20+ results for "บัตรเครดิตสำหรับคนคะแนนเครดิตต่ำ"

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C

Who it's for: People wanting to build credit within the Citi ecosystem

  • Annual fee No annual fee
  • Rewards —
  • APR 23.49%

Solid secured card from a major issuer. No annual fee and a clear path to graduating to an unsecured Citi card.

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P

Who it's for: Students with no credit who want a no-fee card

  • Annual fee No annual fee
  • Rewards 1.5%
  • APR 18.24%

No annual fee, no foreign transaction fees, no late fees on first occurrence. The alternative underwriting helps students without credit history.

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T

Who it's for: Students with no credit wanting guaranteed approval

  • Annual fee No annual fee
  • Rewards —

Uses bank transaction data instead of credit scores. Must pay full balance — functions like a charge card.

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S

Who it's for: Students with bad credit denied by other issuers

  • Annual fee $75
  • Rewards —
  • APR 29.99%

Last-resort student card with high fees. Only consider if denied everywhere else.

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D

Who it's for: International students building US credit

  • Annual fee No annual fee
  • Rewards 1%
  • APR 18.74%

One of the few cards that accepts international students without SSN. Rewards are modest but accessibility is the draw.

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G

Who it's for: People who want to passively build credit using subscriptions they already pay for, without taking on traditional credit card risk.

  • Annual fee No annual fee
  • Rewards —

Grow Credit takes a unique approach — rather than traditional spending, it pays your existing subscription bills (Netflix, Spotify, etc.) and reports those payments to all three credit bureaus. The free tier covers one subscription, and paid tiers cover more. It's a passive way to build credit without changing your spending habits.

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A

Who it's for: People with fair credit scores who want an unsecured credit card without tying up money in a security deposit.

  • Annual fee No annual fee
  • Rewards —
  • APR 28.99%

Avant offers an unsecured card to people with fair credit who may not qualify for mainstream cards. No deposit is required, which is a significant advantage over secured cards. The card reports to all three bureaus, making it a legitimate credit-building tool.

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B

Who it's for: People rebuilding credit who want to maximize rewards by tailoring their bonus category to their spending habits.

  • Annual fee No annual fee
  • Rewards —
  • APR 28.24%

BofA brings its popular Customized Cash Rewards earning structure to the secured card space. You choose your 3% category from options like gas, online shopping, dining, travel, or home improvement. The 2% on groceries is automatic. One of the best rewards structures available on any secured card.

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P

Who it's for: Students and young adults with absolutely no credit history who want their first credit card without needing a cosigner or security deposit.

  • Annual fee No annual fee
  • Rewards —
  • APR 24.74%

Petal 1 is one of the few cards specifically built for people with zero credit history. Instead of relying solely on credit scores, it analyzes your banking data to determine eligibility. Ideal for students who have a bank account but no credit file yet.

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T

Who it's for: Regular shoppers at T.J. Maxx, Marshalls, HomeGoods, or Sierra

  • Annual fee No annual fee
  • Rewards —
  • APR 28.99%

A solid store card for off-price shoppers, covering five TJX brands with 5% back and no annual fee.

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G

Who it's for: Shoppers who regularly buy from any Gap Inc. brand (Old Navy, Banana Republic, Athleta, Gap)

  • Annual fee No annual fee
  • Rewards —
  • APR 27.49%

Strong value across the Gap family of brands — 5% back at four major retailers, not just one.

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N

Who it's for: Regular Nordstrom shoppers who value early sale access and alterations

  • Annual fee No annual fee
  • Rewards —
  • APR 25.15%

A straightforward department store card with early sale access — good for loyal Nordstrom shoppers but the 3% return is average.

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C

Who it's for: Costco members who spend heavily on gas, restaurants, and travel

  • Annual fee No annual fee
  • Rewards —
  • APR 20.49%

One of the best no-annual-fee cards for gas rewards, plus solid restaurant/travel rates — but requires a paid Costco membership.

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M

Who it's for: Electronics buyers making large purchases who want 0% financing periods

  • Annual fee No annual fee
  • Rewards —
  • APR 27.49%

Best for big-ticket electronics purchases where the special financing lets you spread payments interest-free.

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W

Who it's for: Walmart.com shoppers who frequently use online ordering or pickup/delivery

  • Annual fee No annual fee
  • Rewards —
  • APR 24.4%

Solid for Walmart online shoppers getting 5% back, but the in-store rate of 2% is average.

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B

Who it's for: Bank of America customers who can take advantage of Preferred Rewards to boost cash back rates

  • Annual fee No annual fee
  • Rewards 1.5%
  • APR 15.74%

A straightforward cash back card that shines for Bank of America customers. Preferred Rewards members can boost the base 1.5% rate up to 2.62%, making it competitive with or better than most flat-rate cards. The 0% intro APR adds flexibility for large purchases.

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W

Who it's for: People who want the highest possible flat-rate cash back combined with a 0% intro APR period

  • Annual fee No annual fee
  • Rewards 2%
  • APR 20.24%

The Active Cash delivers one of the highest flat-rate cash back percentages available — 2% on everything with no categories to manage. The 0% intro APR for 15 months makes it excellent for large purchases you need time to pay off.

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