In general, a poor credit rating can be caused by a number of reasons, including failure to pay personal loans, home mortgage, car loan, household bills, loan defaults and bankruptcy. Although having bad credit will not prevent you from receiving a credit card, it will make the process more difficult.

In order to obtain the cards, you can refer to the credit card providers which specialize to offer cards for people with poor credit. In the current market, there are financial institutions that offer both secured and unsecured credit cards for people with bad credit.

If you have the intention to look for one, below is some useful guidance for you. There are five special characteristics of the best credit cards:

  • Low annual percentage rate (APR)
  • Waived annual fee and processing fee
  • Recognized world wide
  • Provide credit building services
  • Attractive account features, such as direct deposit, bill pay, free email and sms alerts, etc.

Let’s take a look at the top “special” credit cards in United States:

1. Orchard Bank Classic Master Cards

These cards are well accepted at millions of locations worldwide. They can be used for online transactions too. All the account information is updated from time to time so that the cardholders are able to manage their debts in a convenient manner. In order to assist the cardholders to improve their credit, the bank sends emails and text messages to remind the cardholders of the upcoming payment due date so that they can make their repayment promptly.

2. AccountNow Prepaid Visa Cards

For people who have poor credit history or no credit history, they are advised to apply for these cards. They will be able to build their credit by using these cards. All the transactions are reported to one of the popular national credit bureaus, i.e. Payment Reporting Builds Credit. Besides creating good credit for individuals, these cards offer cash access at over one million ATMs worldwide.

3. First Premier Bank Credit Cards

These cards are specially designed for people who intend to repair their credit through credit cards. The institution reports to the major Consumer Reporting Agencies monthly. Furthermore, the cardholders will be charged a low APR.

4. Ultra VX Visa Cards

These cards are popular among people with bad credit as they offer credit reporting services to clients. They also offer credit line up to USD25, 000. Another special feature is the reward offered to the cardholders where they can enjoy benefits from American Airlines, Southwest, Marriot, jetBlue, etc. whenever they swipe their cards.

5. New Millennium Bank Secured Black Diamond Visa or Master Cards

The bank reports their clients’ transactions to all the 3 credit bureaus. It offers credit limit up to USD 10,000 to their clients.

6. Centennial Credit Cards

These cards are nationally recognized and the cardholders are offered a very attractive fixed APR. The account history of the clients is reported monthly to the major Consumer Reporting Agencies.

By knowing the best service providers in the market, you will be able to obtain a good credit card which is specially designed for people with poor credit rating. You should utilize the card in a proper way in order to repair your credit score.