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Best Credit Cards of February 2024 for Poor Credit

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1. Compare our recommended credit card offers for bad credit from our partners
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3. Immediate and secure online application

Check if you’re Pre-Qualified without hurting your credit score

Surge® Platinum Mastercard®

On Continental Finance's secure site
No Security Deposit Required
A true credit card with no need to put down a security deposit
Improve Your Credit
Boost your credit score with responsible use
Mastercard Network
Use your card wherever Mastercard is accepted
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Check if you’re Pre-Qualified without hurting your credit score

Reflex® Platinum Mastercard®

On Continental Finance's secure site
Increased Credit Limit
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
Immediate Application
All credit types welcome to apply
Build Credit
Monthly reporting to the three major credit bureaus
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OpenSky® Secured Visa® Credit Card

On Capital Bank N.A.'s secure site
Build Credit
OpenSky reports to all 3 major credit bureaus monthly
Credit Line
$200-$3000 Credit Line*
Regular Purchase APR
25.64% (variable)
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Applied Bank® Unsecured Classic Visa® Card

On Applied Bank's secure site
Easy Pre-qualification
Pre-qualify in less than a minute without affecting your credit score
Build Credit
A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
Regular APR
29.99% Fixed
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Milestone® Mastercard®

On Bank of Missouri's secure site
Rewards Rate
Applying is quick and easy with our fast decision process
Fraud Protection
Fraud Protection* for stolen or lost cards
Build Credit
Build your access to credit - $700 credit limit
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What to Look for in a Credit Card for Bad Credit

Rebuilding your credit score is a top priority for many Americans with bad or poor credit. A higher credit score unlocks premium credit card offers with rich rewards, high credit limits, and low interest rates. The key to taking back control of your personal finances is about choosing the right credit card for good financial habits. Here are important factors to consider when apply for a credit card if you have bad credit:

1. No Security Deposit
2. Low Annual Fee
3. High Credit Limit

Applying for an unsecured credit card will help you avoid putting down a deposit to open your card and therefore keep more money in your pocket. By avoiding a down payment you can put that money towards paying off your credit card each month. Making timely payments will help you improve your credit score.

Similarly, avoiding paying higher annual fees for these cards if you can avoid it. Given these cards are willing to lend to you with poor credit history, it is customary to pay some sort of annual fee upfront to ensure the bank recovers part of it’s losses if you were to stop paying your balance. Accept that you will probably have to pay an annual fee initially to get these cards but understanding that if you use these cards responsibly you will be able to improve your credit score and then apply for a better credit card for fair credit.

One of the primary considerations for our picking these cards as best in their class is their larger unsecured credit limits. The best of these cards won’t require a deposit to open them and you could be approved for a higher credit limit than what is available on most cards for bad credit.

Important Benefits

In addition to access to credit, these cards provide numerous benefits to help you get back on track financially. The most important feature is free access to monitor your credit score. Once you are accepted for one of these cards, you should be able to log into your online portal to view account preferences. Usually in the profile section of the portal, you will be able to see your current credit score and can check back in each month to see changes.

To improve your score quickly, you should have a plan to pay off your credit card in full at the end of each month. If that’s not possible every month, at the least you should make the minimum payment on your card to avoid excessive interest charges. You don’t need to take any further steps to ensure your responsible payments will be recorded because these cards automatically report to credit bureaus.

Good Practices for Card Use

To practice good personal financial habits and ultimately improve your credit score, we highly recommend that you be the only person using your credit card. Credit cards often come with additional user authorization fees that you want to avoid. More importantly, it’s good practice to be the only person using your credit card so you can best control your spending.

Keeping your spending low even if you are approved for a higher credit limit is a great way to improve your credit score because it demonstrates responsible use. An important factor in your credit score is your credit utilization ratio, which is simply the amount of available credit you have used divided by the total credit available to you.

For example, if you’ve spent $350 this month on your card and have been approved for a $700 credit limit, you have a 50% credit utilization ratio. We strongly encourage you to keep a 30% to 35% credit utilization ratio to maximize positive increases to your credit score. Over time, you can apply for more credit cards to increase your total credit available to you. If you keep your spending level constant, you will effectively lower your credit utilization ratio, which should help improve your credit score even more.

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The card offers that appear on this site are from companies from which BestCreditCard receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCreditCard does not include all card companies or all card offers available in the marketplace.
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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.