Subprime cards are typically marketed to people who have a poor credit history and low credit score. Consumers with a limited credit history or a “thin” credit file may also turn to subprime credit cards to establish and build credit, though they may have other options (such as a secured credit card or a credit builder account). Subprime cards tend to have higher APRs, higher fees, lower credit limits, and fewer perks than prime, or “regular,” cards. But not every subprime card suffers from all (or any) of these negatives. Some cards may be weak in one or more areas, but still a good value in other ways. A credit score below 600 will typically mean being stuck with a bad-credit subprime card. But there’s no one score that all card companies define as “subprime.” Rather, companies set their own standards for these cards. Some may have a higher cutoff, while others may accept lower scores. Subprime cards may sound less appealing than regular cards, but the subprime variety can help you establish a credit history or raise a low credit score. By charging small amounts each month and always making your minimum monthly payment (but, ideally, more) on time, you can demonstrate responsible use of credit with a subprime card.