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Low credit scores (300 – 579 FICO score) make it much more challenging to find a credit card. Often, credit card companies will require some time of security (cash in advance) in order to issue a card. The good news is that once there is a pattern of regular payments, your score will improve and you then become eligible for more attractive card offers. Below we will help you identify the best cards that match your score range and that help you improve your score.
WalletWisely’s top 6 Credit Cards for Low Credit
| # | Card Name | Annual Fee | Interest Rate | Type | |
| 1 |  |
Chime Credit Builder Secured Visa | $0 | 0% | Secured |
| 2 |  |
Zolve Azpire Credit Card | $0 | 0% | Secured |
| 3 |  |
Citi® Secured Mastercard® | $0 | 26.99% | Secured |
| 4 |  |
Capital One Platinum Secured Credit Card | $0 | 29.74% variable | Secured |
| 5 |  |
Discover It® Secured Credit Card | $0 | 27.24% variable | Secured |
| 6 |  |
Bank of America® Customized Cash Rewards Secured | $0 | 26.99% variable | Secured |
Chime tops our list as one of the best cards to build your credit. There is no credit check and there are no annual fees or interest. It is ideal for those who want to build their credit with credit lines reported to all 3 major credit bureaus (Equifax, Experian, and Transunion).
Chime Credit Builder Secured Visa
Summary
Chime Credit Builder is a terrific card to help you build up your credit score. Money added to Credit Builder is held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month. Chime reports to all 3 credit bureaus and is a great way to build up your credit. Chime is also one of our favorite personal banking account and debit cards.
Another card that scored high with us is the Zolve Aspire Credit Card. Like the Chime card, Zolve does not have an annual fee, doesn’t charge interest, and does not do a credit check. They also report to all 3 major credit bureaus (Equifax, Experian, and Transunion).
Zolve Azpire Secured Credit Card
Summary
Zolve Azpire Secured Credit Card is also terrific card to help you build up your credit score. Money added to Credit Builder is held in a secured account as collateral for your card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month. Zolve reports to all 3 credit bureaus and is a great way to build up your credit.
