Best Credit Cards for Bad Credit
While your options are unfortunately limited when you have damaged or bad credit, you need to start from somewhere in rebuilding your credit. Our Editor's Best Credit Cards for Bad Credit is the perfect place to do so because the products listed below are all tailored to building credit in an efficient, inexpensive manner.
We consider them to be the best bad credit credit cards because they have some of the lowest membership and one-time fees and they all report monthly to the major credit bureaus. While there are occasionally some unsecured options on this page, we always recommend getting the best secured credit card if you're willing to place a refundable security deposit. Read more about our Editor's Picks for the Best Credit Cards for Bad Credit.
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- Min Deposit: $49 - $200
- Annual Fee: $29
- Monthly Fee: None
- One-time Setup Fees: None
- Regular APR: 22.9% (V)
- Editor's Notes: While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its class, the fact that it can be a partially-secured card makes it quite an attractive option for many consumers. With a partially-secured credit card, your credit line may exceed the amount of your security deposit, thereby providing you with an emergency line of credit, if needed, and enabling you to maximize your available credit. The more credit you have available, the faster your credit standing will improve. The Capital One Secured MasterCard Credit Card is therefore an option that at least merits consideration if you have bad or limited credit.…more
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- Min Deposit: $300
- Annual Fee: None
- Monthly Fee: None
- One-time Setup Fees: None
- Regular APR: 22.99% (V)
- Editor's Notes: Don’t let the branding fool you, the Harley Davidson Secured Credit Card is one of the best secured cards on the market given that it doesn’t charge an annual fee. Secured cards are most commonly used by people who have damaged or little credit, and the most important thing to look for in either situation is a card with low fixed costs for which you can qualify. Low interest rates and rewards are of lesser concern because secured cards don’t tend to offer them. The fact that the Harley Card does offer some rewards therefore makes it that much more attractive.…more
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- Annual Fee: $75 1st yr, $99 after
- Monthly Fee: None
- One-time Setup Fees: None
- Regular APR: 23.9% (V)
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