7 Best Credit Cards For Poor Credit Score In 2024

Ariyae Kaalel
April 23, 2023
7 Best Credit Cards For Poor Credit Score In 2024
7 Best Credit Cards For Poor Credit Score In 2024

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

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.

The Best Credit Cards for Poor Credit Score

Do not forget to try these credit card especially if you are a housewife.

card_name

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Initial credit limit of $300 – $1,000 (subject to available credit).
  2. Sign up for electronic statements to receive your Vantage 3.0 Score Credit Score from Experian.
  3. Fast and easy application process with results in seconds.
  4. 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.

card_name

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

annual_fees

Credit Required

credit_score_needed

Why we like it:

  1. Prospective applicants can check if they're pre-qualified without impacting their credit score, providing valuable insight into their eligibility.
  2. The Reflex® Platinum Mastercard® welcomes individuals across a spectrum of credit profiles, making it accessible for those with fair to poor credit.
  3. The card reports activity to all three major credit bureaus on a monthly basis, ensuring consistent progress in building credit.
  • Builds or rebuilds credit history
  • Potential for credit limit increase with responsible use
  • High annual and maintenance fees
  • High APR (29.99% as of May 2023)
  • Initial credit limit may be low for some users

FIT® Platinum Mastercard® - Best Credit Cards for Poor Credit Score

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Fast and easy application process, delivering results in seconds for potential cardholders.
  2. Monthly reporting to major credit bureaus (TransUnion, Experian, and Equifax) for accurate credit history.
  3. Free monthly credit score access, especially valuable for credit rebuilding, available to e-statement enrollees.
  • Inclusive of all credit types
  • Zero annual fee
  • Opportunity to double the initial credit limit
  • Comprehensive reporting to major credit bureaus
  • Mastercard Zero Liability Protection for added security
  • Requires a checking account, which may be a limiting factor for some applicants.

Revvi

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  • 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:

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:

  1. With responsible use, First Digital Card offers opportunities for credit limit increases, aiding in further improving credit scores.
  2. Cardholders have access to their accounts 24/7, allowing them to monitor their spending, view statements, and make payments at their convenience.
  3. Being a Mastercard, the First Digital Card is widely accepted, giving cardholders the flexibility to use it for various purchases and transactions.
  4. 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:

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:

  1. Focused on credit rebuilding, the card prioritizes function over rewards or cash back programs, providing a practical tool for a fresh credit start.
  2. 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.

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