If you have bad credit, getting approved for a credit card can feel impossible. But the truth is, many US banks offer special credit cards for bad credit that help you rebuild your score fast.
In this guide, we will show you the best credit cards for bad credit in the USA that are easy to get and actually help improve your credit.
What Is a Bad Credit Score?
In the USA:
- 300 – 579 → Bad
- 580 – 669 → Fair
- 670+ → Good
If your score is under 580, you need a credit-building card.
Top Credit Cards for Bad Credit
| Card | Type | Approval | Annual Fee |
|---|---|---|---|
| Discover it Secured | Secured | Very High | $0 |
| Capital One Platinum | Unsecured | High | $0 |
| OpenSky Secured Visa | Secured | Guaranteed | $35 |
| Credit One Bank | Unsecured | Medium | $75 |
| Chime Credit Builder | Secured | Easy | $0 |
1. Discover it Secured Card
This is one of the best cards for rebuilding credit in the USA.
- Reports to all 3 credit bureaus
- No annual fee
- Cashback rewards
- Upgrade to unsecured card
2. Capital One Platinum
This is perfect if you don’t want to pay a deposit.
- No annual fee
- Automatic credit line reviews
- Builds your credit history
How These Cards Improve Your Credit
When you:
- Pay on time
- Use less than 30% of your limit
- Keep the account open
Your credit score goes up.
How to Apply
- Choose a card
- Apply online
- Get instant approval
- Card arrives in 7–10 days
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