Finding the best credit card for bad credit can feel challenging, but it’s one of the most effective ways to rebuild your credit history. Even if your credit score is low, there are credit card options available that can help you get back on track. In this article, we’ll explore the top credit cards for bad credit, how they work, and what you should consider before applying.
Why Choose a Credit Card for Bad Credit?
A credit card for bad credit is designed specifically for people who have poor or limited credit history. These cards are easier to qualify for and give you the chance to:
- Build or rebuild your credit score
- Prove responsible payment behavior
- Access small credit limits with gradual increases
When used wisely, they can be a stepping stone toward stronger financial health.
Types of Credit Cards for Bad Credit
1. Secured Credit Cards
A secured card requires a cash deposit as collateral. For example, if you deposit $300, that becomes your credit limit. These are among the best credit cards for bad credit because they report to all major credit bureaus.
2. Unsecured Credit Cards for Bad Credit
Some lenders offer unsecured cards without requiring a deposit. However, they usually come with higher fees and interest rates. These cards may be a good option if you don’t want to tie up your money in a deposit.
Best Credit Cards for Bad Credit in 2025
- Capital One Platinum Secured Credit Card
- Low refundable security deposit
- Reports to all three credit bureaus
- Chance to upgrade to unsecured card
- Discover it® Secured Credit Card
- Cashback rewards on purchases
- Free FICO score tracking
- Automatic review for upgrade
- OpenSky® Secured Visa® Credit Card
- No credit check required
- Easy approval process
- Great option for people with very low credit scores
Tips to Use a Credit Card for Bad Credit Wisely
- Always pay on time to avoid late fees.
- Keep credit utilization below 30%.
- Review your credit report regularly.
- Upgrade to a better card once your score improves.
Final Thoughts
The best credit card for bad credit is the one that helps you rebuild your financial future with fewer fees and smarter rewards. Start with a secured option, use it responsibly, and within months you’ll begin to see your credit score improve.
FAQs About Best Credit Card for Bad Credit
1. What is the easiest credit card to get with bad credit?
Secured credit cards are usually the easiest to get. They only require a refundable security deposit and are designed to help people with poor or limited credit history.
2. Can I get approved for a credit card with a 500 credit score?
Yes, you can. Many secured and some unsecured cards accept applicants with scores as low as 500. Approval usually depends on income and your ability to pay back.
3. Do credit cards for bad credit really help improve my score?
Yes. When you make payments on time and keep your balance low, most issuers report your activity to credit bureaus. Over time, this helps improve your credit score.
4. What is the difference between secured and unsecured credit cards for bad credit?
- Secured card: Requires a cash deposit as collateral.
- Unsecured card: No deposit needed, but may come with higher fees and stricter approval requirements.
5. How long does it take to rebuild credit with a bad credit card?
On average, it can take 6–12 months of responsible usage (on-time payments, low utilization) to see noticeable improvements in your credit score.
6. Are there any credit cards for bad credit with rewards?
Yes. Some secured cards, like the Discover it® Secured, offer cashback rewards even if you have bad credit.
7. Will applying for a credit card hurt my credit score?
Each application creates a “hard inquiry,” which may temporarily lower your score by a few points. However, using the card responsibly can improve your score in the long run.