Credit Cards for Bad Credit: Get Back On Track With New Credit

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It’s a catch-22, you can’t build your credit score unless you have access to a credit card, but getting a credit card when you have bad credit can be difficult – unless you find credit cards for bad credit.

Credit cards for bad credit help people with low credit scores add positive information to credit reports. While most people can get approved for a secured card for bad credit, unsecured cards for bad credit are available too.

Credit cards for bad credit aren’t the only credit building tool but they are the most expedient. The best credit cards for bad credit have low interest rates and no annual fees. But when your credit is shaky it’s going to be rare to find credit card issuers that don’t charge an annual fee.

The easiest way to start building credit is with a secured card. Secured credit cards offer the best approval odds, plus, some secured credit cards graduate to unsecured credit cards.

Unsecured credit cards are available to people with bad credit too. But be aware, some come with high annual fees attached. And you can most certainly count on credit cards for bad credit to have lower credit limits.

Upgrade Card

Card Features
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Annual Fee: See Terms* Intro APR: N/A Ongoing APR: *See Terms Intro APR: N/A
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First Digital Mastercard®

Card Features
  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
Annual Fee: See Terms* Intro APR: N/A Ongoing APR: *See Terms Intro APR: N/A
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X1 Credit Card

Card Features
  • X1 Credit Card is a no credit check visa that offers consumers the chance to get a credit limit based on their income, not their credit score.
  • Credit limits are based on current and future income.
  • Cardholders will earn a flat 2 points per dollar on every purchase.
  • Cardholders that spend more than $15,000 in a year will earn 3 points for every dollar you spend during the year.
  • Credit limits will automatically increase over time.
  • To manually increase your credit limit you can link your bank account and provide pay stubs.
  • No late fees.
Annual Fee: $0 Regular APR:: 12.9% to 19.9% Purchase APR (variable)
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OpenSky® Secured Visa® Credit Card

Card Features
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card
Annual Fee: $35 Intro APR: N/A Ongoing APR: 17.39% Variable Balance Transfer: N/A
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Step to take after credit cards for bad credit are opened

  • Review your credit reports
    Regularly review your credit reports, at least 3 to 4 times a year for unauthorized activity, errors and unpaid bills. You may request a free copy of your credit report annually at annualcreditreport.com.
  • Dispute errors
    Credit bureaus maintain tons of information on consumers. Mistakes are bound to happen. Dispute those mistakes as soon as possible.
  • Don’t close old accounts
    Lowering your available credit will lower your credit score.
  • Use your accounts
    Make purchases and pay the full balance each month.
  • Maintain a low balance-to-limit ratio
    Using less of your available credit will help raise your credit score.
  • Pay bills on time
    Lenders consider payment records to help determine your reliability.
  • Start early
    The length of your credit history is a key factor in determining your credit scores. Don’t wait to build or rebuild credit.

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