Best ‎Credit Cards for Bad/Poor Credit | CompareCredit

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Last fact checked: Sep. 7, 2026

Best Credit Cards of September 2026 for Poor Credit

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Secured Self Visa^® Credit Card

4.0

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on Self's secure site

Build Your CreditReports to all 3 major credit bureaus to build credit history, and lift your credit score with responsible use
Credit Line IncreaseBe automatically considered for a higher credit line in just 6 months – no extra deposit needed
Extra PerksEnjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy
Annual Fee$0 intro for the first year, $25 thereafter*
Credit Score NeededBad, Limited, Rebuilding
Card Brand

Select to apply online
$0 intro annual fee for the first year only, for new customers only, $25 thereafter
No credit check or credit score required
See if you’re approved in minutes
Reports to all 3 major credit bureaus to build credit history
Be automatically considered for a higher credit line in just 6 months—no extra deposit needed
Monitor your credit progress with free access to your Credit Score. Secure your credit line with a refundable security deposit¹ - as low as $100.
Use your card anywhere Visa is accepted–in the US.
Enjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Manage your account online or in our mobile app
Self is not a bank. The Secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
¹Deposits are returned upon account closure after settling outstanding balances.
*$0 intro annual fee for the first year only, for new customers only, $25 thereafter. Variable APR of 27.49%.
Results may vary. You may not receive an improved credit score based on your financial behavior, including missed payments with Self credit products and activity with other creditors.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

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Surge^® Platinum Mastercard^®

2.5

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on Celtic Bank's secure site

Build Your CreditBoost your credit score with responsible use
No Security Deposit RequiredA true credit card with no need to put down a security deposit
Mastercard BenefitsUse your card everywhere that Mastercard is accepted
Annual Fee$75 - $125
Credit Score NeededSee website for Details*
Card Brand

Select to apply online
Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.

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Capital One Platinum Secured Credit Card

4.0

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on Capital One's secure site

Fewer FeesPay no annual fee and no foreign transaction fees
Boost Your CreditReports to the credit bureaus and builds your credit score when used responsibly
Mastercard AcceptanceUse your card wherever Mastercard is accepted
Annual Fee$0
Credit Score NeededLimited, Bad
Card Brand

Select to apply online
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Top rated mobile app

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Capital One Quicksilver Secured Cash Rewards Credit Card

5.0

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on Capital One's secure site

Boost Your CreditReports to the credit bureaus and builds your credit score when used responsibly
Rewards Rate1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Extra PerksPay no annual fee and no foreign transaction fees
Annual Fee$0
Credit Score NeededPoor / Limited / New to Credit
Card Brand

Select to apply online
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get at least a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Top rated mobile app

Review additional details for Capital One Quicksilver Secured Cash Rewards Credit Card