Do you have bad credit? It can be hard to get a credit card when you have bad credit or no credit at all. Here are some of the best options for people with bad credit. All these options have very simple requirements, so most people can obtain a credit card with the options provided. Simple habits such as paying your credit card bill on time will help you improve your credit score. Also, by doing this, you might even become eligible for a credit card with better rates, a higher credit limit and better bonuses.
Discover it Secured Credit Card
| Annual fee | N/A |
| Security Deposit | Starts at $200 |
| Regular APR | 22.99% variable |
| Credit Score | Not required |
| Rewards | 2% cashback at gas stations and restaurants1% cashback on every other purchase |
| Intro Bonus | Unlimited Cashback Match for the first year |
This credit card does not have an annual fee. The secured deposit starts at $200. After the first seven months, you will have automatic reviews to see if you are eligible for a better product. The regular variable APR is set at 22.99%. Also, this credit card reports to the three major credit bureaus, so you will be building credit as you use this credit card. No credit history is required to apply for this card. You will get 2% cashback in gas stations and restaurants and 1% for every other purchase, and you will get an intro bonus of Unlimited Cashback Match, where you will get a dollar-for-dollar match from Discover with no minimum or maximum spending required.
Capital One Platinum Secured Credit Card
| Annual fee | N/A |
| Security Deposit | Starts at $49 |
| Regular APR | 26.99% variable |
| Credit Score | Not required |
| Rewards | N/A |
| Intro Bonus | N/A |
This secured credit card does not have an annual fee. You do not need any credit history to apply for this credit card, and you can see if you are approved within seconds. The initial deposit starts at $49, and you can get an initial $200 credit line with a regular 26.99% variable APR. This credit card does not have any other bonuses, but it’s a great option if you are focusing on building credit because you are going to be automatically considered for a higher credit line after the first 6 months of having the card.
Petal 1 “No Annual Fee” Visa Credit Card
| Annual fee | N/A |
| Security Deposit | N/A |
| Regular APR | 19.99% – 29.49% variable |
| Credit Score | Not required |
| Rewards | 2% – 10% on purchases at select merchants |
| Intro Bonus | N/A |
If you are looking for an unsecured card, this credit card is a great option to start. It has no annual fee and does not require any credit history to apply. Credit limits with this card ranges from $300-$5,000 with a regular 19.99%-29.49% variable APR. You can also see if you are pre-approved in minutes without hurting your credit score.
