Best Cards For Bad Credit

Have bad credit? Credit cards for bad credit help people rebuild credit and improve the score. These credit cards do not offer great rewards and exclusive perks. Credit cards for bad credit are basic cards that can help you rebuilt your credit. The best credit cards for bad credit are secured cards. Meaning you will have to pay a security deposit, this will protect the card issuer in case of non-payment. There are also unsecured credit cards where you don’t have to pay the security deposit. Whatever the card may be, make sure to pay on time and maintain your credit report each month. Below are our suggestions for the best credit cards for bad credit.

Best Picks For Bad Credit

Best secured card for bad credit

Discover it® Secured

Rewards & Perks
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Discover will automatically match all the cash back you’ve earned at the end of your first year.

24.49% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers

No annual fee

  • It’s a real credit card that help you build your credit history.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score.
  • Your secured credit card requires a refundable security deposit. You choose the deposit amount up to the credit line approved.
  • This card automatically matches all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match.

No foreign transaction fee

Best for no credit check

OpenSky® Secured Visa® Credit Card

Rewards & Perks
  • This card doesn’t earn cash back, points or miles.

No current offer

18.89% variable on purchases and balance transfers

N/A

$35 annual fee

  • This card don’t check your credit when you apply. Instead of being offered a credit line based on your past credit history, you choose your credit line and secure it by making a one-time, refundable deposit. 

3% foreign transaction fee

Best credit card for after bankruptcy

Indigo® Platinum Mastercard®

Rewards & Perks
  • This card doesn’t offer cash back, miles, or points

No current offer

24.90% fixed

N/A

$0-$99

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response

1% foreign transaction fee

Best for quick pre-qualification

Milestone® Gold Mastercard®

Rewards & Perks
  • This card doesn’t offer cash back, miles, or points

No current offer

24.90% fixed

N/A

$35-$99 annual fee

  • Quick pre-qualification available with no impact to your credit score.
  • Easy pre-qualification process with fast response.
  • Free online account access.
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK

Best card with a high limit

Surge Mastercard Credit Card

Rewards and Perks
  • This card doesn’t offer cash back, miles, or points

N/A

29.9%

N/A

The Surge Mastercard® charges an eye-popping $125 annual fee your first year (after that the annual fee is $96).

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted

Best for establishing credit

Self - Credit Builder Account + Secured Visa Credit Card

Rewards & Perks
  • This card doesn’t offer cash back, miles, or points

N/A

15.65% – 15.97% variable

N/A

One Time $9 + Secured Card $25

  • Combined credit builder account and secured card products to help you build credit and save* money (minus interest and fees)
  • No credit check. No credit history required.
  • Start with a credit builder account that reports to all 3 credit bureaus. Each monthly payment builds credit history and savings. Choose the plan that works for you.
  • Make at least 3 monthly payments on time, have $100 or more in savings progress in your account, and be in good standing.** You’ll automatically be eligible for the Self Visa Credit Card, without a credit check.

No foreign currency conversion fees