7 Best Credit Cards For Bad Credit (November 2018)

credit card bad credit

It can be tough to get a card if you have a low score, but it’s certainly not an impossible task. You can choose between secured and unsecured, which means they may or may not require a deposit. These credit cards will help to build or rebuild your score and they can even increase your spending limit if you use them responsibly.

Here are the seven best credit card offers for bad credit for November 2018:

Discover it Secured

  • No annual fee
  • Reports to credit bureaus
  • Refundable security deposit from $200-$2500
  • 2% cash back at gas stations and restaurants
  • 1% cash back on all other purchases
  • FREE Social Security number alerts

Capital One Secured Mastercard

  • No annual fee
  • Limited/bad credit accepted
  • Reports to credit bureaus
  • No foreign transaction fees
  • $200 secured deposit, based on your creditworthiness

OpenSky Secured Visa Card

  • Reports to credit bureaus
  • No credit check
  • Refundable security deposit of as low as $200
  • $35 annual fee
  • Zero fraud liability
  • Auto rental insurance

Indigo Platinum Mastercard

  • Reports to credit bureaus
  • Doesn’t require a security deposit
  • $75 annual fee for the first year, then it’s $99. However, you could qualify for no annual fee, depending on your score.
  • 1% foreign transaction fee
  • Roadside assistance
  • Physical Damage and Theft Coverage if you pay for your car rental with your card.

Visa Classic from Georgia’s Own Credit Union

  • No annual fee
  • Bad credit accepted
  • Reports to credit bureaus
  • Low interest rate

Capital One Bank Unsecured Visa with Cash Back Rewards

  • Applying won’t affect your credit score
  • Fast decision on your application
  • Zero fraud liability
  • Free access to your Experian credit score and credit report summary
  • Doesn’t require a security deposit
  • Get 1% cash back on eligible purchases

Total VISA Unsecured Credit Card

  • Manageable monthly payments
  • Reports monthly to all three major credit bureaus
  • Accepted by merchants throughout the USA and online
  • Checking account required

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