Credit cards for bad credit in the US may have some of the worst terms for cardholders. Many card issuers don’t offer ‘normal’ credit cards to people with bad credit, and if they do, those cards will come with very high interest rates, penalties and fees which could crush you if you already face financial difficulties. It’s almost impossible to do without a credit card in this day and age. But fret not, because we are here to help you! If you have a bad credit score (below about 640-660), read on to find out which is our best rated credit card for bad credit you can consider getting if you want a card to help improve your credit score and to make life easier for you.
Below, we’ve included our best rated credit cards for bad credit or no credit:
Credit Card for Bad Credit and Prepaid Card Tips
If you would like to build your credit history from scratch or raise your credit score, then we recommend that you apply for Capital One® Secured MasterCard® as it reports monthly to the 3 major credit bureaus in the US. If you pay your bills on time with all your creditors and maintain your account balances below the credit limits, your credit score would improve over time.
Many of these cards also let you check your balance on your phone, as well as receive alerts before your payment is due each month. If you are under 21, you won’t be accepted for a credit card unless you show proof of income that you are capable of repaying any debt you may incur, or if you have a co-signer who agrees to be liable for any debt you may incur.
updated Mar 16, 2016
Ivan Daniel is a writer at GET.com a lifestyle and personal finance website. Email: firstname.lastname@example.org.
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At GET.com we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.
Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.