Best Credit Cards for Bad Credit Score in 2025

Best Credit Cards for Bad Credit Score in 2025

If you have a low credit score, getting approved for a credit card can be challenging. On the other hand, some credit cards are specifically designed for people with bad credit. These cards offer essential features and can help you improve your credit. We’ll discuss the best credit cards for bad credit in 2025, their features, and things to consider before applying in this article.

Types of Credit Cards for Bad Credit

For people with bad credit scores, there are two primary credit card options:

• Secured Credit Cards: Your credit limit on these cards is determined by a refundable security deposit. They’re perfect for credit restoration.
• Unsecured credit cards: Don’t require a deposit, but they often have higher fees and interest rates.

Best Credit Cards for Bad Credit Score in 2025

• 1. Discover it® Secured Credit Card

  • Why Choose It? Cash-back rewards on purchases.

  • Deposit Requirement: $200 minimum.

  • APR: Variable 27.99%.

  2. Capital One Platinum Secured Credit Card

  • Why Choose It? Low refundable deposit starting at $49.

  • Credit Limit Increase: Possible with responsible use.

  • APR: 30.74% variable.

  3. OpenSky® Secured Visa® Credit Card

  • Why Choose It? No credit check required.

  • Annual Fee: $35.

  • APR: 25.64% variable.

  4. Credit One Bank® Platinum Visa®

  • Why Choose It? No security deposit required.

  • Annual Fee: $75 for the first year, then $99 annually.

  • APR: 29.74% variable.

  5. Chime Credit Builder Visa®

  • Why Choose It? No interest and no annual fees.

  • Deposit Requirement: Linked to Chime account.

  • Credit Limit: Based on your balance.

How can these cards help you boost your credit score?

• Make your payments on time. The biggest factor that affects your score is your payment history.
• Try not to use more than 30% of your available credit to maintain a low credit utilisation rate.
• Check your credit report regularly to make sure there are no mistakes that could affect your score.
• Don’t apply for too many cards because each card used can lower your score a little.

Remarks

Over time, using the right credit card can help you rebuild your credit score. Use your card wisely, whether it’s secured or not. If you want to learn how to pick the best card for your needs, check out our detailed guide on How to Choose the Right Credit Card in 2025.

You can raise your credit score and be eligible for better financial opportunities in the future by choosing credit cards wisely and practicing good money management.