Best travel credit cards for bad credit

Author Image
Written by
Bill Gilman
Why you should trust CardRatings
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

Having poor credit or no credit doesn’t mean you never travel or that you couldn’t benefit from a quality credit card when you take your trips. In fact, responsibly using a credit card, whether traveling or staying home, is one of the best ways to improve your credit score.

Your poor credit, however, will likely keep you from qualifying for the top travel rewards cards out there. Even so, you can still benefit from the security, perks and, yes, even rewards, that some cards offer to people with less-than-stellar credit.

An excellent place to start is with a secured credit card that reports to the three major credit bureaus. With a secured card, your security deposit – commonly a minimum of $200 – usually determines your credit limit. If you want to increase your credit limit, you need to increase your security deposit.

Your primary goal when looking to improve your credit from the poor/limited level is to show a pattern of responsible card use and payment. That means sticking to a budget and always paying off the card balance in full each billing cycle.

That said, there are some added benefits and factors to consider.

Secured cards offer the same protections afforded traditional, unsecured credit cards in terms of fraud protection and ease of use. Since you want to travel with your card, you also want to consider things like whether the card charges foreign transaction fees (none of the cards on this list do) and if its widely accepted abroad.

Lastly, you can earn rewards with a credit card for poor/limited credit; you just have to know where to look. Fortunately, CardRatings has done the research and put together the following list of the best travel credit cards for bad credit.

card_name

discontinued_disclaimer
card_name
 
Rewards
points_per_dollar
Annual Fee
annual_fees
Regular APR
reg_apr,reg_apr_type
Credit Needed
credit_score_needed

card_name

discontinued_disclaimer
Rewards
points_per_dollar
Annual Fee
annual_fees
Regular APR
reg_apr,reg_apr_type
Credit Needed
credit_score_needed

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

card_name

discontinued_disclaimer
card_name
 
Welcome Offer
bonus_miles_full
Rewards
points_per_dollar
Annual Fee
annual_fees
Credit Needed
credit_score_needed

Featured Partner Cards:

Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.