Best Credit Cards for Bad Credit- 

A comprehensive comparison of best credit cards for bad credit

It's the time of year when you wonder how you managed to rack up all those credit card bills and dread opening the mail.

But if you have bad credit your interest rates are going to be higher and payments larger than if you have a good credit score. Bad credit scores can come about for different reasons and severely damage your credit or restrict your access to credit cards:

  • You miss credit card or other payments (auto loan, business loan, school loan) payments and your account goes into collection
  • foreclosure
  • bancruptcy
  • no credit history

A credit score below 600 falls into the “bad credit” category. More information on credit scores  

Responsible credit card use is one of the best ways to boost your score.

make all your payments on time

list of the best credit cards for bad credit.

Secured  credit card: for credit scores under 600
requires you to make a refundable deposit into a special account with a credit limit. Work like traditional credit cards. 

The benefit 
offer easy approval, even for those who have credit problems or no credit. Allows cardholders to build a positive credit history and improve their credit score with on-time payments.

prepaid or debit cards: Do not affect your score

Bad credit credit cards to consider if your credit score is under 600

Capital One Secured MasterCard 

  • Purchase APR: 22.9% (variable)
  • Annual Fee: $29 
  • Credit Line: $200 – $3,000

USAA Secured Credit Card 

  • Purchase APR: 9.9% (variable)
  • Annual Fee: $35
  • Credit Line: $250 – $5,000
  • You must be an active-duty or retired member of the U.S. military, or related to someone who is.

The Secured Visa from Merrick Bank 

  • Purchase APR: 17.45% (variable)
  • Annual Fee: $36 
  • Credit Line: $200 – $3,000. In addition to linking to your own bank account, your deposit can be sent via MoneyGram, Western Union, and USPS

First Progress Platinum Elite MasterCard® Secured Credit Card 

  • Purchase APR: 19.99% (variable)
  • Annual Fee: $29 
  • Credit Line: $300 – $2,000.  The average approved score (559) makes this card accessible to many with bad credit.

U.S. Bank Secured Visa 

  • Purchase APR: 20.99% (variable)
  • Annual Fee: $35 
  • Credit Line: $300-$5,000. This card does not charge additional fees above and beyond the reasonable $35 annual fee. You can get car rental discounts from companies such as Avis, Alamo, and Hertz when you use the card, and it also offers consumer fraud protection. Your security deposit is held in an interest-bearing account.

BankAmericard Secured Credit Card

  • Purchase APR: 20.24% (variable)
  • Annual Fee: $39
  • Credit Line: $300-$4,900

Barclaycard Rewards Mastercard

  • Purchase APR: 0% intro APR for 6 months; 24.99% (variable) after intro period
  • Annual Fee: NoneCredit Line: Varies

Capital One Cash Rewards Credit Card

  • Purchase APR: 0% intro APR for 12 months; 12.9% – 20.9% (variable) after intro period
  • Annual Fee: None
  • Credit Line: Varies

Capital One Classic Platinum Credit Card

  • Purchase APR: 0% intro APR for 9 months; 19.8% (variable) after intro period
  • Annual Fee: $39
  • Credit Line: Varies

VISA® Platinum from Credit One Bank®

  • Purchase APR: 17.90%-23.90% Variable
  • Annual Fee: $35-$75
  • Credit Line: Starting at $300

.Discover it®

  • Purchase APR: 0% intro APR for 14 months; 10.99 – 20.99% (variable) after intro period
  • Annual Fee: None
  • Credit Line: Varies

Capital One Venture Rewards Card

  • Purchase APR: 13.9% – 20.9% (variable)
  • Annual Fee: $59; waived for the first year
  • Credit Line: Varies. This card requires a slightly higher score to qualify, but if you qualify, it’s worth it. You’ll earn a one-time bonus of 10,000 miles when you spend $1,000 in the first 3 months. Miles don’t expire and can be redeemed on any travel expense with any company.

Citi Simplicity Card

  • Purchase APR: 0% intro APR for 18 months; 12.99% – 21.99% (variable) after intro period
  • Annual Fee: None
  • Credit Line: Varies

Capital One Platinum Prestige

  • Purchase APR: 0% intro APR for 3 months; 10.9% – 18.9% (variable)
  • Annual Fee: None
  • Credit Line: Varies

Choosing one of the above credit cards, paying your credit card bills on time will raise your credit score and giving you access to better credit card interest rates. It will make it easier to secure auto loans, mortgage and business loans.