Credit Cards for Low Credit Scores


Have a low credit score? These are our top-ranked partner credit card offers for people low credit scores [updated July 2021].
1
Aspiration

Aspiration
Apply Now  
on Coastal Community Bank's secure site

Aspiration

  •   Earn $150 when you spend $1000 in the first 60 days of account opening.
  •   Get up to 5% cash back on socially conscious spending at Conscience Coalition merchants [like TOMS, Warby Parker, and more]
  •   Get paid up to 2 days early
  •   55,000+ Fee-free ATM Network
  •   You pay what is fair, no hidden fees.
  •   Reforest the planet with every purchase roundup
  •   See business People & Planet impact scores as you shop


Annual Fee
Pay What You Think Is Fair, even if itÔÇÖs $0
Instant Approval
No
Card Type
Recommended Credit
 
 
 
 
Limited/PoorFair
2
Principal Platinum

Principal Platinum
Apply Now  
on horizon's secure site

Principal Platinum

  •   Instant Approval / $750 Credit Line!
  •   No Employment or Credit Check
  •   Reports to Major Bureau
  •   Bad Credit, No Credit - OK
  •   Always 0.0% APR
  •   Fast Online Applications


Annual Fee
See website for Details*
Instant Approval
Yes
Card Type
Unsecured Store Card
Recommended Credit
 
 
 
 
Damaged/Fair

OpenSky® Secured Visa® Credit Card

  •   No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  •   The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  •   Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  •   99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  •   We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  •   OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  •   *View our Cardholder Agreement located at the bottom of the application page for details of the card


Annual Fee
$35
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
No Credit Check

Applied Bank® Secured Visa® Gold Preferred® Credit Card

  •   Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  •   Absolutely No Credit Check or Minimum Credit Score Required
  •   Automatic Reporting to All Three National Credit Bureaus
  •   9.99% Low Fixed APR - Your Rate WonÔÇÖt Go Up Even if You Are Late
  •   Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime


Annual Fee
$48
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
Limited/PoorFair
5
Freedom Gold Card

Freedom Gold Card
Apply Now  
on Horizon's secure site

Freedom Gold Card

  •   $750 Unsecured Credit Limit
  •   Instant Approval*
  •   No Credit Check
  •   No Employment Check
  •   Fast online application
  •   Reports to a Major Bureau
  •   Bad Credit - OK


Annual Fee
See website for Details*
Instant Approval
Yes
Card Type
Unsecured Store Card
Recommended Credit
 
 
 
 
Damaged credit to Fair credit

Merrick Bank Double Your Line™ Secured Visa®

  •   Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  •   Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  •   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 100% U.S.-based customer service & 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.


Annual Fee
$36 the first year. Billed $3 per month thereafter
Instant Approval
No
Card Type
Secured
Recommended Credit
 
 
 
 
See website for Details