit card to improve your finances, check out some of the many offers detailed below.

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Arro Card

Start with credit limit up to $300, grow to $2,500

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : All Credit Types Accepted
  • Rewards : 1% cashback on gas and groceries
  • Annual Fee : $60* (*discounted in Year 1 for starting credit lines under $300)
  • Monthly Fee : N/A
  • Regular APR : 24.99%
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : n/a
  • Rewards : n/a
  • Annual Fee : See Terms
  • Monthly Fee : N/A
  • Regular APR : n/a
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

GO2bank™

Overdraft protection up to $300 with opt-in and eligible direct deposit*

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : All Credit Types Considered
  • Rewards : Earn up to 7% cash back when you buy eGift Cards in the app
  • Annual Fee : $0.00
  • Monthly Fee : n/a
  • Regular APR : n/a
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

  • Overdraft protection up to $300 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Current Build Visa® Credit Card

Credit for everyone – Regardless of your credit history!

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : No to Good Credit
  • Rewards : n/a
  • Annual Fee : $0.00
  • Monthly Fee : N/A
  • Regular APR : 0.00%
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.

  • Credit for everyone – Regardless of your credit history!
  • Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
  • No minimum security deposit required.
  • Enjoy instant gas hold removals.
  • Reports monthly to all three major credit bureaus.
  • View Product Disclosures

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Bad/Poor/Fair
  • Rewards : N/A
  • Annual Fee : $175 the first year; $49 thereafter
  • Monthly Fee : $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Regular APR : 35.9%
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page
Rates & Fees

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Chime Card™

No Credit Check to Apply6

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : All Credit Welcome
  • Rewards : Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
  • Annual Fee : N/A
  • Monthly Fee : N/A
  • Regular APR : N/A
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

Card Details Page

Apply Now LEARN MORE
Get Your Credit Report

Poor Credit

the secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Any Credit Rating
  • Rewards : n/a
  • Annual Fee : $0 ($25 Annual Fee after the first year.)^
  • Monthly Fee : N/A
  • Regular APR : 27.49% (Variable)
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month.

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair/Poor
  • Rewards : N/A
  • Annual Fee : See Provider Website
  • Monthly Fee : See Provider Website
  • Regular APR : See Provider Website
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Imagine® Visa® Credit Card

Up to $1,000 credit limit subject to credit approval

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Fair/Poor
  • Rewards : Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
  • Annual Fee : As low as $99
  • Monthly Fee : N/A
  • Regular APR : 36% Fixed
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • No Security Deposit
  • The Imagine Card is issued by WebBank
  • Review Cardholder Agreement for rate and fee information

*See Program Terms for important information about the cash back rewards program.

**Zero liability subject to Visa’s Zero Liability Policy.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Net First Platinum

$750.00 Line of Credit*

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged credit to Fair credit
  • Rewards : N/A
  • Annual Fee : See website for Details*
  • Monthly Fee : N/A
  • Regular APR : 0.00%
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair
  • Rewards : See Website for Details
  • Annual Fee : $175 the first year; $49 thereafter
  • Monthly Fee : $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Regular APR : 35.90%
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page
Rates & Fees

Highlights

  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • 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.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair/Good
  • Rewards : n/a
  • Annual Fee : See Terms
  • Monthly Fee : See Terms
  • Regular APR : See Terms
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page
Rates & Fees

Highlights

  • Greater access to credit than before – $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7

Card Details Page

Apply Now APPLY NOW
Get Your Credit Report

Poor Credit

Group One Platinum Card

Bad Credit, No Credit? No Problem!

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged/Fair
  • Rewards : N/A
  • Annual Fee : See website for Details*
  • Monthly Fee : N/A
  • Regular APR : 0.00%
  • Updated for : Tue 24 Feb 2026
  • More Details : View Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

Card Details Page

Additional Resources

Credit Spotlight : Arro Card

Arro Card
Arro Card : A Smarter, Simpler Way to Build Credit For millions of consumers, building or rebuilding credit can feel like navigating a maze of deposits, denials, and confusing fine print. The Arro Card was created to change that experience—offering a modern, user-friendly credit-building card designed specifically for people who want progress, not punishment. Rather than focusing on rewards or complex features that only benefit prime borrowers, the Arro Card is purpose-built to help everyday consumers establish positive credit habits, gain
Continue Reading »

Credit Spotlight: Current Build Visa® Credit Card

Current Build Visa® Credit Card
Mastering the Art of Building Credit with Current Build Visa® Credit Card Building credit is an essential part of financial success. Whether you're applying for a mortgage, renting an apartment, or even getting a new job, your credit history plays a crucial role. However, establishing and improving credit can be challenging, especially for those with little or no credit history. In this article, we will explore the importance of building credit and how the Current Build Visa® Credit Card can
Continue Reading »

Credit Spotlight: Destiny Mastercard®

Destiny Mastercard
Do you have imperfect credit? Has it stopped you from obtaining a credit card in the past? Are you hoping to improve your situation in the future? If you answered yes to these questions, the Destiny Mastercard® may be just what you’re looking for. Quick Overview All the benefits of a Mastercard, without a security deposit Keeping your account in good standing may help establish and/or improve your credit history Less than perfect credit is okay, even with a prior
Continue Reading »

If you have a Poor Credit history and score, you’ve probably found it quite difficult to get a credit
card. Here at Apply Now Credit, we put some light at the end of the Poor Credit tunnel by
compiling a listing of Poor Credit credit cards that accept applicants with bad, damaged and
dinged credit ratings.

Issued by top-rate providers, these Poor Credit credit cards are designed solely for those who
may be at risk of having their applications denied by standard credit card providers. Although
most come with relatively high interest rates, responsible use and timely payments can improve
your credit score and allow you to get credit cards with better rates in the future.

For example, First Progress offers a range of cards featuring expedited processing options that
help get a Poor Credit credit card in your hands quickly — perfect for when you need funds in a
hurry. Monthly reporting to the three major credit bureaus — Experian, Equifax and
TransUnion — means that on-time repayments get reported and your credit score rises, helping
you establish a better rating.

Some of these Poor Credit credit cards require that you pay a small processing fee, and many
only provide small credit limits at the beginning. But just as you can improve your credit score
with responsible use, providers can also raise your limit as they see you working to improve
your financial habits. The fast, easy and secure online applications here at Apply Now Credit
can get you results in as little as 60 seconds.

Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

Office Location

Attn: LeadDemand.com - 3350 Shelby St. Suite 200 #1015 Ontario, CA 91764

Contact Information

Email: support@applynowcredit.com
Phone: Customer Service

Cards by Credit

Card Categories

Personal Loans

Resources

Company


Apply Now Credit

About Our Ratings
We are not a lender. Instead, we partner with lenders and credit card banks that are willing to provide our audience with credit and loan products. We have no control over rates, fees, and other terms and conditions. This is determined by your lender, based on a variety of factors. We never make credit and/or loan offers and we don’t broker online loans and/or lines of credit. Also, we don’t make credit decisions. This website will submit the information provided by you to partner lenders and/or credit card banks. However, this does not guarantee that you will receive approval for any type of loan or line of credit. The operator of this website is not a broker, agent, or representative of any lender or credit line provider.

Advertiser Disclosure
We have agreements with our credit card banks and lending partners that allow us to receive compensation when someone applies or gets endorsed for a loan, credit card, or any other type of financial product throughout our website. Even with this agreement in place, all of the provided information is accurate, to the best of our knowledge, and provided in a neutral manner. Compensation may impact the products we review and survey, as well as their position on our website. We strive to provide a comprehensive guide to our users, but realize that our website does not include every product from every financial institution.

Office Location : Attn: LeadDemand.com - 3350 Shelby St. Suite 200 #1015 Ontario, CA 91764    Contact Us : support@applynowcredit.com    Phone Support    Customer Service

Copyright © 2026 | ApplyNowCredit.com | All Rights Reserved | Choose the Right Credit Card in seconds