Top credit cards for poor credit

With poor credit, your options for credit cards are somewhat limited. Most companies would not provide a credit line without a deposit and virtually all credit cards are going to charge monthly fees. However, if used responsibly, these cards may be the best way to start establishing or rebuilding your credit.

These are some of the best credit cards for people having poor credit.

Capital One Secured MasterCard

This card has no annual fee, and all the credit building benefits with responsible card use. Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus. Your minimum security deposit gets you a $200 credit line and you may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required.

OpenSky Secured Credit Visa Card

In OpenSky Secured Credit Visa Card, you can choose your credit line as low as $200 up to $3000, secured by a fully-refundable security deposit. Security deposit needs to be submitted before the credit card can be issued and No credit check necessary and no checking account required; apply in less than 5 minutes.

Luma Credit Card

By managing your Luma card sensibly, make payments on time and stay within your credit limit and you could improve your credit rating in time. You could get a Luma credit card even if you are new to credit, have CCJs or other issues with your credit rating and you can access your account anywhere, anytime.

TotalVISA Unsecured Credit Card

The TotalVISA Unsecured Credit Card has a fast and easy application process and considers those with a bad credit rating. If you are looking to get started at building or re-building your credit this card may be a fit for you. You can have manageable monthly payments and your history will be reported monthly to all three of the major credit bureaus.

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