Credit Cards for Bad Credit: apply today
Discover credit cards designed for people with low credit scores and learn how to apply online.
Having a low credit score does not necessarily mean you cannot qualify for a credit card.
Several financial institutions offer cards designed for people with limited credit histories, past payment difficulties, or lower credit scores.
What credit limit are you looking for?
Some options require a refundable security deposit, while others offer unsecured credit with specific eligibility requirements.
Understanding how these cards work can help you choose an option and start rebuilding your credit history.
Understanding Credit Cards for Bad Credit
Credit cards for bad credit are designed for applicants who may not qualify for traditional cards because of their credit history.
In the United States, a FICO credit score below 580 is generally considered poor, although lenders use different scoring models and approval criteria.
Two common categories are available:
- Secured credit cards: Require a refundable deposit that generally helps determine the initial credit limit.
- Unsecured credit cards: Do not require a security deposit, but may have higher interest rates, annual fees, or other charges.
Secured cards are often worth considering because they can provide access to credit while helping cardholders establish a positive payment history.
However, the issuer must report account activity to credit bureaus for the card to contribute to your credit history.
Approval is never guaranteed, even for products marketed toward applicants with bad credit.
How to Apply for a Credit Card With Bad Credit
Most credit card issuers allow customers to apply directly through their official websites.
Check your credit report:
Review your credit history and identify any inaccurate information.
Compare available cards:
Look at security deposits, annual fees, APRs, and credit reporting policies.
Check prequalification options:
Some issuers let you explore eligibility without affecting your credit score.
Prepare your information:
Gather your identification, residential address, income details, and other required information.
Complete the application:
Visit the official issuer website and submit the requested details.
Review the decision:
If approved, follow the instructions to provide any required deposit and activate your card.
A formal application may result in a hard credit inquiry, and prequalification does not guarantee final approval.
Credit Card Options for Bad Credit
Several financial institutions offer cards that may help applicants establish or rebuild their credit histories.
1. Capital One Platinum Secured
- Security deposit: $49, $99, or $200 minimum refundable deposit, depending on eligibility.
- Annual fee: $0.
- Credit limit: Initial credit line starts at $200.
- Best for: Applicants seeking a secured card with a potentially lower deposit.
You will be redirected to another site.
2. Discover it Secured Cash Back
- Security deposit: Refundable deposit required, with an initial credit line of at least $200.
- Annual fee: $0.
- Benefits: Cashback rewards on eligible purchases.
- Best for: Building credit while earning rewards.
You will be redirected to another site.
3. OpenSky Secured Visa Credit Card
- Security deposit: Starting at $200.
- Annual fee: $35.
- Credit check: No credit check required to apply.
- Best for: Applicants with poor credit or limited credit histories.
You will be redirected to another site.
4. Chime Card
- Security deposit: No minimum deposit required.
- Annual fee: $0.
- Interest: No interest charges.
- Credit check: No credit check required.
- Best for: Building credit with money already available in your account.
You will be redirected to another site.
Chime requires an eligible Chime Checking Account. Its secured card operates differently from conventional revolving credit cards.
Benefits and Tips for Rebuilding Credit
Credit cards designed for bad credit can provide an opportunity to establish better financial habits and improve creditworthiness over time.
Their potential benefits include:
- Credit history development: Responsible payments may improve your credit profile.
- Accessible options: Some products accept applicants with limited or damaged credit histories.
- Online applications: Many issuers provide digital application processes.
- Financial control: Secured cards can help establish manageable spending limits.
- Future opportunities: Positive payment history may support eligibility for other financial products.
To make the most of your card, pay every bill on time, keep balances low, and avoid spending more than you can afford to repay.
Review interest rates and fees carefully, particularly when considering unsecured cards marketed toward people with poor credit.
A credit card for bad credit can be a useful starting point for rebuilding your financial profile.
Choosing affordable terms and maintaining consistent payment habits are more important than obtaining a large credit limit immediately.