Do you wish to know the best credit cards for poor credit score? Are you a housewife? Or a woman who is married and has several kids? Of course, you know how much you spend every month to meet the needs of your little family. Starting from the needs of basic materials to the needs of children.
In fact, I’m sure, children’s needs are even greater than you ever imagined when you weren’t married. It can sometimes be overwhelming and frustrating. This is a common thing and is felt by many parents.
Relax, you are not alone!
I am also a housewife and now I have a two years old son. At least I have to spend 1500$ per month for my little baby. The good news is that I am a fast learner. I take a lot of finance classes. Knowing how to choose the right credit card for my family’s needs with the best deal of course. Incredibly, I am very grateful, I can save various types of costs and expenses for my child. Here are seven credit cards for poor credit score.
Table of Contents
The Best Credit Cards for Poor Credit Score
Do not forget to try these credit card especially if you are a housewife.
Surge® Platinum Mastercard®
Why we like it:
- The Surge® Platinum Mastercard® stands out in a crowded market of credit-building cards.
- Its unsecured nature is a big advantage, sparing users the need for an initial deposit.
- The monthly reporting to major credit bureaus provides a tangible path toward credit improvement.
- Additionally, the potential for a credit limit increase after six months of responsible use is a promising feature for those looking to expand their available credit.
Annual Fees
$75 – $99
Regular APR
29.99% (Variable)
Credit Required
Fair to Poor
Annual Fees
$75 – $99
Regular APR
29.99% (Variable)
Credit Required
Fair to Poor
Why we like it:
- The Surge® Platinum Mastercard® stands out in a crowded market of credit-building cards.
- Its unsecured nature is a big advantage, sparing users the need for an initial deposit.
- The monthly reporting to major credit bureaus provides a tangible path toward credit improvement.
- Additionally, the potential for a credit limit increase after six months of responsible use is a promising feature for those looking to expand their available credit.
- Initial credit limit of $300 – $1,000 (subject to available credit).
- Sign up for electronic statements to receive your Vantage 3.0 Score Credit Score from Experian.
- Fast and easy application process with results in seconds.
- Checking account required.
- No security deposit required for an initial credit line of up to $1,000.
- Allows credit building for individuals with fair to poor credit.
- Monthly reporting to major credit bureaus aids in credit score improvement.
- Higher annual fee compared to some other credit-building cards.
- The variable APR is on the higher end.
- Limited additional features beyond credit limit increase.
Reflex® Platinum Mastercard®
Why we like it:
- For individuals seeking to rebuild their credit without the need for a security deposit, the Reflex® Platinum Mastercard® provides a viable option. Boasting an A+ rating from the Better Business Bureau, this card reports to all three major credit bureaus, which is crucial for establishing a positive credit history.
- Moreover, the potential for a credit limit increase after six months of on-time payments offers a tangible incentive for responsible credit management.
- The Reflex® Platinum Mastercard® also offers a unique opportunity for credit growth. Initially granting a credit limit of $300 to $1,000, this limit has the potential to double to $2,000 provided the first six monthly minimum payments are made punctually.
- Additionally, the card provides free access to your Vantage 3.0 score from Experian when you opt for e-statements, aiding in tracking your credit progress. The fast and straightforward application process, coupled with acceptance at Mastercard®-affiliated locations, adds to its appeal.
Annual Fees
See Terms
Regular APR
29.99% APR (Variable)
Credit Required
Fair/Poor/Limited
Annual Fees
See Terms
Regular APR
29.99% APR (Variable)
Credit Required
Fair/Poor/Limited
Why we like it:
- For individuals seeking to rebuild their credit without the need for a security deposit, the Reflex® Platinum Mastercard® provides a viable option. Boasting an A+ rating from the Better Business Bureau, this card reports to all three major credit bureaus, which is crucial for establishing a positive credit history.
- Moreover, the potential for a credit limit increase after six months of on-time payments offers a tangible incentive for responsible credit management.
- The Reflex® Platinum Mastercard® also offers a unique opportunity for credit growth. Initially granting a credit limit of $300 to $1,000, this limit has the potential to double to $2,000 provided the first six monthly minimum payments are made punctually.
- Additionally, the card provides free access to your Vantage 3.0 score from Experian when you opt for e-statements, aiding in tracking your credit progress. The fast and straightforward application process, coupled with acceptance at Mastercard®-affiliated locations, adds to its appeal.
- Prospective applicants can check if they're pre-qualified without impacting their credit score, providing valuable insight into their eligibility.
- The Reflex® Platinum Mastercard® welcomes individuals across a spectrum of credit profiles, making it accessible for those with fair to poor credit.
- The card reports activity to all three major credit bureaus on a monthly basis, ensuring consistent progress in building credit.
FIT® Platinum Mastercard® - Best Credit Cards for Poor Credit Score
Why we like it:
- The FIT Mastercard stands out in the realm of credit cards tailored for individuals with a less-than-ideal credit history. Its initial credit limit of $400 is generous, allowing users to engage in everyday activities like shopping, dining, and even travel.
- The promise of doubling the credit limit after consistent, on-time payments provides a clear path towards improving creditworthiness.
- Moreover, the Mastercard Zero Liability Protection offers peace of mind by safeguarding cardholders against unauthorized charges. This level of security is invaluable, especially for those navigating the process of rebuilding their credit.
- Additionally, the monthly reporting to all three major credit bureaus ensures that responsible credit behavior is duly recognized and contributes positively to one's credit score.
Annual Fees
$0
Regular APR
Variable APR
Credit Required
All credit types welcome
Annual Fees
$0
Regular APR
Variable APR
Credit Required
All credit types welcome
Why we like it:
- The FIT Mastercard stands out in the realm of credit cards tailored for individuals with a less-than-ideal credit history. Its initial credit limit of $400 is generous, allowing users to engage in everyday activities like shopping, dining, and even travel.
- The promise of doubling the credit limit after consistent, on-time payments provides a clear path towards improving creditworthiness.
- Moreover, the Mastercard Zero Liability Protection offers peace of mind by safeguarding cardholders against unauthorized charges. This level of security is invaluable, especially for those navigating the process of rebuilding their credit.
- Additionally, the monthly reporting to all three major credit bureaus ensures that responsible credit behavior is duly recognized and contributes positively to one's credit score.
- Fast and easy application process, delivering results in seconds for potential cardholders.
- Monthly reporting to major credit bureaus (TransUnion, Experian, and Equifax) for accurate credit history.
- Free monthly credit score access, especially valuable for credit rebuilding, available to e-statement enrollees.
Revv
Why we like it:
- The Revvi Visa® Credit Card provides a crucial opportunity for individuals with poor credit to begin their journey toward financial recovery. Reporting to all three major credit bureaus is a powerful tool in building a positive credit history.
- Additionally, the cash-back rewards, while not groundbreaking, offer a small incentive for responsible credit use.
- However, it's essential for potential cardholders to be aware of the fees and high APR associated with this card. Diligence in paying off balances in full each month is paramount.
Annual Fees
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Regular APR
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Credit Required
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Annual Fees
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Regular APR
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Credit Required
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Why we like it:
- The Revvi Visa® Credit Card provides a crucial opportunity for individuals with poor credit to begin their journey toward financial recovery. Reporting to all three major credit bureaus is a powerful tool in building a positive credit history.
- Additionally, the cash-back rewards, while not groundbreaking, offer a small incentive for responsible credit use.
- However, it's essential for potential cardholders to be aware of the fees and high APR associated with this card. Diligence in paying off balances in full each month is paramount.
- Initial credit limit of $300; consider 20% fee for credit limit increase.
- $29 annual fee for additional cards; assess necessity based on financial situation.
- Optional "premium" plastic card design under $10; personal preference, no functional impact.
- Inclusive for individuals with poor credit scores
- Reports to all three major credit bureaus
- Provides cash-back rewards for responsible credit use
- High initial fees, including the program fee
- Monthly service fee after the first year
- High fixed APR at 35.99%
- Limited redemption options for cash-back rewards
First Digital
Why we like it:
- The First Digital Card is a beacon of hope for individuals striving to overcome a less-than-ideal credit history. Its zero annual fee makes it accessible to a wide range of consumers.
- The 1% cash back feature is a generous offering, considering the target demographic, and provides an immediate benefit for responsible usage.
- Furthermore, the card's straightforward application process, coupled with the availability of a mobile app for easy account management, makes it user-friendly and convenient.
Annual Fees
$0
Regular APR
29.99%
Credit Required
Poor to Fair (300-670)
Annual Fees
$0
Regular APR
29.99%
Credit Required
Poor to Fair (300-670)
Why we like it:
- The First Digital Card is a beacon of hope for individuals striving to overcome a less-than-ideal credit history. Its zero annual fee makes it accessible to a wide range of consumers.
- The 1% cash back feature is a generous offering, considering the target demographic, and provides an immediate benefit for responsible usage.
- Furthermore, the card's straightforward application process, coupled with the availability of a mobile app for easy account management, makes it user-friendly and convenient.
- With responsible use, First Digital Card offers opportunities for credit limit increases, aiding in further improving credit scores.
- Cardholders have access to their accounts 24/7, allowing them to monitor their spending, view statements, and make payments at their convenience.
- Being a Mastercard, the First Digital Card is widely accepted, giving cardholders the flexibility to use it for various purchases and transactions.
- While there is a program fee of $95.00, it is a one-time expense and is a reasonable investment for the opportunities and benefits the card offers.
- No annual fee, making it accessible to a wider audience.
- 1% cash back rewards on all purchases, a rare feature for cards in this category.
- Quick approval process, providing a fast-track for those in need of credit rebuilding.
- Relatively high APR of 29.99%, necessitating careful budgeting and prompt payments to avoid significant interest charges.
- Program fee of $95.00 may be a barrier for some potential applicants, although it is a one-time cost.
Total
Why we like it:
- In the realm of credit cards tailored for individuals with poor credit scores, the Total Visa® Card stands as a viable option. Its standout feature is its reporting to all three major credit bureaus, a crucial aspect for those seeking to rebuild their credit profile.
- This means that responsible usage of the card can lead to positive impacts on your credit score across the board.
- Moreover, the Total Visa® Card provides accessibility even to those with limited or no credit history. This inclusivity can be invaluable for individuals just starting on their credit journey.
- It's an unsecured card, which means you don't need to make a security deposit, offering a level of flexibility for those who are hesitant about that aspect of secured cards.
Annual Fees
$75.00 1st year, $48.00 after
Regular APR
35.99%
Credit Required
Fair/Bad Credit
Annual Fees
$75.00 1st year, $48.00 after
Regular APR
35.99%
Credit Required
Fair/Bad Credit
Why we like it:
- In the realm of credit cards tailored for individuals with poor credit scores, the Total Visa® Card stands as a viable option. Its standout feature is its reporting to all three major credit bureaus, a crucial aspect for those seeking to rebuild their credit profile.
- This means that responsible usage of the card can lead to positive impacts on your credit score across the board.
- Moreover, the Total Visa® Card provides accessibility even to those with limited or no credit history. This inclusivity can be invaluable for individuals just starting on their credit journey.
- It's an unsecured card, which means you don't need to make a security deposit, offering a level of flexibility for those who are hesitant about that aspect of secured cards.
- Focused on credit rebuilding, the card prioritizes function over rewards or cash back programs, providing a practical tool for a fresh credit start.
- With a quick response time, applicants receive a decision within 60 seconds, and upon approval, the card promptly arrives for activation after settling the program fee.
- Reports to All Three Credit Bureaus, vital for comprehensive credit rebuilding efforts.
- No Minimum Credit Requirements, welcoming those with limited credit histories or lower scores.
- High Fees, encompassing an annual fee, program fee, and monthly servicing fee after the first year.
- High APR, underscoring the importance of paying balances in full each month
- Limited International Use, not designed for overseas purchases, potentially limiting its utility for some users.
Which Credit Card Should I Choose if I Have a Poor Credit Score?
Above are the best credit cards for poor credit score. It all depends on your needs, as long as you use it responsibly everything will be fine for you.
