Credit Cards for Bad Credit
Our recommended credit cards for bad credit - unsecured credit cards, secured credit cards, and prepaid debit cards< - are specifically designed for people with less-than-perfect credit. If you have bad credit, a limited credit history or no credit history at all, read our expert reviews below and choose the best bad credit credit card to help you begin reestablishing your credit history.
If you're having a tough time deciding which card to get or want to know how credit cards can help you rebuild your credit, read our recent featured article on this very topic.
Fair, middling or bad credit doesn’t mean that your chances of being approved for a credit card are non-existent. There are a number of credit cards to build credit on the market targeted at consumers looking for a second chance at building their score. These cards offer you the opportunity to climb out of debt by showing creditors you’re ready to use credit responsibly. There are several different types of credit cards for bad credit - all of which are designed to get you back in the good graces of creditors.
Many credit cards for poor credit are require a deposit, though there are some unsecured options on the market as well that can improve bad credit with no deposit. However, these unsecured cards can include high APR’s and some undesirable annual fees. With that being said, we generally recommend applying for a secured card as these give you the best opportunity to improve your credit. Prepaid debit cards, while not a credit builder, also offer some great cardholder benefits. Below we've listed the best bad credit offers available to consumers in each category - Secured, Unsecured and Prepaid.
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If you have bad credit, it is imperative you make your credit card payments on time and in full every month. This type of behavior is what will be vital in improving your credit score.