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The best credit cards for people with bad credit still offer some cashback and bonus rewards.
It’s possible to qualify for credit cards even if you have bad credit or no credit history at all. In fact, responsibly using a credit card is one of the easiest ways to establish credit history and repair your credit score.
You probably won’t qualify for credit cards with amazing rewards and perks, and the APR will likely be high. But if you can stay on top of payments and spend within a budget, you can expect to see a jump in your credit score over time.
So what are the best credit cards for bad credit borrowers, and how can you decide which is right for you? To help, we’ve compiled a list of our six favorites, including both secured and unsecured card options.
The Best Credit Cards for Bad Credit
- Discover it Secured Credit Card: Best Secured Credit Card
- Petal 1 “No Annual Fee” Visa Credit Card: Best Unsecured Credit Card
- Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Rewards
- Capital One Platinum Secured Credit Card: Best for Low Deposit
- Chime Credit Builder Secured Visa Credit Card: Best for No Interest
- Tomo Credit Card: Best for High Credit Limit
Discover it Secured Credit Card
Best Secured Credit Card for Bad Credit
Key Features
- Hefty welcome bonus
- Cash back rewards
- No annual fee
The Discover it Secured Credit Card tops our list of the best credit cards for bad credit. If you can come up with the $200 minimum security deposit, you have a unique opportunity to establish or repair your credit history while also earning rewards — up to 2 % cashback.
Discover it Secured Credit Card
Annual fee
N/A
Regular APR
25.99% variable
Rewards rate
1% to 2% cashback
Welcome bonus
Cashback Match
Security deposit required
$200
Foreign transaction fee
N/A
Recommended credit score
Poor credit (300 or higher) or no credit history
More About Discover it Secured Credit Card
A secured credit card poses less risk to…
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