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November 2019. 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. But you should not forget that rewards you can get depend on your credit history. No wonder that the biggest rewards get those who have perfect credit scores. Most credit issuers start reward their customers when they have fair credit history. 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.

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  • Cards of November 2019
  • Cash Back Cards
  • No Annual Fee
  • Bad Credit
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Capital One® QuicksilverOne® Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.74%-25.74% Variable
Annual Fee
$0 - $99
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.

our choice

Rewards

Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply

CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.

Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.

Use this card everywhere Visa cards are accepted

Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Annual Fee
$0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem your rewards for cash in any amount.

Your cash back never expires

Annual Fee: $0

Apply for Journey® Student Rewards from Capital One® - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

our choice

Rewards

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

Annual Fee: $0

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Capital One® QuicksilverOne® Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.74%-25.74% Variable
Annual Fee
$0 - $99
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.

our choice

Rewards

Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply

CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.

Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.

Use this card everywhere Visa cards are accepted

Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Annual Fee
$0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem your rewards for cash in any amount.

Your cash back never expires

Annual Fee: $0

Apply for Journey® Student Rewards from Capital One® - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

our choice

Rewards

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

Annual Fee: $0

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Annual Fee
$0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem your rewards for cash in any amount.

Your cash back never expires

Annual Fee: $0

Apply for Journey® Student Rewards from Capital One® - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

our choice

Rewards

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

Annual Fee: $0

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Annual Fee
$0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem your rewards for cash in any amount.

Your cash back never expires

Annual Fee: $0

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.74%-25.74% Variable
Annual Fee
$0 - $99
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts

our choice

Rewards

See if you Pre-Qualify without harming your credit score

Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply

No need to fret—you’re covered by $0 Fraud Liability

Use this card everywhere Visa cards are accepted

get the most FROM REWARDS
CREDIT CARDS

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 behavior before you apply for the card. The cash back rewards credit cards are the simplest and most straightforward, while point or miles credit cards can be more rewarding. But 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.

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what to choose?

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questionsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT

I want to apply for the PNC cash rewards card but not sure I will be approved for this card with my scores 628 EX, 674TU and 682EQ. What do you think my chances are? Can I prequalify for this card?

All in all, your credit scores are considered average. To apply for a PNC credit card your credit should be good or better, which is 700 or higher credit score. If you apply for a PNC credit card with your current...

Read more
My credit is bad and I would like to apply for the Big Lots credit card but I'm not sure I will qualify. Do you think I can qualify with my slightly above 500 score and I often shop at Big Lots?

Store credit cards like the Big Lots are usually good for those with average credit, meaning your credit score should be above 600. But it does not mean you won't be able to qualify for this card while your credit is...

Read more
I’ve just started building my credit and thinking to apply for Overstock credit card. Do you think it is good for me?

As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. But it is said that the Overstock credit card is offered to people with good or...

Read more
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FOR LIMITED CREDIT

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