Having bad credit can make it challenging to qualify for traditional credit cards, but there are options designed specifically to help rebuild your credit score. Whether you’re looking for a secured card, a low-fee option, or a card that offers rewards, here are some of the best credit cards for bad credit in 2025.
1. Discover it® Secured Credit Card
Why it’s great: This secured credit card offers cash-back rewards and a path to upgrade to an unsecured card.
- Key Features:
- 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter)
- 1% unlimited cash back on all other purchases
- No annual fee
- Automatic account review after seven months for potential upgrade to an unsecured card
2. Capital One Platinum Secured Credit Card
Why it’s great: This card offers flexible security deposit options and a chance to increase your credit line with responsible use.
- Key Features:
- Security deposit as low as $49, $99, or $200 for a $200 credit limit
- No annual fee
- Potential for credit line increase with responsible payments
3. OpenSky® Secured Visa® Credit Card
Why it’s great: No credit check is required, making it accessible to those with very poor credit.
- Key Features:
- No credit check during application
- Low $35 annual fee
- Reports to all three major credit bureaus
4. Credit One Bank® Platinum Visa® for Rebuilding Credit
Why it’s great: Offers cash-back rewards and free credit score monitoring.
- Key Features:
- 1% cash back on eligible purchases
- Free online credit score access
- Annual fee varies based on creditworthiness ($0–$99)
5. Chime Credit Builder Visa® Card
Why it’s great: No security deposit is required, and it helps build credit with everyday purchases.
- Key Features:
- No annual fees or interest charges
- No credit check required
- Automatically reports positive payments to major credit bureaus
6. Indigo® Mastercard® for Less than Perfect Credit
Why it’s great: Available to those with past bankruptcies.
- Key Features:
- Pre-qualification with no impact on credit score
- Annual fee ranges from $0–$99
- Reports to all major credit bureaus
Final Thoughts
Choosing the right credit card for bad credit depends on your financial goals. If you want rewards and a chance to upgrade, the Discover it® Secured Credit Card is a great choice. If you have difficulty qualifying due to a poor credit history, the OpenSky® Secured Visa® may be your best option. Responsible use of these cards, including making on-time payments and keeping balances low, will help rebuild your credit over time.
By selecting the right card and using it wisely, you can take control of your financial future and work towards a better credit score.