Credit Cards for Bad Credit: apply today
Looking for a credit card with a low credit score? Here's which cards are built for that situation and how to apply for one online.
A low credit score doesn't automatically shut you out of getting a credit card.
Plenty of lenders offer cards aimed at people with thin credit files, a few missed payments in the past, or simply lower scores.
How much credit limit do you need?
Some of these cards ask for a refundable security deposit up front. Others give you unsecured credit, but only if you meet certain eligibility rules.
Once you know how these cards actually work, it's much easier to pick one and start rebuilding your credit history.
Understanding Credit Cards for Bad Credit
Bad credit cards exist for applicants whose credit history would likely get them turned down for a standard card.
In the United States, a FICO score below 580 is generally considered poor. Still, lenders use different scoring models and set their own approval bars.
Two common categories are available:
- Secured credit cards: Require a refundable deposit that generally helps determine the initial credit limit.
- Certain cards ask for a security deposit you can get back, whereas others extend unsecured credit under particular eligibility rules. Do not require a security deposit, but may have higher interest rates, annual fees, or other charges.
Secured cards are often a smart place to start. You get access to credit, and every on-time payment helps build a positive track record.
There's a catch, though: the card only improves your credit if the issuer reports your activity to the credit bureaus.
And no card guarantees approval. Not even the ones marketed specifically to people with bad credit.
How to Apply for a Credit Card With Bad Credit
Most issuers let you apply directly on their official website.
Check your credit report:
Review your credit history and identify any inaccurate information.
Compare available cards:
Look at security deposits, annual fees, APRs, and credit reporting policies.
Check prequalification options:
Some issuers let you explore eligibility without affecting your credit score.
Prepare your information:
Gather your identification, residential address, income details, and other required information.
Complete the application:
Visit the official issuer website and submit the requested details.
Review the decision:
If approved, follow the instructions to provide any required deposit and activate your card.
Keep in mind that a formal application can trigger a hard credit inquiry. Being prequalified? That doesn't mean you'll get the final yes.
Credit Card Options for Bad Credit
A number of lenders offer cards that can help you build credit from scratch or rebuild it after a rough patch.
1. Capital One Platinum Secured
- Skip the security deposit, though they may carry steeper interest rates, annual fees, or extra charges.: A refundable minimum deposit of $49, $99, or $200, based on eligibility.
- Yearly fee: None ($0).
- Credit line: Your starting credit line begins at $200.
- Ideal for: People who want a secured card that may require a smaller deposit.
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2. Discover it Secured Cash Back
- Deposit required: You must put down a refundable deposit, and the starting credit line is $200 or more.
- Yearly fee: None ($0).
- Perks: Earn cash back on qualifying purchases.
- Ideal for: Establishing credit and collecting rewards at the same time.
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3. OpenSky Secured Visa Credit Card
- Deposit required: From $200.
- Yearly fee: $35.
- Credit inquiry: No credit check required to apply.
- Best for: Applicants with poor credit or limited credit histories.
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4. Chime Card
- Security deposit amount: There is no minimum deposit.
- Annual fee: $0.
- Interest charges: You won't pay any interest.
- : Applying does not involve a credit check.: No credit check is needed.
- Best for: Growing your credit using funds you already have in your account.
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To use the Chime secured card, you'll need an eligible Chime Checking Account, and it doesn't work like a typical revolving credit card.
Benefits and Tips for Rebuilding Credit
Used well, a card for bad credit gives you a chance to build better money habits and, over time, look more creditworthy to lenders.
Their potential benefits include:
- Building a credit history: Paying on time and responsibly can strengthen your credit profile.
- Accessible options: Certain cards take applicants whose credit history is thin or damaged.
- Applying onlineMost issuers let you complete the application digitally.
- Financial control: A secured card can set a spending limit you can actually manage.
- Future opportunities: A record of on-time payments can improve your chances of qualifying for other financial products.
Want to get the most out of it? Pay every bill on time, keep your balances low, and don't charge more than you can actually pay back.
Read the interest rates and fees carefully. This matters most with unsecured cards pitched at people with poor credit.
If you're rebuilding your financial profile, a credit card for bad credit can be a practical first step.
Affordable terms and steady, on-time payments matter far more than landing a big credit limit right away.
