Credit Cards for Poor Credit
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Below are a few great options for student with poor, damaged, or limited credit. If you are a underclassmen with no credit history, these are the best cards for you.
Compare the student credit cards below to select the best poor credit card for your situation. Remeber to use student credit cards for emergencies only, and pay off your balance in full each month in order to build your credit score.
Poor and Limited Credit Student Credit Cards
| Intro Rate | Regular Rate | Annual Fee | Credit Needed | |
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Editor's Choice: Discover® Student Card |
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| 0% for 6 Mos Intro Rate | 14.99% | None | New to Credit | |
Secured Student Credit Cards
If you are looking to rebuild your credit, a secured student credit card may be the right choice for you, since these cards for poor credit report to credit bureaus. A security deposit is required for these cards.
| Intro Rate | Regular Rate | Annual Fee | Credit Needed | |
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Public Savings Bank Secured Black Card |
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| 0% for 6 Mos Intro Rate | 11.24% | None | No Credit Check | |
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New Millennium Bank Secured Platinum |
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| No Intro Rate | 19.50% | $59 | No Credit Check | |
Prepaid Student Credit Cards
If you are looking to control your spending and have the convenience of a credit card without the debt, a prepaid student credit card is a great option for you.
| Application Fee | Minimum Deposit | Total First Year Fees | Credit Needed | |
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Helps Build Credit: AccountNow® Prepaid Visa® |
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| $9.95** | $10 | $129.35 | No Score Needed | |
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Vision Silver(SM) Prepaid MasterCard® |
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| $9.95 | N/A | $57.35 | No Score Needed | |
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Millennium Advantage Pre-Paid MasterCard® |
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| $99 | $10 | $170.40 | No Score Needed | |
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BuyRIGHT Pre-Paid MasterCard® |
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| $29.95 | $10 | $89.35**** | No Score Needed | |
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Current by Discover - Teen Prepaid Debit Card |
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| $0 | $20 | $50 | No Score Needed | |


