Credit Cards For Bad Credit

Ask the expert

Add captcha
Enter the text shown above:
I have bad credit and I'm on unemployment benefits. I just need a low credit limit to help in emergency situations. I can pay small charges back right away. What do you recommend?

It sounds like you may already be in an emergency situation. Even if an additional credit line could help even out your cash flow woes, you may get better results by rebuilding your credit and shoring up your savings. Between economic pressures and tougher regulations, banks no longer have a lot of incentive to issue credit [...]

If I am in the Chex System, can I still apply for a secured credit card?

Landing in the ChexSystems database, whether it's your fault or not, can add a few hassles to your financial life. Many banks, even those that issue secured credit cards, require you to have an active checking account to facilitate your security deposit and your regular monthly payment. You've probably heard of the three major American credit [...]

I have a 590 credit score. Am I considered a bad score? What would be a good credit card to help me?

Yes, 590 is pretty bad. But I've seen worse. You're in a high risk category of borrower that most lenders won't want to touch. Understanding how you got to that score and what you're going to do next will determine the right credit card for your situation. And yes, there are legitimate credit cards for [...]

What's the best credit card for rebuilding credit?

Question: What is the best card for rebuilding credit? Answer: There's no one single card that's right for everyone. The best card you can get depends on how bad your credit actually is. If you can not qualify for an unsecured credit card here are some options: Secured credit card If your credit score is too low to qualify [...]

How can I increase my credit score by 50 points in six months?

Question: How can I increase my credit score from 650 to 700 in six months? Answer: Let's go right to the source of that credit score, which would be one of the three major credit reporting agencies - TransUnion, Experian and Equifax. Heather Battison, education director for TransUnion's consumer products, told me, "It's impossible to know if [...]

I have a bad credit score and have racked up a lot of debt. Is there an unsecured credit card with reasonable rates that you can recommend?

Question: I need a credit card that doesn't require a deposit. I have a bad credit score and have racked up a lot of debt. Is there a credit card with reasonable rates that you can recommend? Answer: If you have bad credit, then I'm afraid your credit card options are limited. You say you don't [...]

I am newly single with poor credit and on a limited income. What would be the best credit card to start off with?

Question: I am newly single and on a limited income. What would be the best credit card to start off with? My credit, I would imagine, is poor. Answer: My highest recommendation is to search on CardRatings.com by selecting the criteria or credit card type for "Bad Credit." This would cover issues of both bad credit [...]

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.

How do your cards stack up?

Compare your card starting here


Featured Partner Cards