The catch 22 of bad credit is that if your credit is less than perfect, you may have trouble qualifying for new credit, but it can be difficult to improve your credit history if you are not actively trying.
Credit cards for bad credit can help this problem by enabling you to rebuild your credit history and improve your credit score over time. The best credit cards for bad credit come in two different varieties: secured and unsecured. Secured cards require you to put down a cash deposit that you can borrow against, whereas unsecured cards do not. Both types of cards have certain limitations, but either can put you on the path toward an overall improvement in your credit score.
I highly recommend getting an unsecured card, like the Credit One® Unsecured Visa® Card. Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary. See if you’re Pre-Qualified in less than 60 seconds.
This is a fully functional, unsecured credit card – not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account. Pick your payment due date to fit your schedule. There are three main reasons why I recommend this card for people with subpar credit:
Since it isn’t a secured credit card, you won’t have to put down a deposit. You have the ability to earn rewards for gas purchases — many secured cards don’t offer any rewards at all. After making several payments on time, you may be able to secure a credit line increase.
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