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Best Bad Credit Credit Cards

Millions of Americans are walking around with bad credit. Having bad credit doesn't mean that you don't have choices when it comes to credit cards. Don't sacrifice a good credit card because of previous mistakes. Here are our 3 favorite cards for people with bad credit. 

Not looking for a credit card? Check out our Best of Building Credit to see our list of products that are built to serve users with bad or poor credit.

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Petal Credit Card


  • Credit Limits between $500 – $10,000
  • No FICO score required. Petal can use your connected bank accounts for account approval.
  • Earn up-to 1.5% cash back with responsible use
  • No annual fee

Indigo® Platinum Mastercard® Credit Card


  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.


Discover it® Secured Card


  • $0 Annual Fee
  • $200 Minimum security deposit
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in comnbined purchases each quarter.
  • Earn 1% cash back on all other purchases.
  • Qualified cardholders may be upgraded to a non-secured line of credit in as little as 8 months
  • Terms Apply

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Additional Bad Credit Credit Cards

We really can't recommend many other cards for bad credit. For non-secured options, Credit One and Indigo are the best options out there, without paying outrageous fees. 

Still looking for something else? Check out Self Lender. Self Lender is a savings plan that builds credit.

CardMatch

  • Get matched to credit cards you're more likely to qualify for
  • No impact to your credit score
  • Find offers from Capital One, American Express, Chase, Bank of America, and more all with the click of a button

Self Lender Credit Builder

  • Get the savings plan that helps build credit today! No checking account or security deposit required.
  • Choose the amount you want to save and make monthly payments towards your savings goal.
  • Monthly payments are reported to the three major credit bureaus.
  • For Example: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%.

OpenSky® Secured Visa® Secured Card

  • $35 Annual Fee
  • $200 Minimum security deposit
  • Join a community of other people just like you to share you credit building journey
  • Terms Apply

Capital One® Secured Mastercard®

  • $0 Annual Fee
  • $49 Minimum security deposit
  • Get access to a higher credit line after 5 monthly payments on time
  • Terms Apply

Credit One Unsecured Visa

  • Find the card that's right for you without affecting your credit score.
  • $0 - $99 annual fee, depending on your credit worthiness
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
  • Credit One Bank allows you to choose your monthly payment due date.
  •  Terms apply.


CardMatch


  • Get matched to credit cards you're more likely to qualify for
  • No impact to your credit score
  • Find offers from Capital One, American Express, Chase, Bank of America, and more all with the click of a button

Self Lender Credit Builder


  • Get the savings plan that helps build credit today! No checking account or security deposit required.
  • Choose the amount you want to save and make monthly payments towards your savings goal.
  • Monthly payments are reported to the three major credit bureaus.
  • For Example: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%.

OpenSky® Secured Visa® Secured Card


  • $35 Annual Fee
  • $200 Minimum security deposit
  • Join a community of other people just like you to share you credit building journey
  • Terms Apply

Capital One® Secured Mastercard®


  • $0 Annual Fee
  • $49 Minimum security deposit
  • Get access to a higher credit line after 5 monthly payments on time
  • Terms Apply

Credit One Unsecured Visa


  • Find the card that's right for you without affecting your credit score.
  • $0 - $99 annual fee, depending on your credit worthiness
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
  • Credit One Bank allows you to choose your monthly payment due date.
  •  Terms apply.