Updated June 4th, 2018

Finding credit cards for bad credit can be a difficult process. Which is why we've vetted some of the most popular credit cards on the market to bring you our shortlist of the best credit cards for bad credit. Whether your credit score is low because you filed for bankruptcy or you haven't been practicing good credit hygiene, our picks can get you on the right path to making your credit score shine as you establish a history of paying on time and keeping debt levels low. These two credit behaviors are the key to improving your credit score, since on-time payments and credit utilization (debt divided by available credit) account for 35% and 30% of your FICO credit score, respectively. We want your credit score to be a badge of honor you can proudly wear as evidence of your smart money moves. So, let's get started with our picks of the best credit cards for bad credit.

Discover it® Secured
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Discover it® Secured

Best for: No annual fee and cash rewards

Many secured credit cards lack cash rewards and Discover it® Secured is one best-in-class exception. Gas and restaurant purchases earn 2% (on the first $1,000 of spending each quarter) while all other purchases earn 1% cash back. Plus, Discover doubles all the cash back earned in the first year, making bonus categories worth up to 4% cash back. The refundable security deposit starts at $200 to establish your credit line and Discover will review your account after eight months to potentially qualify you for an unsecured line of credit. Read our full Discover it® Secured review for more.

Capital One® Secured Mastercard®
Apply Now On Capital One's Secure Website

Capital One® Secured Mastercard®

Best for: No annual fee and low security deposit

This secured credit card is best for cardholders wanting a low security deposit, which can be $49, $99, or $200 and is based on your creditworthiness. This refundable security deposit grants you a $200 credit line. You can also receive a higher credit line after five consecutive months of on-time payments. While the card doesn't have a cash rewards program, the low security deposit and $0 annual fee make it a solid option. Read our full Capital One® Secured Mastercard® review for more.


Best Credit Cards For Bad Credit


Card Offer Best For
Discover it® Secured No Annual Fee and Cash Rewards
Capital One® Secured Mastercard® No Annual Fee and Low Security Deposit

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