Best credit cards for bad credit of 2024
When you have bad credit, getting approved for a credit card can be hard. Get matched to credit cards from our partners based on your unique credit profile.⍉
Improve your credit
Get back on the right track to improving your financial health.
Get better chances for approval
Our recommendations are for people like you who are looking to rebuild their credit.
Enjoy low fees
Most of these cards have low to no annual fees.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.
Browse categories
All credit card offers for bad credit
16 partner offers
Credit One Bank American Express® Card for Rebuilding Credit
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $75 First year. $99 thereafter, billed monthly at $8.25 |
Terms Apply
Rates and feesAvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $0* |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 2% (cash back) |
Ongoing APR: | 29.74%* Variable |
Annual Fee: | $0* |
Reflex® Platinum Mastercard®
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $75 - $125 |
FIT™ Platinum Mastercard® - $400 Credit Limit
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $99 first year; $125 thereafter |
Surge® Platinum Mastercard®
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $75 - $125 |
Platinum Prestige Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 14.74% Variable |
Annual Fee: | $49 |
Platinum Select Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 18.74% Variable |
Annual Fee: | $39 |
First Latitude Assent Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 28.74% Variable |
Annual Fee: | $0 |
The OpenSky® Secured Visa® Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 25.14% Variable |
Annual Fee: | $35 |
Credit One Bank® Secured Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesCapital One Quicksilver Secured Cash Rewards Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1.5%-5% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $39* |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $75* |
Capital One Platinum Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $75 First year. $99 thereafter, billed monthly at $8.25 |
Terms Apply
Rates and feesAny opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
How to get a credit card when you have bad credit
1
Know your FICO® ScoreΘ
Understand where you credit stands by creating a free Experian membership and getting your FICO® Score.
2
Narrow down your options
Look at credit cards that fall within your recommended credit range.
3
Apply with confidence
You can start the application process once you find the right card for you.
4
Have money for your security deposit
You’re most likely to apply for a secured credit card for rebuilding credit, which often requires a security deposit that’s put toward your credit limit.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for freeΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.