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.

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee

Best Rewards Credit Cards for You

Barclaycard Rewards MasterCard®
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Key Feature:
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 1X points on all other purchases Summary of Card Features:
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR25.24%* Variable
Annual Fee$0
Our Expert Opinion
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing

See card details
Credit One® Credit Card with 1% Cash Back
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Key Feature:
1% cash back on select purchases, terms apply Summary of Card Features:
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR15.65% - 24.15% Variable
Annual Fee$0 - $99
Our Expert Opinion
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month

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 APR20.24% (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® Credit Card with Bonus Features
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Key Feature:
1% cash back on select purchases, terms apply Summary of Card Features:
  • All the bonus features you want in a credit card are included. Get 1% cash back on eligible purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, receive credit line increase opportunities.
  • 24/7 fraud monitoring on every purchase for you protection. Rest easy knowing you won´t be responsible for unauthorized charges.
  • See if you Pre-Qualify without harming your credit score. In less than 60 seconds, find the card that´s right for you.
  • Set up custom email or text alerts, so you´ll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
  • Choose your card design from our premium gallery, a fee may apply.
Card Features:
Intro APR on Purch.N/A
Intro APR on Bal. Tr.N/A
Regular APR15.65% - 24.15% Variable
Annual Fee$0 - $99
Our Expert Opinion
  • All the bonus features you want in a credit card are included. Get 1% cash back on eligible purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, receive credit line increase opportunities.
  • 24/7 fraud monitoring on every purchase for you protection. Rest easy knowing you won´t be responsible for unauthorized charges.
  • See if you Pre-Qualify without harming your credit score. In less than 60 seconds, find the card that´s right for you.

See card details
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

6 In Accordance with Terms and Conditions.

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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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

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Balance Transfer Calculator

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Credit Cards with Rewards for People with Limited Credit
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