Credit Cards
Credit cards for any credit history: best options
Seven credit cards for any credit history that can help improve your score. Discover the best options and choose the one that will enhance your financial life!
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Compare the best credit cards for any credit history in one place
In recent years, the use of credit cards has taken over the market. Indeed, it is practically impossible to monitor all available options given the sheer quantity. However, not everyone can have the credit cards they would like, and it’s important to know which are the options for any credit history.
The truth is that a person cannot choose which credit card he wants to use. Thus, credit agencies have created requirements that need to be met. Also, the more and better perks, the more criteria they have.
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The main information these agencies rely on to accept or deny a card is your credit score and credit history. In a simplified way, we can say that the higher your score and the better your history, the more options you will have.
But that’s exactly where the problem lies! According to a recent survey, 30% of the population could not have a credit score higher than 600 (average score). Thus, many cannot take advantage of the best options that the market offers.
However, are there good opportunities for those who don’t have a good or excellent score? Indeed, the answer is yes! However, to find them, you have to understand how credit cards work and do a lot of research.
There are even credit cards for any credit history. That’s right, credit products that anyone with any score can get. Below, we separate a large list of them. That way, we’ve already done half the work for you.
Your mission now is just to look at the summaries and decide what your newest card will be. Follow below:
What are the credit cards for people with any credit history? Check out 7 great options!
You can have a good credit card even if you don’t have an amazing track record! Here is the list of credit cards for any credit history.
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PREMIER Bankcard® Mastercard® Credit Card
The card for anyone who needs a second chance. With this one, you can build or rebuild your score and improve your credit limit with reviews every 12 months. Check out a summary of our analysis in the table below:
Credit Score | Poor/Fair (500+) |
Annual Fee | Variable (from $50 to $125 in the first year, from $45 to $49 in subsequent years) |
Regular APR | 36% |
Welcome bonus | None |
Rewards | N/A |
PREMIER Bankcard® Mastercard® card: check out how to apply!
With the PREMIER Bankcard® Mastercard® card you can recover your credit with an initial limit of up to $700 without having to deposit any down payment! Find out how to apply for this card.
Revvi Card
The credit card with cashback program for people with fair or bad scores. This is extremely rare. What’s more, after an application that takes a few seconds, you’re already out with a $300 limit.
In addition to the 1% cash back, this card will help you build your credit. Here are other benefits:
Credit Score | Poor/Fair (from 300 to 669) |
Annual Fee | $75 in the first year, $48 in subsequent years |
Regular APR | 34.99% (fixed) |
Welcome bonus | None |
Rewards | 1% on cash back program |
Applied Bank® Unsecured Classic Visa® Card
Another very interesting option for those who need to rebuild their credit. The Applied Bank® Unsecured Classic Visa® Card reports to the three largest credit agencies in the country.
Also, it’s easy to get it: just fill in the information correctly and it will be yours in 60 seconds.
Credit Score | Bad (below 670) or damage |
Annual Fee | $75 in the first year; $45 after that |
Regular APR | 29,99% (fixed) |
Welcome bonus | None |
Rewards | None |
Applied Bank® Unsecured Classic Visa® card: check out how to apply!
Build your credit with monthly reports for the 3 largest credit agencies in the country and have a limit of up to R$ 300 at your disposal! Learn how to get the Applied Bank® Unsecured Classic Visa® card.
Fortiva® Mastercard® Credit Card with Cashback
Here is another excellent option for those looking for cards with cash back programs. In addition to the cash back*, you may receive an initial line of credit of up to $1,000.00. Amazing, no?
Credit Score | Fair (580 to 669) |
Annual Fee | Variable (from $85 to $175 in the first year, from $29 to $49 in subsequent years) |
Regular APR | 29.99% |
Welcome bonus | None |
Rewards | 3% cash back on eligible payments for gasoline and grocery shopping, 1% on other types of eligible purchases.* |
*Only after pre-approval will you know if you will have access to rewards programs.
Mission Lane Visa® Credit Card
The Mission Lane Visa® Credit Card gives you the option to verify that you will be approved without hurting your credit score. Plus, with 6 monthly balance payments, you can access larger credit amounts. Discover other features of this product:
Credit Score | Poor/Fair (300 to 669) |
Annual Fee | From $0 to $75 |
Regular APR | From 19.49% to 29.99% (variable) |
Welcome bonus | None |
Rewards | N/A |
Mission Lane Visa® card: check out how to apply!
Rebuild your credit with an initial $300 limit on terms that very few cards offer people with bad credit: no upfront deposits or "hidden" fees. See how to get the Mission Lane Visa® card!
Aspire® Cash Back Reward Card
Do not be surprised if you notice that the characteristics of this product are almost the same as those of the Fortiva® Mastercard® Credit Card. In fact, they are practically brothers.
Like the “twin”, Aspire® allows you to check if you are fit without affecting your credit score. The chance to have a starting limit of $1,000.00 is also on this card.
Credit Score | Fair (580 to 669) |
Annual Fee | Variable (from $85 to $175 in the first year, from $29 to $49 in subsequent years) |
Regular APR | 29.99% Variable |
Welcome bonus | None |
Rewards | 1% cashback on all purchases |
Aspire® Cash Back Reward card: check out how to apply!
Bad credit and cashback match? With the Aspire® Cash Back Reward card the answer is yes! Discover the card that gives you 1% reward on all your purchases.
Destiny Mastercard®
Perhaps your destiny, for now, is to own a beautiful purple credit card: the Destiny Mastercard®. In addition to accepting any score, it gives a credit limit of $500.00. Not bad for someone just starting out or wanting to start over.
Since you report to the three largest credit bureaus, it will go a long way towards creating a consistent credit history.
Credit Score | Poor to good (from 300 to 850) |
Annual Fee | $75 in the first year, $99 in subsequent years or $59 in the first year, $59 in subsequent years* |
Regular APR | 24.9% |
Welcome bonus | None |
Rewards | None |
*There are two ways to access Destiny Mastercard®. After pre-approval, you will be able to know which one you have access to. That way, you’ll know what your annual fee will be.
Destiny Mastercard® card: check out how to apply!
A credit card with no hidden fees that helps you build credit in comfort. Learn how to apply for your Destiny Mastercard® card.
That was our list of 7 great options for anyone looking for credit cards for any credit history. Using any of them the right way, you can improve your credit a lot.
To learn more about credit scores and how to improve them, click on the link below and check out an exclusive article:
What are credit scores? An uncomplicated guide
Do you know what credit scores are? Learn what the impact of this number on your financial life is and how to improve it!
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