Credit Cards with Rewards for People with Limited Credit

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Credit Card Applications » Rewards Credit Cards » Rewards Credit Cards for Limited Credit

Rewards Credit Cards for Limited Credit

A credit card with rewards is one of the most desirable credit cards. You can earn cash back, bonus points or bonus miles. The cash back rewards credit cards are the simplest and most straightforward, while point credit cards can be more rewarding.

Earning rewards on your favorite things is great but you should not forget that rewards you can get depend on your credit history. Most credit issuers start reward their customers when they have fair credit history. The biggest rewards get those who have perfect credit scores. If you have no credit or your credit is bad, it may be difficult to find a credit card with rewards. But we looked around and gathered the rewards credit cards for people with poor credit.

Best Rewards Credit Cards for You

Capital One® QuicksilverOne® Cash Rewards Credit Card
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Key Feature:
Earn unlimited 1.5% cash back on every purchase, every day Summary of Card Features:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR24.99% (Variable)
Annual Fee$39
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

See card details
Credit One Bank® Platinum Credit Card with Rewards
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Key Feature:
Receive 1% cash back on eligible purchases, terms apply Summary of Card Features:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR16.15% - 24.65% Variable
Annual Fee$0 - $99
Our Expert Opinion
  • Pre-Qualify without affecting your credit score.
  • Get 1% cash back on eligible purchases, terms apply.
  • Free online access to your credit score.

  • Has a foreign transaction fee.
  • Annual fee between $0 and $99.
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Please refer to issuer's website
Discover it® Secured Card - No Annual Fee
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Key Feature:
No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use. Summary of Card Features:
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.10.99% (6 months)
Regular APR23.74% Variable
Annual Fee$0
Our Expert Opinion
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.

See card details
Average, Fair, Limited Credit
Journey® Student Rewards from Capital One®
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Key Feature:
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month Summary of Card Features:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR20.74% (Variable)
Annual Fee$0
Our Expert Opinion
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time

See card details
Credit One Bank® Platinum Visa®
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Key Feature:
Receive 1% cash back on eligible purchases, terms apply Summary of Card Features:
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR16.15% - 24.65% Variable
Annual Fee$0 - $99
Our Expert Opinion
  • Cash back rewards.
  • Free online access to credit score.
  • Opportunities for credit line increases.

  • Annual fee may apply.
  • Has a foreign transaction fee.
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National Credit Direct
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Key Feature:
Apply Now and Get a $500 Credit Line or More Today Summary of Card Features:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Card Features:
Intro APR on Purch.n/a
Intro APR on Bal. Tr.n/a
Regular APR0.0%
Annual Fee$49
Our Expert Opinion
  • 0% APR.
  • Get reward points for every dollar you spend.
  • Reports to Major Credit Bureau.
  • Good for bad credit.

  • For shopping at National Credit Direct.
  • $49 annual fee.
See card details

Getting The Most From Rewards Credit Card

When you are choosing a rewards credit card you should make sure you will get the most out of it. That's why it is good to consider your spending behaviour before you apply for the card. You definitely won't need a miles rewards credit card if you do not fly a lot, you simply won't use all the perks the card offers and big rewards will pass you by.

Another important thing to consider is rewards program rules. Some cards cap the amount of rewards you can earn and others have expiration dates on points. If you choose a rewards credit card with sign up bonuses, you may need to spend a certain amount in a period of time to qualify for that bonus. Some cash back credit cards may have rotating categories you need to enroll in order to earn more cash back or you will be able to earn cash back in one or two shopping categories only while other purchases won’t save you anything. For example, gas cards for bad credit often allow earning rewards on gas purchases only.

While you are chasing rewards do not forget that a rewards credit card is still a credit card. That means you should adhere to a plan of paying off your entire balance every month. Plus it will be good for your limited credit: you will be able to level it up to fair credit and further up to excellent credit. When you keep a balance, you do not get the most out of your rewards and pay high interest rate. Missing a payment won't be good as well because you can forfeit rewards you've earned and lower your credit score. The same thing is true for long periods of inactivity on your card - you may lose the rewards you've earned.

Read the rewards program rules and make some calculations to be sure you will be able to reap big rewards.

Our Experts about Rewards Credit Cards

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