The best Visa credit cards for poor credit are the OpenSky Secured Visa (no credit check), the Harley-Davidson Secured Visa (no annual fee), and the Credit One Platinum Visa (no security deposit). Each is available to people with poor credit and reports info to the credit bureaus monthly. That gives you the opportunity to turn a bad credit score into a fair, or even good, one.
There are lots more Visa credit cards for bad credit available right now, too. So no matter how bad your score happens to be, you should be able to find a decent deal. The key is to compare cards based on how much they charge in annual-, monthly- and one-time fees. If you don’t need a credit card for borrowing purposes, don’t rule out secured cards. The deposit you have to place is refundable, unlike fees.
That said, why don’t we take a closer look at more top offers?
Here are the best Visa credit cards for poor credit:
- OpenSky Secured Visa (no credit check): $35 annual fee. $200+ deposit.
- Harley-Davidson Secured Visa (no annual fee): $300+ deposit. 1 rewards point per $1 spent.
- Credit One Platinum Visa (no security deposit): $0-$99 annual fee. $300+ credit limit. 1% back on eligible purchases.
- Wells Fargo Secured Visa (low annual fee): $25 annual fee. $300+ deposit.
- USAA Secured Platinum Visa (military): $35 annual fee. $250+ deposit.
- Green Dot primor Visa Classic (no credit check): $39 annual fee. $200+ deposit.
Of course, there’s no reason to rule out Mastercard credit cards for poor credit, either. There are lots of good options in that category, too, including the Capital One Secured Mastercard. You might also want to consider the Discover it Secured Card, which offers the best rewards among credit cards for people with bad credit.