Credit Cards for Bad Credit: Complete Guide to Rebuilding Your Credit Score
Having a low credit score can make getting approved for a credit card challenging — but not impossible.
Today, there are credit cards for bad credit designed specifically to help people rebuild their financial profile. Whether you’re searching for the best credit cards for bad credit, wondering how to get a credit card with bad credit, or exploring unsecured credit cards for bad credit, this guide will cover every option you should know.
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Quick Comparison Table of Credit Card Types
| Card Type | Deposit Needed? | Annual Fee | Approval Time |
|---|---|---|---|
| Secured Credit Card | Yes (Refundable) | $0 – $49 | Instant – 7 Days |
| Unsecured Credit Card | No | $35 – $99 | Instant – 14 Days |
| Second Chance Credit Card | Sometimes | $0 – $75 | 7 – 14 Days |
1. What Are Credit Cards for Bad Credit?
Credit cards for bad credit are designed for people with poor or limited credit history.
They are often easier to qualify for and can help you improve your score over time.
Popular types include:
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Secured credit cards – Require a refundable deposit.
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Unsecured credit cards for bad credit – No deposit required.
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Second chance credit cards – For those who were denied in the past.
2. Where to Get a Credit Card With Bad Credit
If you’re wondering where to get a credit card when your score is low, consider:
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Banks that offer second chance credit cards
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Online lenders specializing in credit cards for poor credit
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Credit unions offering beginner credit cards or secured options
Learn more about improving your score in our How to Improve Your Credit Score Quickly guide.
3. How to Build Credit With Bad Credit
Even the best credit card to rebuild credit won’t help unless you use it properly. Here’s how to build credit with bad credit:
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Pay your bill on time every month.
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Keep your utilization low.
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Avoid applying for too many cards at once.
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Review your credit report for mistakes.
For more tips, check out our Beginner’s Guide to Credit Utilization.
4. Which Credit Card to Open to Rebuild Credit
If you’re asking which credit card to open to rebuild credit, here are some choices:
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Beginner credit cards for first-time borrowers.
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Best unsecured credit cards for bad credit if you prefer no deposit.
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Secured cards with refundable deposits to start small.
5. What Is the Easiest Visa Credit Card to Get With Bad Credit?
The easiest Visa credit card to get is usually a secured card from a major bank. Some issuers also offer credit cards with no deposit for those with fair credit, but requirements vary.
Learn about the pros and cons in our Secured vs. Unsecured Credit Cards – Which is Better? article.
6. Best Credit Cards to Build Credit
If your goal is to start fresh, here are top categories:
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Best credit cards to build credit – For consistent credit reporting.
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Best unsecured credit cards for bad credit – Skip the deposit.
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Credit cards for no credit – For people just starting out.
7. Apply for Credit Card With Bad Credit
When you apply for credit card with bad credit, focus on cards that:
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Report to all three major credit bureaus
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Have reasonable annual fees
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Offer credit limit increases over time
8. Second Chance and No Deposit Options
Some lenders provide second chance credit cards and credit cards for no credit no deposit programs. If you qualify, these are excellent ways to re-enter the credit system without tying up money in a deposit.
9. Good Credit Cards for Bad Credit
“Good” doesn’t always mean premium rewards. Good credit cards for bad credit are those that help you rebuild, keep fees low, and report your activity to credit bureaus consistently.
FAQs
Q: Can I get a credit card with bad credit?
Yes — many banks and online issuers offer credit cards for bad credit or credit cards for poor credit.
Q: Will I get a credit card with bad credit?
Approval depends on the card type, your income, and application history, but options like second chance credit cardsmake it possible.
Q: Are there credit cards with no deposit for bad credit?
Yes — these are called unsecured credit cards for bad credit.
Conclusion
Rebuilding credit takes time, but the right card can make the process faster. Whether you choose beginner credit cards, credit cards for no credit, or best unsecured credit cards for bad credit, the key is using them wisely.
Pay on time, keep balances low, and watch your score rise — that’s how you turn bad credit into a fresh start.
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