A Penny For You

Marketing Disclosure

3 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. 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.

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

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

Indigo Platinum Mastercard

  • Pre-qualification available with no impact to your credit score
  • $0 - $99 annual fee, depending on credit worthiness
  • Previous bankruptcy OK
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen

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. Discover is top of the line when it comes to secured cards.

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


  • 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

  • The first nationwide savings plan that builds credit
  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC-insured certificate of deposit bank account)
  • At the end of account term you've built credit history and your CD savings unlocks

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.