Best Credit Cards For Low Income Earners

Credit One Bank NASCAR Visa Review

Rating: 4 Stars

Bottom Line:
Good Starter Card

Card Details

Regular APR:	17.99% – 23.99% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1% Cash Back on Eligible Purchases and Double Cash Back at the NASCAR.com Superstore, terms apply
Credit Needed:	(300-669): Bad/Fair
Annual Fee:	$0 – $99
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
Find out if you Pre-Qualify without harming your credit score. It?s fast, easy, and secure.
Zero Fraud Liability ensures that your account is protected against unauthorized charges.
Accounts are automatically reviewed for credit line increase opportunities.
Take advantage of free online access to your Experian credit score and credit report summary. 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.
Always know what’s happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.

Is Credit One Bank NASCAR Visa worth it?

Credit One Bank NASCAR Visa is a solid card for NASCAR fans to build credit – it reports to the three major credit bureaus monthly, doesn’t require a deposit upfront, and offers 2% cash back at the NASCAR.com superstore. Cash back offers are on eligible purchases and vary, but applicants do receive cash back.

Pros

Free access to Experian credit score monthly online
Get cash back. Terms apply.

Cons

Higher than average APR
Up to $99 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3% or $1.00, whichever is greater
Balance Transfer Fee	N/A
Cash Advance Fee	$5.00/8% or $10.00/3%, whichever is greater (see terms)
Penalty APR	None

Benefits

Fraud Liability

Get Started with Credit One Bank NASCAR Visa

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Capital One QuicksilverOne Cash Rewards Credit Card Review

Rating: 5 Stars

Bottom Line:
Simple Cash Back For Fair Credit

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1.5% Cash Back on every purchase, every day
Credit Needed:	(580-669) Average/Fair/Limited
Annual Fee:	$39
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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

Is Capital One QuicksilverOne Cash Rewards Credit Card worth it?

QuicksilverOne Cash Rewards from Capital One is a great card with an ongoing 1.5% cash back rate across all spending categories and a reasonable $39 annual fee. QuicksilverOne Cash Rewards is available to cardholders with average or limited credit and has a high APR.

Pros

Simple flat-rate cash back of 1.5% on all purchases
No foreign transaction fee

Cons

High APR
No intro bonus
Does not offer higher rewards in one category vs. another category – no rotating high cash back opportunities

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	$0
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Capital One QuicksilverOne Cash Rewards Credit Card

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U.S. Bank Secured Visa Review

Rating: 4 Stars

Bottom Line:
Build Credit With Low APR

Apply Now

Card Details

Regular APR:	20.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$29
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Help build or re-establish your credit history with the U.S. Bank Secured Visa Card. This secured credit card can be used like any other credit card, and is accepted worldwide
Enroll in Online Banking and get your TransUnion Credit Score at no cost and receive email alerts when there are big changes to your credit report
Everyone?s schedule is different. So it’s handy to be able to pick your credit card due date

Is U.S. Bank Secured Visa Card worth it?

U.S. Bank Secured Visa is a solid card for people looking to build credit. Compared to popular secured cards, like Citi Secured Mastercard, Discover it Secured, and Capital One Secured Mastercard, U.S. Bank Secured Visa, U.S. Bank Secured Visa has an annual fee while they have none, but U.S. Bank Secured Visa has a lower APR.

U.S. Bank Secured Visa also requires a higher security deposit. The minimum and maximum credit limits are $300 and $5000 respectively, and your credit limit is equal to the value that you choose to deposit. It?s common to want to increase a line of credit, but note that if you would like a credit limit increase, the only way to notify U.S. Bank for this situation is through a letter in the mail.

U.S. Bank will also receive inquiries for credit limit decreases, for a fee of $15, although this is not something that makes financial sense, because your credit score increases when you have more credit available to you. The only time you might lower your credit limit for good reason is in order to match the starting credit limit of a new card you are applying for from the same bank. For example, let?s say you have a $2000 limit on a card from the bank, you might lower it to match the starting credit limit of the new card you applying for, which could be $1000, so that they if they see you have a credit limit of $1000 on another of their cards, they are likely to accept you for the new card with $1000 as well. For most people building or re-building credit with this card, this will not be something they need to be aware of unless they also carry unsecured cards.

While U.S. Bank Secured Visa’s $300 minimum security deposit might seem like a lot of money, if you do decide to close your account, the security deposit will be returned to you within 7-10 days of submitting an account closure form.

Despite having a slightly higher security deposit than average and a $29 annual fee, U.S. Bank Secured Visa is a solid card for people looking for a safe way to build credit.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
APR is lower than secured cards from Citi, Discover, and Capital One

Cons

Minimum deposit of $300 is slightly above average for secured cards
$29 annual fee

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Travel and Emergency Assistance

Get Started with U.S. Bank Secured Visa

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Navy Federal cashRewards Review

Rating: 5 Stars

Bottom Line:
For Members of the Armed Forces and Their Families

Apply Now

Card Details

Regular APR:	11.65 – 18.00% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1.5% cash back on purchases
Credit Needed:	(580 – 850) Average/Fair/Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn $250 bonus cash back when you spend $2,500 within 90 days of account opening
1.5% cash back on purchases
Start redeeming rewards as soon as you earn them
No rewards limit
No rewards expiration while account is open

Is Navy Federal cashRewards worth it?

Navy Federal cashRewards Credit Card is a great card for Navy supporters and members of all branches of the armed forces as well as their families. Cardholders earn 1.5% cash back on purchases and $250 bonus cash back when you spend $2,500 in the first 90 days. The cash is deposited in your savings or checking account or posted as a credit on your statement.

The APR is low and there is no annual fee, no foreign transaction fee, and no cash advance fee if performed at a Navy Federal branch or ATM. This is simply a great card for members of the armed forces and their families.

Pros

Sign up bonus of $250 bonus cash back when you spend $2,500 within 90 days of account opening is competitive with bonuses offered by big banks
APR is low
No foreign transaction fee
No annual fee

Cons

Navy Federal Credit Union only open to members of all branches of the armed forces and their families
No 0% Intro APR period

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction
Penalty APR	18.00%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Navy Federal cashRewards

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Mission Lane Visa Review

Rating: 4 Stars

Bottom Line:
Build Credit and Increase your Credit Limit

Apply Now

Card Details

Regular APR:	29.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Average/Fair
Annual Fee:	$59
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get an instant decision: Find out right now if you?re approved for the Mission Lane Visa?. No more waiting for days or weeks
Get a higher credit line if you’re in good standing after making your first 6 payments on time!
Transparent pricing with no hidden fees: Security deposit? Monthly maintenance fees? Over-the-limit fees? Nope!
Credit reporting to all 3 major bureaus: We report to Equifax, TransUnion, and Experian
Free online credit education: Your finances shouldn’t be a mystery. Our short videos cover saving, credit, and more

Is Mission Lane Visa worth it?

Mission Lane Visa is a great card for people looking to build credit. The credit limit that people are initially approved for gets consistently increased after 6 or more months of on-time payments. Note the customer service has been reported as slow.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
Increase your credit limit with on-time payments

Cons

$59 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	The greater of $10 or 3% of each cash advance
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Get Started with Mission Lane Visa

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Citi Secured Mastercard Review

Rating: 4 Stars

Bottom Line:
Build Credit Without An Annual Fee

Apply Now

Card Details

Regular APR:	24.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Help build your credit history by using your card responsibly
A security deposit is required for this product (minimum of $200). The security deposit is always equal to your credit limit
If you are approved and you deposit $200, your credit limit (the maximum amount you can spend) is $200
Use it anywhere Mastercard is accepted with $0 liability on unauthorized charges
No Annual Fee

Is Citi Secured Mastercard worth it?

Citi Secured Mastercard is a great card for people looking to build their credit by putting down a deposit. By using this card and making on-time payments – 18 months recommended – you can increase your credit limit and increase your credit score. You are ineligible for this card if your credit shows any bankruptcy history within the last two years.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
Minimum security deposit of $200 is on the low end for secured cards
No annual fee

Cons

No rewards
Requires credit check
High regular APR for a secured card: you would be paying interest at 24.24% APR on a loan you gave yourself

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Get Started with Citi Secured Mastercard

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