If you have bad credit, getting approved for a credit card can be challenging. However, many credit card issuers offer options designed to help you rebuild your credit. Here are the best credit cards for bad credit in 2025.
1. Discover it® Secured Credit Card
- No annual fee
- 2% cash back on gas and dining
- Matches all cash back earned in the first year
2. Capital One Platinum Secured Credit Card
- Low security deposit required
- No annual fee
- Credit limit increases with responsible use
3. OpenSky® Secured Visa® Credit Card
- No credit check required
- Low deposit requirement
- Reports to all three major credit bureaus
4. Credit One Bank® Platinum Visa® for Rebuilding Credit
- 1% cash back rewards
- Monthly credit score tracking
- Reports to major credit bureaus
5. Self Credit Builder Card
- Helps build credit through a credit-builder loan
- No hard credit check
- Reports payments to major credit bureaus
How to Choose the Best Card
- Look for low fees and interest rates.
- Pick a card that reports to all three credit bureaus.
- Consider cash-back rewards and perks if available.
Final Thoughts
Having bad credit doesn’t mean you can’t get a credit card. The right card can help you rebuild your credit and qualify for better financial products in the future