Top 7 Cards for BAD CREDIT – Get Approved FAST!
Best Credit Cards for Bad Credit in 2025 – Top Picks for Rebuilding Your Score
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| Get approved even with bad credit! Compare the best credit cards now |
If you have bad credit or no credit history, getting approved for a credit card can be challenging. But the right credit card can help you rebuild your credit and improve your financial standing. Below, we’ve compiled a list of the best credit cards for bad credit in 2025, based on their approval odds, APR, fees, and rewards.
1. Capital One Platinum Secured Credit Card
✔ No Annual Fee
✔ Low Security Deposit Requirement ($49, $99, or $200 based on creditworthiness)
✔ Automatic Credit Limit Increase After 6 Months
Capital One Platinum Secured is one of the best options if you're trying to build or rebuild credit. Unlike many secured cards, it offers a low deposit option and reviews your account for possible upgrades to an unsecured card.
Best for: Those looking for a secured credit card with an opportunity to upgrade.
2. Discover it® Secured Credit Card
✔ Earn 2% Cash Back at gas stations and restaurants (up to $1,000 per quarter)
✔ 1% Cash Back on All Other Purchases
✔ No Annual Fee
Discover it® Secured stands out for its cashback rewards—a rare feature among secured credit cards. Plus, it automatically reviews your account for an upgrade to an unsecured card after 7 months.
Best for: Those who want to earn rewards while rebuilding credit.
3. OpenSky® Secured Visa® Credit Card
✔ No Credit Check Required
✔ Credit Limit Based on Your Deposit ($200–$3,000)
✔ Reports to All Three Major Credit Bureaus
If you have a very low credit score or no credit history, OpenSky is a great option because it doesn’t require a credit check. You just need to make a refundable security deposit to open your account.
Best for: People with poor credit or no credit history.
4. Chime Credit Builder Visa® Credit Card
✔ No Credit Check & No Security Deposit
✔ No Annual Fee or Interest Charges
✔ Reports to All Three Major Credit Bureaus
This card is unique because it functions like a secured card without requiring a security deposit. Instead, you need a Chime Checking Account and set up a qualifying direct deposit. It allows you to spend only what you load, helping you avoid debt while building credit.
Best for: Those who already use Chime banking services and want a no-risk way to build credit.
5. Petal® 1 "No Annual Fee" Visa® Credit Card
✔ No Security Deposit Required
✔ Credit Limit Up to $5,000 (based on financial history)
✔ No Annual Fee
Unlike most cards for bad credit, Petal 1 does not require a security deposit. Instead of just checking your credit score, it analyzes your banking history to determine approval. It’s a great option if you have a low credit score but good financial habits.
Best for: Those who don’t want a secured card but need a high credit limit.
6. Self Visa® Credit Card
✔ No Credit Check Required
✔ Must Have a Self Credit Builder Loan
✔ Reports to All Three Credit Bureaus
Self Visa is designed for people who want to build credit while saving money. To get this card, you must first open a Self Credit Builder Loan, which lets you save money and build credit at the same time.
Best for: Those looking to build credit and savings simultaneously.
7. Indigo® Platinum Mastercard®
✔ Pre-Qualification Available (Soft Credit Check)
✔ Accepts Applicants with Bankruptcy History
✔ Annual Fee Varies ($0–$99)
Indigo Platinum is one of the few cards that accepts applicants with past bankruptcies. It’s an unsecured credit card, meaning no security deposit is required. However, it may come with a high annual fee and APR.
Best for: Those with bankruptcy or very poor credit who can’t get a secured card.
How to Choose the Best Credit Card for Bad Credit
📌 Look for Low Fees – Many credit cards for bad credit come with high annual fees and APRs. Choose one with minimal costs.
📌 Pick a Card That Reports to All Three Credit Bureaus – This is crucial for improving your credit score over time.
📌 Decide Between Secured vs. Unsecured Cards – Secured cards require a deposit but have better approval odds. Unsecured cards don’t require a deposit but may have higher fees.
📌 Avoid High-Interest Debt – If possible, pay your balance in full every month to avoid high interest charges.
FAQs About Credit Cards for Bad Credit
🔹 Can I get a credit card with a 500 credit score?
Yes, secured cards like OpenSky or Discover it® Secured are great options.
🔹 Will getting a credit card help my credit score?
Yes, if you use it responsibly—pay on time and keep your balance low.
🔹 How fast can I improve my credit score?
It depends on your financial habits, but with on-time payments and responsible usage, you can see improvements in 3–6 months.
Final Thoughts
Choosing the right credit card can help you rebuild your credit and unlock better financial opportunities in the future. Whether you prefer a secured card with no credit check or an unsecured option with rewards, this list has something for everyone.
💳 Which card do you think is the best for your needs? Let us know in the comments!
📌 Share this article with someone who needs to rebuild their credit! 🚀
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