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For most Americans, having poor credit is a temporary situation.

The credit cards listed here are designed for those in the poor credit category. Never apply for credit cards you won’t qualify for. Those applications only lower your credit score, and you don’t even get the card you needed. Those with poor credit scores can get credit, but only through cards designed for them. Here, we’ve listed cards issued by lenders who specialize in the poor credit market. These lenders have engineered how to make credit accessible to those who have struggled with financial setbacks, military deployments, unemployment, and medical emergencies. 

Smart credit card use is the first step in reaching excellent credit status, and excellent credit underlies a solid financial foundation. Those with excellent credit get lower interest and car insurance rates, easier approval for apartment rentals and more power in all financial negotiations. The most straight-forward route to good or excellent credit is regular payment of any debt. 

If your credit score is between 640 and 670, you can still get cash back rewards and no annual fees on your credit cards. Better, you get the opportunity to build your credit score. First Financial has carefully reviewed all credit cards designed for those with poor credit scores. We only list those most appropriate for you here.

Review featured cards from our partners below: Advertising Disclosure

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