A Penny For You

Marketing Disclosure

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.

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.


Indigo® Platinum Mastercard® Credit Card


  • Easy pre-qualification process with fast response
  • All credit histories considered
  • 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.

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

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


  • 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


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

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