Best Credit Cards for Bad Credit in the USA (2025 Guide)
Best Credit Cards for Bad Credit in the USA (2025 Guide)
If you have bad credit, getting approved for a credit card in the United States may seem impossible. Many banks automatically reject applications from people with low credit scores. However, there are several credit cards designed specifically for people with poor or limited credit.
These cards help you rebuild your credit, qualify for better loans, and improve your financial future.
What Is Considered Bad Credit in the USA?
In the United States, credit scores range from 300 to 850. Most lenders use the FICO scoring system.
Here is how credit scores are classified:
720 and above – Excellent
660 to 719 – Good
580 to 659 – Fair
Below 580 – Bad credit
If your score is below 580, you will usually need a special credit card designed for credit rebuilding.
Can You Get a Credit Card with Bad Credit?
Yes. Many American banks and financial companies offer cards specifically for people with low credit scores. These cards focus more on your income and payment behavior than your past mistakes.
The most common options are:
These cards report your activity to major credit bureaus such as Experian, Equifax, and TransUnion.
Best Credit Cards for Bad Credit in 2025
Here are some of the best options available to Americans:
1. Discover It Secured
This card requires a security deposit, but it offers cash back and reports to all three credit bureaus.
2. Capital One Secured Mastercard
A popular option that helps you build credit with responsible use.
3. OpenSky Secured Visa
No credit check required, making it ideal for people with very low scores.
4. Petal 2 Visa
Designed for people with limited or bad credit and no annual fee.
How to Use These Cards to Build Credit
To improve your credit score, follow these rules:
Pay your balance on time every month
Keep your balance below 30 percent of your credit limit
Do not apply for too many cards at once
Keep your account active with small purchases
Within a few months, you should start to see your credit score rise.
How Fast Can You Improve Your Credit?
Most people see noticeable improvement within three to six months of responsible credit card use. After one year, many borrowers qualify for better cards and lower interest rates.
Are these cards safe?
Yes, as long as you choose cards from well-known American banks. Avoid companies that charge high upfront fees or make unrealistic promises.
Final Thoughts
Having bad credit does not mean you are stuck. With the right credit card and smart financial habits, you can rebuild your credit and gain access to better financial opportunities in the United States.
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