Advertising Disclosure

Credit Cards with Best Rewards for Limited Credit

Today having a simple credit card with a line of credit and a low interest rate is not enough for consumers. Consumers look for rewards, even if they have limited credit or no credit history at all. Rewards credit cards have become must-have cards for everyone. We shop at our favorite shops and want to get rewarded with cash back, points or miles rewards. Below you will find credit cards that give rewards and aimed at consumers with limited credit history.
Sort by:
🔍

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 19.99% - 25.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 19.99% - 25.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair

Card details:

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

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Credit One Bank® Platinum Visa® Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 19.99% - 25.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 19.99% - 25.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Visa® Credit Recommended: Fair

Card details:

Enjoy peace of mind with $0 Fraud LiabilityQualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms applyView updates to your Experian credit score with free online access, terms apply Show More
Make paying your bill easier with the ability to choose your payment due date, terms applyAccess your account on-the-go with the Credit One Bank mobile appNever miss an account update with customizable text and email alertsShow off your personality by selecting from a variety of card designs, a fee may apply
Hide

Picking a Rewards Credit Card

Today, many banks issue credit cards with rewards that are designed for people with limited credit. The cards usually allow earning cash back but there also are point rewards credit cards. Such cards will give you at least 1% cash back or one point for every dollar you spend.

When you choose a rewards program, check out which purchases earn rewards and if there are rotating categories you should sign up. You may not want to earn cash back on gas purchases only or sign up every time a rotating category changes.

Don't forget about credit card fees and interest rates. Make sure the rewards you will potentially earn on your rewards credit card will at least cover an annual fee. As for the interest rates, it is recommended to pay off the card balance each month to avoid interest payments. Thus you will make the most of your credit card rewards.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

I have limited credit history and want to get a credit card with cash back. Is it possible or I should increase my credit score first?

You can get a rewards credit card even with limited credit. However, be ready that rewards will be low and the card will have a bit higher interest rates and fees. Big rewards and low fees are usually offered to people with good and excellent credit history. So, if you are sure your new credit card with rewards will allow you to earn enough rewards to cover at least an annual fee, then it may be worth having such card. Otherwise, we would recommend you to apply for a cheaper credit card, the one without an annual fee and with lower interest rates.

I’m looking for a credit card with cash back. I already have one card which I got six months ago but it doesn’t give cash back. Can you help?

Before you start looking for a new credit card, especially a rewards credit card, make sure your current credit card and other credit accounts, if you have any, are in good standing. If you’ve been late with the credit card fees recently, try to make at least three monthly payments on time and only then apply for a new credit card. Now about the cards. There are credit cards with rewards that are designed for people with limited credit. You can choose a cash back credit card as you need or consider a point rewards credit card. Anyway, we would recommend you to compare all rewards credit cards for limited credit to choose the best one for you.

My credit is limited and I want to apply for a store credit card to earn rewards and get discounts at place where I often shop. What are my chances to get approved for such card?

You should not have any problems with getting a store credit card. The issuers of such cards often have less strict approval requirements and can even approve consumers without any credit history at all. But before you apply for a store credit card, make sure it has a rewards program. Many store credit cards do not offer rewards but give access to discounts and promotional offers. Then check out interest rates. With high interest rates you may accrue some debt which can overweight all rewards and discounts offered. Also, we would recommend you to compare a store credit card with a regular credit card that offers rewards. Banks do offer rewards credit cards to people with limited credit.

I want a cash back credit card that will also allow me to build my credit further. I’ve just started building credit and want to build it fast. Is it possible to get such card?

First of all, credit building is not a fast process. However, you can give a boost to your credit score when you use credit cards regularly and make all monthly due payments with all your creditors on time. As for a credit card with cash back, since you’ve just started building your credit, you can choose from the cards designed for people with limited credit. The cards can offer cash back rewards on all your purchases or on purchases in specific shopping categories. Make sure you are aware of the fees and interest rates before you apply for a credit card. Credit cards for limited credit often come with fees when they have a rewards program.