Credit Cards For People With (Not So) Bad Credit

Prime credit cards - the ones with all the great perks everyone’s raving about - are usually geared towards those consumers with near-pristine credit ratings. If you’re the owner of a somewhat average, slightly unattractive credit score, you’ll probably need to build up a better credit history in order to qualify for most of them.

That doesn’t mean you’ll have to settle for some bad credit cards though. These three credit cards from Capital One feature decent annual fees and charges comparable to many prime credit card offers, with the only caveat being the lower credit limit you will likely get.

Capital One Classic Platinum

There is a promotional 0% interest rate although the range varies depending on the current offer. You might want to check out Capital One’s website for more details. The APR post-promo is still pretty low (will depend on your score and record of use) and annual fee is a pretty low $19 for both the Visa and Mastercard versions.

Capital One Platinum Max

This is an easy approval credit card for people with slight bad credit ratings. Annual fee is a decent $19 with the APR usually being a competitive rate as well. The interest rate, whatever is determined during your approval, will be fixed for the first three years.

Capital One No Hassle Point Rewards

Most reward credit cards require great credit ratings in order to qualify - this one doesn’t. It’s a full-featured rewards card which earns you five points for every dollar spent on gas, grocery and medicine. Despite a $29 annual fee, this offers plenty of benefits for people who otherwise wouldn’t have a chance to own a rewards card.