Best credit cards for bad credit 2019

By: Heather Hanks May. 07, 2019

Do you need special credit cards for really bad credit? You sure do! If you have bad credit, then you need a card that is designed especially for you. This is because using the right credit card is the first step toward changing your bad credit into good credit. Although you can get a credit card with bad credit or no credit at all, it won’t have many perks or rewards. It will be a fairly basic card with no bells and whistles. Keep in mind that this is OK for the time being. You’re not going to have it forever! The idea is to use a basic card to rebuild your credit and then move on to a better credit card once you have your credit where you want it. We’ve broken down a list of the best credit cards for people with bad credit to help you rebuild and get back on track.

Using the right credit card the right way - is first step in transforming a bad credit score into a good one.

You can get a credit card with bad credit or even with no credit, but it won't be one of those cards you see advertised with rich rewards or exclusive perks. Instead, it will be a fairly basic card. That’s OK. You’re not going to keep this card forever. The idea is to use it to build or rebuild your credit, then move on to a better product.

We narrowed down the best credit cards for bad credit into three categories.

- Our pick for -

Low deposit credit cards

Our pick for the best low deposit credit card features the Capital One Secured Mastercard credit card. This card is designed to help you take control of your credit and build like a responsible user. We like it because it’s a great card to help you rebuild your credit. It has a $0 annual fee and a regular APR of 26.99%. This is an ideal card for people who have a credit score of 629 and below.

Capital One® Secured Mastercard® credit card

Take control and build your credit with responsible use. Awesome card for Rebuilding your credit score.

ANNUAL FEE

$0

REGULAR APR

26.99% Variable APR

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

350 - 629

- Our pick for -

No credit check credit cards

Our pick for the best no credit check credit card is the OpenSky Secured Visa Credit Card. We like it because you do not need to have a credit score for approval. For this reason, we think it’s one of the best credit cards for bad credit. It features a $35 annual fee and a regular APR of 19.93%. You can also take out this credit card no matter what your credit score is. Keep in mind you won’t receive any rewards or bonuses with this card. If you have good credit, go with another card.

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® card is notable, because no credit check is required for approval. That means you can begin rebuilding your credit right away, no matter how damaged it may be

ANNUAL FEE

$35

REGULAR APR

19.39% Variable APR

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

350 - 690

- Our pick for -

Rewards and upgrading credit cards

Our pick for the best secured credit cards for bad credit is the Discover It Secured Credit Card. It allows you to build your credit by reporting to the three major credit bureaus. Most of the time, debit cards and prepaid cards do not do that. You’ll get rewards on up to $1,000 in combined purchases each quarter at gas stations and restaurants. Plus, you’ll get an unlimited 1% cash back on all other purchases you make automatically. The annual fee is $0 and the regular APR is 24.99%. The recommended credit score for this card is between 350 and 630. As you can see, this is one of the best cards for bad credit based on its rewards alone.

Discover it® Secured credit card

You can build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that. 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.

ANNUAL FEE

$0

REGULAR APR

24.99% Variable APR

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

350 - 630

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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