Thank you for visiting us. Click here to visit the home page.
Apply here.


Top Credit Cards for Poor Credit

 
 
 

Low Rate Loans | Low Rate Credit Cards | Low Rate Insurance

Let's get you approved.  Click now to connect with a lender to get you what you need.
 

Top Credit Cards for Poor Credit

Search and find interest rates you can afford. Do you qualify? Click now to apply for Top Credit Cards that have nice benefits, such as:

  • 0% APR Introductory Rates
  • Cash Back Programs
  • Airline Rewards
  • Bonuses
  • Consolidation Options

Serving one or more of the following states: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

 
 
 

Get Low Rates


Search for Top Credit Cards for Poor Credit with no hassle.

If your new card application is approved, make sure to avoid going over your credit limit and pay your monthly payment on time. Follow this advice to make sure all the usable balances you possess will always be available for use at any time. Apply here.

 


Get Low Rate Credit Cards

We recommend Low Rate Credit Cards from top recommended credit card issuers. Get started now. This network of credit card companies is known for being favorable to new clients.

Countless possibilities await. Start now.

 
 
 

 

 

Top Credit Cards for Poor Credit - Understanding The Options

When individuals have Poor Credit, how can they distinguish which Top Credit Cards to select when there are so many options? This article will discuss several varieties of cards to give you a useful understanding of the advantages of each:

Money Back - With a Money Back card, customers get a rebate equal to a fraction of their purchases. For example, if there is a Money Back solution that provides 5% cash back on groceries, fuel, and pharmacy items, as purchases increase and rewards accumulate, they can converted to cash. If you pay one hundred and fifty dollars in fuel, supermarket items, and drug store purchases weekly, by the end of a 12-month period, $390 in cash back rewards would be ready to cash out.

Redeemable Points - In lieu of rewarding customers with cash back, some issuers present customers with points programs. Customers get rewards when purchases are made. With each swipe of the card, the points increase. Once a specified number of points have accumulated they can be redeemed for items including free rental cars, gift items, magazines, and so on. Be sure to find out if the Top Credit Cards for Poor Credit you apply for offers points.

Gas Rewards - Companies can be considerate of the cost of gas and want to reward people for making card purchases by offering them a prepaid fuel card. As the credit card is utilized, reward points add up. After you have earned enough points you can get a free prepaid gas station card. The cool thing is, with some cards redeemable fuel rewards can be accumulated while buying gas.

Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When this kind of card is utilized, free travel points are earned. Once a specified number of points are earned, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. This kind of card is great for business travelers.

Zero Percent Introductory Rates - Finance charges are not applied on these cards for a specified amount of time. The period where no finance charges are being applied typically spans half a year to a whole year. Typically, people use this time to move their balance from their high interest Top Credit Cards to one of these and pay the balances off within the promotional period. Keeping monthly payments up to date is key. When one payment is not paid on time, typically the interest free rates are changed to an interest-bearing rate. Folks that are eligible for Top Credit Cards for Poor Credit, and have the chance to get a 0% promotion ought to choose this type of card.

Secured Cards to Re-establish Credit - Customers with a secured card simply puts money in a bank account that can generate interest. This "is what makes it a "" secured card"" ." After the deposit is made a credit card is delivered with a spending limit in the amount of the deposit. Every time you use it your available credit is recalculated, low rate regularly scheduled payments are calculated, and a bill is is mailed. If transactions are being approved, an affordable monthly invoice will be sent. Secured Cards to Re-establish Credit are good because they operate like normal credit cards allowing customers the freedom to book travel accommodations like hotels that commonly do not accept prepaid or debit cards. One of the best things about the application process is that approval is generally guaranteed no matter what. But do not forget that many credit-rebuilding card issuers submit your repayment history to Experian, Equifax, and Trans Union. This can be a fantastic approach to prove you are creditworthy by making regular payments no matter if you have Poor credit or not. Once you make a certain number of consecutive timely payments, most times the bank that gave you the card will allow you to make purchases over your current limit without asking for more cash to be put into the account that was used to set up the card.

Pre-paid Credit Cards - With a Pre-paid card, purchases can be made without interest, fees, or finance charges. Similar to a conventional account, you put money in and that becomes the credit limit. After the prepaid credit card balance has been completely used, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Reloadable prepaid cards are good for students, they make it so you don't have to carry cash all the time, and they are generally granted to those that may not qualify to get a traditional bank account. Approval is normally not a problem despite your bureau report and there is no need for the prepaid card issuer to deal with the three bureaus.

With all of the various varieties of Top Credit Cards for Poor credit and bonuses that each of them offer, there is a solution available for most credit card seekers. Seek Top Credit Cards that give the benefits that fit your situation. Stay smart and always spend wisely and pay the bill on or before the due date. Good credit is a wonderful thing to have.

To guarantee that you keep building a prime FICO profile, take heed to these simple instructions:

1. Keep a balance at no more than half of the credit limit. In other words, don't "max out". The banks encourage their cardholders to keep an account that is about forty to fifty percent of the limit on any Top Credit Cards for Poor Credit.

2. Pay your credit card bill on time every month. Even if the minimum is the most that your budget will allow, make the payment in a timely fashion. Once a payment is more than 30 days behind, it will be reported to the credit reporting companies. This negatively affects the consumer's FICO profile. Additionally, customers may also have to pay a higher interest rate as a result of a solitary late payment. Hence it is wise to be mindful of the due dates.

3. Repay all balances down to zero every quarter. If the card is used a lot, try to take a few months and pay it off at least one time per year. Then once your balance is paid off it is smart to begin creating transaction activity (like buying gas, shopping online, or making purchases) and pay it off once again after over the course of a few billing cycles, and keep this cycle going. This approach confirms to the issuers that you will be creditworthy. Most lenders reward customers like this with low interest rates, higher credit limits, and a higher FICO score.

Our network partners proudly serve one or more of the following locales: Alabama * Alaska * Arizona * Arkansas * California * Colorado * Connecticut * Delaware * District of Columbia * Florida * Georgia * Hawaii * Idaho * Illinois * Indiana * Iowa * Kansas * Kentucky * Louisiana * Maine * Maryland * Massachusetts * Michigan * Minnesota * Mississippi * Missouri * Montana * Nebraska * Nevada * New Hampshire * New Jersey * New Mexico * New York * North Carolina * North Dakota * Ohio * Oklahoma * Oregon * Pennsylvania * Rhode Island * South Carolina * South Dakota * Tennessee * Texas * Utah * Vermont * Virginia * Washington * West Virginia * Wisconsin * Wyoming

Top Credit Cards for Poor credit are available online. Act now to apply for a solution that could be the answer to your needs.

check rates