Top 10 Credit Cards You Can Get With Bad Credit – 2025 List

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Having a bad credit score doesn’t mean you’re locked out of the credit card world forever. In 2025, banks and financial institutions are offering more flexible options to help people with poor or no credit history rebuild their score, enjoy basic card benefits, and access emergency funds. Whether you’re in the USA, UK, Canada, Australia, or elsewhere, there are credit card options designed for you.

Below is a list of 10 credit cards that are easier to get approved for — even with bad credit — along with tips on how to use them wisely to boost your credit profile.

1. Secured Credit Cards – The Starter Choice

  • Best for: People with credit scores below 580
  • How it works: You deposit a refundable security amount (usually $200–$500) which becomes your credit limit.
  • Why it’s great: High approval rates, even with very poor credit.
  • Example features: No annual fee, reports to all 3 credit bureaus (in the US) or local equivalents.

💡 Tip: Always pay your bill in full each month to rebuild credit faster.

2. Capital One Platinum Secured Card (USA)

  • Annual Fee: $0
  • Key Feature: May offer a $200 limit for just a $49 deposit.
  • Why it’s great for bad credit: One of the lowest deposit requirements in the US market, making it budget-friendly.

3. Vanquis Chrome Credit Card (UK)

  • APR: Higher than standard cards (typical for bad credit cards)
  • Starting Limit: £250–£1,000
  • Why it’s great: Designed specifically for people with poor or limited credit history.
  • Approval time: Often within 24 hours after application.

4. Refresh Financial Secured Card (Canada)

  • Annual Fee: $12.95 CAD
  • Limit Range: $200–$10,000
  • Why it’s great: No credit check required, approval is based on deposit.
  • Extra perk: Offers a credit-building program for an extra monthly fee.

5. OpenSky® Secured Visa® Card (USA)

  • Annual Fee: $35
  • Approval: No credit check
  • Why it’s great: Perfect for people who’ve faced multiple rejections; reports to all major credit bureaus.

6. Indigo® Platinum Mastercard® (USA)

  • Annual Fee: $0–$99 (depends on your credit profile)
  • Why it’s great: Unsecured card for bad credit — meaning no deposit is required.
  • Best for: People who don’t have cash for a deposit but need to rebuild credit.

7. Credit One Bank® Platinum Visa® (USA)

  • Annual Fee: Varies, often $0–$75 first year
  • Why it’s great: Offers cashback rewards (rare for bad credit cards).
  • Approval rate: Higher than most unsecured cards.

8. Aqua Classic Card (UK)

  • Limit: £250–£1,200
  • Why it’s great: Specially made for people with past defaults or CCJs (County Court Judgments).
  • Bonus: Can increase your limit after 3–6 months of good usage.

9. Latitude Gem Visa (Australia & NZ)

  • Annual Fee: AUD $69
  • Why it’s great: Easy approval for people with fair or poor credit in Australia/New Zealand.
  • Extras: Flexible repayment plans.

10. Secured Visa from Your Local Bank

If you’re outside the US, UK, Canada, or Australia, many local banks and credit unions offer secured credit cards with low deposit requirements.
Why it’s great: Easy to get, widely accepted, and ideal for credit rebuilding.

How to Choose the Right Credit Card With Bad Credit

When comparing cards:

  1. Check if it reports to all major credit bureaus – essential for rebuilding credit.
  2. Watch the fees – bad credit cards often have high annual or processing fees.
  3. Consider deposit requirements – if you can’t pay upfront, look for unsecured options.
  4. Look for upgrade potential – some secured cards convert to unsecured after a year of good use.

Mistakes to Avoid

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  • Paying late – This will damage your score further.
  • Maxing out your limit – Keep usage below 30% of your limit.
  • Closing too soon – Length of credit history matters for your score.

Final Thoughts

Bad credit doesn’t have to mean no credit card. With the right choice and responsible usage, you can improve your score in as little as 6–12 months. Whether you go for a secured card, a specialized bad credit card, or a pre-approved offer, remember that your payment habits today shape your credit opportunities tomorrow.

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