The card gives cash back rewards of 2% for travel purchases and 1% for all other purchases. "It's rare to find a credit card for those with less-than-perfect credit that offers a rewards program," said Heckathorn.
The best part: It charges no annual fee, a rarity among subprime credit cards. On the flip side, however, the interest rate is a sky-high 24.9%, so don't plan on carrying a balance if you pick this card.
"[The APR] shouldn't matter because your goal should be to build your credit history by using the card sparingly and always paying your balance in full," said Heckathorn. "If you plan on carrying a balance right from the start, this isn't for you."
Since this is an unsecured card, it's going to be harder to get if you have horrible credit, but it's a great option for someone who has limited or no credit history, said Heckathorn.
Credit card issuers are starting to ramp up lending to consumers with less than perfect credit, but be careful not to jump on an offer too quickly.
