A very basic card with no annual fee (but also no rewards) for people with bad or limited credit.
Issuer
Capital One
Capital One
Network
Mastercard
Mastercard
Credit Score Required
Bad (<580)
Bad (<580)
X
Pros
- People with bad or limited credit can get the card.
- No annual fee.
- No balance transfer fees.
- No foreign transaction fees.
Cons
- No ongoing rewards.
- No early spend bonus.
- High APR.
Rewards & Perks
- This credit card has no notable rewards.
Rates & Fees
- No annual fee.
- Required Security Deposit: $49, $99, or $200 refundable deposit based on your creditworthiness
- APR for purchases and balance transfers: 25.99%.
- No balance transfer fees.
- No foreign transaction fees.
Total savings over 5 years: $0
A basic card for people who have below-average credit and/or don't care about rewards.
Issuer
Capital One
Capital One
Network
Mastercard
Mastercard
Credit Score Required
Below Average (580-669)
Below Average (580-669)
X
Pros
- No annual fee.
- No foreign transaction fees.
Cons
- No ongoing rewards.
- No early spend bonus.
- High APR.
Rewards & Perks
- This credit card has no notable rewards.
Rates & Fees
- No annual fee.
- APR for purchases and BTs: 25.99%.
- No foreign transaction fees.
Total savings over 5 years: $0