BEST CREDIT CARDS FOR BAD CREDIT
OCTOBER 2019

A low credit score doesn't mean you can't enjoy the benefits of a major credit card. Discover the best credit cards for those with bad credit.

UPDATED FOR OCTOBER 2019
SCORE
FEATURES
MIN CREDIT SCORE
9.8

  • Intro APR: Not Available
  • Regular APR: 26.99% Variable APR
  • Annual Fee: $0
300

Capital One® Secured Mastercard®

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
9.5

  • Intro APR: Not Available
  • Regular APR: 19.64% Variable APR
  • Annual Fee: $35
300

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card.  Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
8.2

  • Intro APR: Purchase: 2.99% for 8 Months
  • Regular APR: 18.00% Variable
  • Annual Fee: $0
300

First Hawaiian Bank Heritage Mastercard®

  • The Heritage Credit Card is a no frills credit card great for those just getting started with credit or those looking to consolidate higher interest rate balances.
  • The Heritage Card allows you to save money with a low introductory rate.
  • Transfer your higher rate balances to save money and simplify your finances.
8.0

  • Intro APR: Not Available
  • Regular APR: 13.99%
  • Annual Fee: $39
0

Green Dot primor® Visa® Classic Secured Credit Card 

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details
7.7

  • Intro APR:10.99% on Balance Transfers for 6 months
  • Regular APR: 24.99% Variable APR
  • Annual Fee: $0
300

Discover it® Secured

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

FAQ's About Credit Cards

Despite the fact that credit cards are extremely common and easy to use, there are many features and conditions which may be new to some people. If you're looking for more information on credit cards check out our credit card FAQs to learn more.

Before committing to a credit card, ask yourself why you need this? You will want to analyze your spending habits and ensure you can make your monthly payments on time to avoid penalty fees. Areas to consider when comparing credit cards include APR, annual fees, loyalty schemes, introductory offers, and cashback.
You may want to apply for a new credit card if you feel your current card does not deliver the best results. Whether a lack of rewards, high-interest rates, or an unpleasant annual fee in which you do not receive any benefits. Many companies reward their customers for spending so ensure you are receiving yours. You may receive offers for better deals elsewhere and wish to take advantage of their generous sign-up bonuses.
For your convenience, the internet provides an excellent source for comparing almost anything these days. If unsure which credit card is best for you, simply browse the web for comparison sites which will outline the top credit cards on the market and their features. This allows you to explore what applies to your needs and which option will be most beneficial for you and your spending.
Generally, there is no legal limit on the number of credit cards an individual can have. However, owning too many may flag a warning sign for some issuers. It's best advised to look at your financial situation and only open up a credit card if you essentially need to, as having too many may affect your credit score.
Some companies have a high approval rate, even for those with low credit. These secured credit cards allow individuals to build up damaged credit by responsibly spending and making all of their repayments on time. Look for issuers specifically for this reason.
When applying for a credit card, you should consider the available benefits such as an introductory offer, cash back on purchases, discounts, rewards, and insurance options. For those who enjoy travel, many credit card issuers offer air travel miles, flight extras, or hotel points for complimentary nights.
APR stands for annual percentage rate and refers to the annual interest rate charged on your credit card. Actual APR numbers vary but will usually cap at around 25%. The APR of your credit card will depend on various factors such as credit score, income, and financial history.
All credit cards have an APR, annual percentage rate. This refers to the interest rate that applies to your monthly statements. If you have any balance on your credit card and carry it over to the next month, your APR will be applied, and you will be charged accordingly. APR differs for every credit card issuer and each application, depending on contributing factors such as credit scores.