Finding a credit card with poor credit might feel challenging, but the right options can help rebuild your score while providing useful benefits. In 2025, several credit cards are designed specifically for people with bad credit, offering manageable fees, fair interest rates, and even rewards. These cards can be powerful tools in boosting your credit health when used responsibly, allowing you to improve your financial standing and access better options in the future.
Credit One Bank Platinum Visa: Best for Earning Rewards
The Credit One Bank Platinum Visa is a standout choice for people with bad credit who want to earn rewards on everyday purchases. This card offers cash back on common expenses, which can make it a helpful tool for offsetting costs while building credit. Cardholders may also benefit from regular reviews for potential credit line increases, providing opportunities to expand credit over time.
The card’s combination of rewards and credit-building features makes it a valuable option for those focused on responsible use and gradual improvement of their credit scores. With responsible spending and on-time payments, this card can help users rebuild their credit while enjoying a few perks.
Petal 2 Visa Credit Card: Best for Those With No Credit History
The Petal 2 Visa is designed for people with no credit history, making it an accessible option for those looking to establish credit for the first time. This card uses a unique “cash score” system to assess applicants’ financial habits, which means it doesn’t rely solely on traditional credit history.
It also rewards users with cash back on purchases, with the potential for increased rewards after a period of consistent on-time payments. With no fees and cash-back opportunities, the Petal 2 Visa offers a chance to build credit responsibly while enjoying benefits that can ease the cost of everyday spending.
Prosper Card: Best for Low Annual Fees
For those seeking a card with a low annual fee, the Prosper Card is a practical choice for rebuilding credit. This card doesn’t require a security deposit, making it more accessible for individuals who want to avoid upfront costs. The Prosper Card reports to all three major credit bureaus, which helps users establish a positive payment history when managed responsibly.
Additionally, it offers a straightforward path to improving credit without the high fees that many other cards for bad credit can have. With its low barrier to entry and essential credit-building features, the Prosper Card is a solid choice for budget-conscious individuals working to improve their credit.
Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Graduating to an Unsecured Card
The Capital One Quicksilver Secured Cash Rewards Credit Card provides a structured path for users to eventually “graduate” to an unsecured card. This card offers cash back on all purchases, adding value even while cardholders work to rebuild their credit. With no foreign transaction fees, it’s also a practical option for those who travel internationally.
Additionally, this card reports to major credit bureaus, which can positively impact credit scores when payments are made on time. The opportunity to graduate to an unsecured card makes it an appealing choice for people focused on long-term credit improvement and financial growth.
Discover it Secured Credit Card: Best for Earning Cash Back on Every Purchase
The Discover it Secured Credit Card stands out for offering cash back on every purchase, a rare feature among secured cards. Cardholders can earn rewards for both everyday purchases and rotating quarterly categories, which can add up to significant savings over time. Discover also reviews accounts regularly, providing an opportunity for users to transition to an unsecured card.
With no annual fee, this card is an affordable option for those working to improve their credit. As it reports to all three major credit bureaus, the Discover it Secured Credit Card supports responsible users in their efforts to build credit while enjoying cash-back benefits.
Learn More About the Best Credit Cards for Bad Credit
Rebuilding credit is achievable with the right credit card, offering features like cash back, low fees, and the opportunity to upgrade to an unsecured card. Options like the Discover it Secured and Capital One Quicksilver Secured provide valuable benefits while helping to establish positive credit habits. With careful use, these cards can set you on the path to better credit and greater financial opportunities in the future.