Credit Cards For Bad Credit

What are the best credit cards for bad credit? Their is plenty, but it’s all up to your choosing! Lot’s of these cards have awesome tools and features to help you also build up your credit to move onto bigger and better!

(These cards are not listed in order!)

1. Capital One Platinum Secured

Apply Here! On Capital One’s secure website!

This is the Platinum Secured Credit Card by Capital One! This card is meant for students which means that the credit score needed to obtain such card is super low which means students can start their credit journey!

Some Perks:

  • Considered higher credit line in as little as 6 months!
  • If card is stolen any unauthorized charges will not be held against you!

Key details:

  • 26.99% relative APR, make sure to pay those credit card bills in full every month to make sure you do not need to use this! (Explained on next card)
  • Security deposit which is refundable!

This card offers some great security and opportunity to increase your credit line fast, so be responsible and do not over spend!

2. Capital One Quick Silver Secured Credit Card w/ Cash Back

Apply Here! On Capital One’s secure website!

This Card is for those with poor credit yet want to get the full effect of a high credit yielding card! This card has so many features and here they are:

  • Unlimited 1.5% cashback on all purchases!
  • An increase in credit score in as little as 6 months!
  • $0 annual fee!
  • You will not be responsible for unauthorized charges!

Things to take note of:

  • 26.99% APR
  • Refundable Security Deposit

Now, what do these mean? An APR is how much you will be charged each month you do not pay your card off (based off how much you owe them (how much you spend and do not pay back)). THIS IS ON MOSTLY ALL CREDIT CARDS! This process can also lower your credit score drastically. The best way to go around a credit card is to spend what you know you can pay off in full each month and pay it off in full each month! This practice can lead to an increase of credit score and a good feeling when you do not see those nasty charges!

*Security deposit is a $200 dollars which is then refunded*

But overall this card has awesome features with security and rewards overall a great card for those with low credit!

3. DISCOVER IT® SECURED CREDIT CARD

Apply Here! On Discover’s secure website!

What is a Discover It card and why would I want one? This Discover it card offers amazing features that big credit cards but Discover said you don’t need any high credit.

Here are some of those features:

  • A real credit card! (Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.)
  • Earn 2% Cash Back! (At gas stations and restaurants on up to $1,000 in combined purchases each quarter.†† Plus, earn unlimited 1% cash back on all other purchases – automatically.)
  • Unlimited Cashback Match! (Only from Discover. We’ll automatically match all the cash back you’ve earned at the end of your first year.2 There is no limit to how much we’ll match.)
  • Free Credit Scores! (Easily view your FICO® Credit Score on monthly statements, mobile and online for free.5)
  • Refundable Security Deposit! (our secured credit card requires a refundable security deposit.8 You choose the deposit amount up to the credit line approved.)

Overall again this card is amazing! You get a credit cared that earned 2% cashback, unlimited match on your first year, that’s literally double the money, and overall you get a great card with awesome features to make sure you are learning and growing that credit score!

4. Chime Visa Card

Apply Here! On Chime’s secure website!

This may be the best card for you. why? This card has awesome tools and features all based on you building your credit!

Features:

  • There is no Interest on late payments! (Try your best to not use this feature since so many other cards do not offer this and it can create bad habits!)
  • No credit check to apply!
  • No minimum security deposit!
  • They display your on time payments to three big credit card companies, so they know you are a responsible person!

That is incredible. They offer so many features and tools so you can build up that credit and move onto a bigger and better card!

4. Petal® 1 “No Annual Fee” Visa® Credit Card

Apply Here! On Petal’s secure website!

(Designed for people with poor credit to build up their credit score!)

Pros:

  • 2% – 10% cash back on select merchants!
  • $300 – $5000 credit limits!
  • Aprs from 19.99% to 29..49%
  • No annual fee

This card is great for new credit users! You get great perks, good credit limits, and no annual fee! Make sure to pay your credit line in full every month, it improves your credit score and you don’t pay those Aprs!

These are 5 of the best cards you can choose from if your credit is low to poor!

All of these are great choices, just make sure to always use responsibility, I said this a lot here but only because it’s important, pay your card in full each month, which means do not spend more than your budget, this way you save money and increase your credit score!

Thank you so much for coming by and have a blessed day, God bless!

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