Best Credit Cards for Bad Credit
These credit cards are designed for people with poor or limited credit history. We've selected cards that offer reasonable fees, opportunities to build credit, and manageable credit lines. Our recommendations focus on accessibility and helping you improve your credit score over time. These cards can be a stepping stone to better financial products.
Our Picks
Last updated July 29, 2025
Discover it® Secured Credit Card
Discover
| Annual Fee | $0 |
| Rewards Rate | 1%-2% Cash Back |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
USAA Secured American Express® Credit Card
USAA
| Annual Fee | $0 |
| Rewards Rate | No rewards rate |
| Sign Up Bonus | No signup bonus |
| Network | American Express |
Bank of America® Unlimited Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5%-2% Cash Back |
| Sign Up Bonus | No signup bonus |
BankAmericard® Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | No rewards program |
| Sign Up Bonus | No signup bonus offered |
Citi® Secured Mastercard®
Citi
| Annual Fee | $0 |
| Rewards Rate | Not earning rewards |
| Sign Up Bonus | No signup bonus |
| Network | Mastercard |
Milestone Mastercard
Concora Credit
| Annual Fee | $175 |
| Rewards Rate | Not applicable |
| Sign Up Bonus | Not applicable |
| Network | Mastercard |
Destiny Mastercard
Concora Credit
| Annual Fee | $175 |
| Rewards Rate | No rewards |
| Sign Up Bonus | No signup bonus |
| Network | Mastercard |
at Concora Credit's secure site
at Concora Credit's secure site