Best Bad Credit Cards 2025
Rebuild your credit with cards designed for people with poor credit scores. Many options with guaranteed approval and no credit check required.
Capital One Platinum Secured
Best Overall for Bad Credit
Discover it Secured
Best Rewards for Bad Credit
OpenSky Secured Visa
No Credit Check Required
Bad Credit Card Guide
What Qualifies as Bad Credit?
- Credit score below 580 (FICO)
- Multiple late payments or defaults
- High credit utilization (above 30%)
- Bankruptcy or foreclosure history
How to Rebuild Your Credit
- Make all payments on time
- Keep credit utilization low
- Don't close old credit accounts
- Monitor your credit report regularly
Credit Repair Resources
CFPB Credit Card Tools
Official government resources for understanding credit cards and rebuilding credit after financial difficulties.
FTC Credit and Loans Guide
Federal Trade Commission guidance on credit repair, avoiding scams, and rebuilding your credit score.
Free Annual Credit Report
Get your free credit report from all three major credit bureaus to track your credit rebuilding progress.
Experian Credit Education
Learn about credit scores, credit repair strategies, and how to rebuild credit after financial setbacks.
Credit Karma Financial Advice
Free credit monitoring and educational resources specifically for people rebuilding their credit.
NerdWallet Credit Card Guide
Expert advice on choosing the right credit card for bad credit and rebuilding your financial future.