Can You Get a Credit Card With Bad Credit?
Looking to rebuild your credit? Learn how to apply for a credit card with bad credit, what approval requirements look like, and which U.S. credit card issuers offer the best options.
Yes, it’s possible to apply for a credit card even with bad credit (typically a credit score below 580). These cards are designed to help you rebuild your credit history, establish better financial habits, and regain access to mainstream financial products over time.
There are two primary types of credit cards for bad credit:
Secured credit cards (require a refundable deposit)
Unsecured credit cards (do not require a deposit but may have higher fees)
What to Look for in a Credit Card for BadCredit
When applying, prioritize cards with:
Low or no annual fees
Credit reporting to all three bureaus (Equifax, Experian, TransUnion)
Clear upgrade paths (to unsecured cards with better terms)
Reasonable interest rates
No hidden fees or predatory lending practices
Steps to Apply for a Credit Card With Bad Credit
Check your credit score through free tools or your bank
Prequalify online without affecting your credit
Choose a card based on:
Deposit amount (for secured cards)
Annual fees or interest rates
Reputation and reviews
Apply online and submit proof of income and identity
Use the card responsibly by paying on time and keeping your balance low
Benefits of Using a Credit Card Responsibly
Build a positive payment history
Improve your credit utilization ratio
Boost your credit score within 6–12 months
Qualify for better credit products in the future (loans, mortgages, etc.)