4 Best Credit Cards You Can Get with Bad Credit

4 Best Credit Cards You Can Get with Bad Credit

After 21 hours of research evaluating 115 products, we picked Discover it® Secured Card as our top choice.

Quick List: 4 Best

The top four picks on our list
#1
Best Secured Credit Card if You Want Bonus Offers
Discover it® Secured Card
  • Offers cash-back rewards, plus a bonus the first yaer
  • Refundable security deposit, potentially before you close your account
  • No annual fee

 

#2
Capital One Secured Credit Card
  • No annual fee
  • High approval odds
  • Good for rebuiding credit
#3
Best Secured Credit Card for Rebuilding Credit
First Progress Platinum Prestige MasterCard® Secured Credit Card
  • Great for repairing or establishing credit
  • Refundable security deposit
  • Low interest rate
#4
Best for Quickly Rebuilding Credit
U.S. Bank Secured Visa® Card
  • Reports to all three credit bureaus
  • Fraud protection and auto rental insurance
  • Offers automatic payments with FlexControl

Forgive us for being blunt, but life is difficult when your FICO score sucks.

This three-digit number has a major impact on everything from employment offers to rental-home eligibility, and unfortunately, many people judge your trustworthiness by the condition of your cre dit.

So if you are in this type of situation, why is it important to find the best credit card for bad credit? Read on.

If your credit score dips below 619, you’ll probably pay more for everything from furniture payment plans to student loans - if you even get approved in the first place. (It's super tough to find credit cards for people with bad credit. Really.)

It gets worse:

When you get a bad credit car loan, your interest rate might soar as high as 30%. Landlords may require you to pay a larger deposit or fork over a couple months of rent in advance.

Traditional banks may refuse to give you an account, which means you’re probably losing 3% or more of your income each time you cash a check (well, unless you have a prepaid debit card).

And we haven’t even mentioned other things that often cost more for folks with bad credit, including:

  • Medical loans
  • Dental payment plans
  • Automobile insurance
  • Appliances
  • Hotel rooms
  • Rental cars
  • Utility deposits
  • Cell phone service

And pretty much everything else that you need to live a comfortable life in today’s world.

But we’ve got good news:

We aren’t here to judge or lecture you. We’re here to help.

We know that it’s ridiculously difficult to get a credit card when you have bad credit, but we also realize that getting approved for one might help improve your credit score.

That’s why we’ve taken the time to compile a list of the best credit cards for bad credit, including cards for credit scores 500 and lower - and secured products like the Capital One secured credit card.

Check out our detailed descriptions of the bad credit credit cards below so you can make an informed decision before applying. You deserve a fresh start, and we want to make sure it’s a good one.


Have you tried any of these credit cards with bad credit? If not, which ones are you most likely to apply for?

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Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated March 13, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.


Editorial staff

Last updated: March 13, 2018