The Best Credit Cards for Poor Credit of 2015

Obtaining a credit card when you have poor credit can be quite the challenge.  Often times, credit card issuers want nothing to do with your 600 FICO score because you’re seen as a risk.  Fortunately, if you look hard enough, there are a few unsecured credit cards tailored to consumers on the lower end of the FICO score ladder.

However, while you may be able to obtain unsecured credit, it will come at a price.  To compensate for the risk involved, card issuers generally charge high interest rates as well as mandatory annual fees.  Please find our favorite credit cards for individuals with poor credit below.  If you own a card with a low interest rate and low fees that hasn’t made our list, please let us know and we’ll gladly add it.

Credit One Bank® Credit Card with Gas Rewards
Credit One Bank® Credit Card with Gas Rewards
First Progress Platinum Elite MasterCard® Secured Credit Card
USAA Secured Card® American Express® Card
USAA Secured Card® Platinum MasterCard®
Credit One Bank® Platinum Card
Credit One Bank® Platinum Card

Apply Now...
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Get Pre-Qualified without affecting your credit score
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
  • Unlimited 1% cash back gas rewards
Intro APR Intro APR
N/A* N/A* 17.90% - 23.90% (Variable)* $35-$99 N/A* Fair Credit

Published or Updated: April 17, 2015
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.


  1. Avery Lopey says:

    I do not even understand how I ended up right here, however I assumed this put up was once good. I don’t realize who you might be however certainly you are going to a famous blogger when you aren’t already ;) Cheers!

  2. Doug Younker says:

    Now I found another layer to consider. Health care costs wrecked me. I need a card for online purchases of what local retailers don’t carry in my rural location. For the moment a prepaid debit card is route I’ll take. In time I’ll get a secured card to build my credit rating back up. $2-$5 monthly fee isn’t that expensive, when there should never be no interest to pay, if I pay myself back on time every month.

    • Doug Younker says:

      Yes I understand I should have used the bad credit secured credit card. Higher interests rates that regular secured credits cards, interestingly similar monthly fees.

  3. matt says:

    Just an FYI, I was trying to use the valuable info you give on this page but the link to the
    Applied Bank® Secured Visa® Gold Credit Card, no longer works. Instead of taking me to an official looking site where I can apply for the card it took me to credit, another helpful site where you can search by specific credit score ranges and by brand such as visa or MasterCard plus some others and includes many more search refinements that are very helpful but the card I was looking for from your list above wasn’t there and as you suggested it as one of the best credit building cards I really wanted to apply for that one specifically. Anyway just an fyi

    • Rob Berger says:

      Matt, thanks for letting me know. I’ve updated the cards and links.

  4. Qualifying for a credit card can be tough if you have a poor credit record, but a secured credit card may be one way you can obtain one. It’s also the best way to build or rebuild credit. Unfortunately, a lot of people don’t understand how a secured card works.

  5. Rachel says:


    Which is the best card that doesn’t involve a security deposit? Do any of these NOT require a security deposit? The annual fee – is that automatically charged? My husband has credit score in the 400s.

    • Rob Berger says:

      All of the secured cards require a security deposit. That’s why the credit card company is willing to extend credit to those with low credit scores. The Credit One cards above, however, are not secured cards so they don’t require a security deposit.

  6. Rachel says:

    Also, are there any store credit cards that build credit?

    • Rob Berger says:

      Rachel, most store credit cards build credit. The downside is that the interest rates are extremely high, often higher than 20%.

Speak Your Mind