Credit Cards

Best credit cards for bad credit: top 10 options

A credit-building card is a great option to improve your bad credit score and get a better financial life. So, read our list of the best credit cards for bad credit!

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by Sabrina Paes

Published on 11/01/2022

Start rebuilding your credit score today with a card for bad credit

credit score
See the best card options for bad credit! Source: Adobe Stock

Bad and low scores can make your financial life difficult. After all, interest rates for loans and financing can be higher. However, you can use the best credit cards for bad credit for peace of mind.

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Credit cards for those with bad scores are great for starting over financially. For you to have access to the most advantageous choices for your financial well-being. See what your top choices are below!

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Get back on track with a credit card for bad credit: 10 best options

credit card
Find out which are the best card options for bad credit! ource: Adobe Stock

Credit cards for those with a bad score are great for rebuilding history. Generally speaking, they provide monthly reports to major credit bureaus. That way, your score gradually increases.

However, before choosing a credit card to build your score, it is important to analyze a few things. So, check out the ten best credit cards for bad credit that we have separated to help you.

1) Revvi Card

If you have a low credit score and are looking for an easy credit card, the Revvi card is perfect! It comes with a 1% cash-back program and reports all payments to help you increase your ratings.

  • Credit Score: At least 300;
  • Annual Fee: $75 for the first year, then $48 annually;
  • Regular APR: 34.99% variable;
  • Welcome bonus: N/A;
  • Rewards: 1% cash back in payments after 6 months.
  • Terms apply.

If this is the card you were looking for, read our post below to learn how to apply for it!

Revvi card

How to apply for the Revvi Card

Looking for an unsecured credit card with cash back bonuses? The Revvi card might suit your needs! See how to apply!

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2) Total Visa® Card

The Total Visa® Card is a versatile and useful option for rebuilding your credit score. In this sense, it is not necessary to have a good credit score to apply!

  • Credit Score: Bad/Fair;
  • Annual Fee: $75 for the first year, then $48 annually;
  • Regular APR: 34.99% variable;
  • Welcome bonus: N/A;
  • Rewards: This card does not offer a rewards program.

Check out our post below to learn all about the application process!

Total Visa® Card

How to apply for the Total Visa® Card

Is rebuilding credit a problem for you? See how to apply for the Total Visa® Card and recover your credit score.

3) Indigo® Mastercard® Credit Card

Indigo® Mastercard® Credit Card
Find out more about the Indigo Mastercard! Source: Indigo Card

The Indigo® Mastercard® Credit Card is a great option for those who need a card but don’t have enough score.

It allows you to pay bills while helping to rebuild credit. Plus, you can pre-qualify with no credit score impact!

  • Credit Score: Bad;
  • Annual Fee: Up to $99;
  • Regular APR: 29.90 variable;
  • Welcome bonus: N/A;
  • Rewards: N/A.
  • Terms apply.

If you’re looking for a card with these features, read our post below to learn how to apply!

Indigo® Mastercard® Credit Card

How to apply for the Indigo® Mastercard®

The Indigo® Mastercard® Credit Card is perfect for helping you rebuild credit. See what are the steps to make the application!

4) Discover it® Secured Credit Card

The Discover it® Secured Credit Card is an excellent choice for anyone looking for rewards at restaurants and gas stations. It offers a relatively high APR rate but with a nice intro benefit.

  • Credit Score: Bad or no credit history;
  • Annual Fee: $0;
  • Regular APR: 25.99% variable APR for purchases and intro balance transfer APR for 6 months of 10.99%. Then, 25.99% variable;
  • Welcome bonus: Personalized rewards during the first use of the card through Cashback Match;
  • Rewards: 2% cash back at gas stations and restaurants, capped up to $1,000 per quarter, 1% unlimited cash back on all other purchases.
  • Terms apply.

5) FIT Mastercard®

You always rebuild your economic life with good information and discipline. The Fit Mastercard can help you by providing a credit card for you.

  • Credit Score: Bad/Fair;
  • Annual Fee: N/A;
  • Regular APR: 29.99%;
  • Welcome bonus: None;
  • Rewards: N/A.

Learn about the application process for this credit-building card in our post below!

How to apply for the FIT Mastercard®

Facing financial trouble can happen to everybody. The Fit Mastercard can help you by providing a credit card for you. This content will show you how to get yours.

6) Destiny Mastercard®

The Destiny card could be perfect if you’re looking for a credit card to help you achieve your goals. This card comes with a fixed APR and a fair annual fee, making it an excellent choice for anyone.

  • Credit Score: Bad;
  • Annual Fee: Up to $99;
  • Regular APR: 24.90% variable;
  • Welcome bonus: N/A;
  • Rewards: N/A.

This card can be your way to build credit! So, read our post below to learn how the application process works!

Destiny card

How to apply for the Destiny Mastercard®

The Destiny credit card can be a powerful tool in the process of getting your finances in order. If you want to take the first step, read on and learn how to apply.

7) Milestone® Mastercard® – Less Than Perfect Credit Considered

The Milestone® Mastercard® – Less Than Perfect Credit Considered is great for rebuilding credit. You can report to the main credit bureaus in the country. In this way, you will be able to recover the credit lost.

  • Credit Score: Bad;
  • Annual Fee: Up to $99;
  • Regular APR: 24.9% variable;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Read our post below to learn how to apply for this credit-building card!

Milestone® Mastercard® - Less Than Perfect Credit Considered

How to apply for the Milestone® Mastercard®

The challenge of rebuilding credit is common to many people. Milestone® Mastercard® – Less Than Perfect Credit Considered is an option that can help. See how to apply!

8) PREMIER Bankcard® Mastercard® Credit Card

The PREMIER Bankcard® Mastercard® Card is the option that can save you if you need to build credit!

  • Credit Score: Bad (at least 500);
  • Annual Fee: $50 to $125 based on creditworthiness;
  • Regular APR: 36% variable APR;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Find out how to apply for this card in our post below!

Premier bankcard card

How to apply for the PREMIER Bankcard® Mastercard®

Not everyone has a good credit history. But, a lot of people need a credit card. See how the PREMIER Bankcard® Mastercard® Card can help!

9) Net First Platinum

If you love shopping at the Horizon Outlet, this card can help you make purchases with no APRs! Even though it doesn’t report to any credit bureau, you can use it to make purchases with no interest!

  • Credit Score: Bad;
  • Annual Fee: $177.24;
  • Regular APR: 0%;
  • Welcome bonus: None;
  • Rewards: Roadside assistance, legal assistance, prescription benefit, privacy protection plan.

Is this card what you need? If so, read our post below to learn how to apply for it!

net first platinum

How to apply for the Net First Platinum card

Get your card and start shopping at the Horizon Outlet website today! Here’s a step-by-step guide on how to apply for a Net First Platinum card.

10) Petal® 1 “No Annual Fee” Visa® Credit Card

The Petal 1 Visa credit card has different ways of determining people’s creditworthiness. So, your credit score will not be the only thing they’ll consider during the application process!

Plus, there are no security deposits required.

  • Credit Score: Bad;
  • Annual Fee: $0;
  • Regular APR: 22.99% – 32.49% variable APR;
  • Welcome bonus: N/A;
  • Rewards: Up to 10% cash back on select merchants.

If you want to build credit and earn cash back with this card, read our post below to learn how you can apply!

Petal 1 Visa credit card

Applying for the Petal 1 Visa card: learn how!

Ready to get a credit card fast and easy? Here is what you can expect when you apply for the Petal 1 Visa card.

Find other options: best credit cards for limited credit

A bad score can harm your financial negotiations. So these 10 best credit cards for bad credit can help you regain financial health.

However, you can think about other options if you have limited credit. Check out what are the credit card options for the limited scores in the post below!

credit card

10 best credit cards for limited credit

Having limited credit is bad for future financing and interest rates. See how you can improve your limit with our list of the best credit cards for limited credit!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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