Starting over with your credit can feel overwhelming, but having the right credit card can help you take the first step. Whether it’s a secured card that needs a deposit or an unsecured option with fewer requirements, the goal is the same: build your credit score by making payments on time and keeping your balance low and you can pay later. Below are ten credit cards that are great choices for people with poor or limited credit.
1. Discover it Secured Credit Card
This is one of the top-rated secured cards for people trying to improve their credit. There’s no annual fee, and you can earn cash back on purchases, which is rare for secured cards. You’ll need to provide a refundable deposit of up to $2,500. After eight months, Discover will review your account to see if you qualify for an upgrade to an unsecured card.
2. Capital One Secured Mastercard
This card doesn’t offer rewards, but it’s still a favorite for rebuilding credit. You can start with a deposit as low as $49 for a $200 credit line, depending on your credit. After five on-time payments, you may receive a credit limit increase without needing to add more money.
3. Indigo Platinum Mastercard
A key benefit of this card is that you can see if you qualify without affecting your credit score. It’s a solid choice for rebuilding credit and includes fraud protection along with mobile banking access. There are no monthly maintenance fees either.
4. OpenSky Secured Visa Credit Card
OpenSky doesn’t run a credit check when you apply, making it great for those with no credit history or damaged credit. You’ll need to put down a deposit of at least $200. There is a small annual fee, but the card reports to all three major credit bureaus. It also includes tools and tips to help you build your credit over time.
5. First Access Visa Card
This is an unsecured credit card, so no deposit is required. The application process is fast, and most people receive an approval decision in under a minute. If you manage your account well during the first six months, you might qualify for a higher credit limit.
6. Total Visa Unsecured Credit Card
This card doesn’t require a deposit, but you’ll need a checking account to apply. The approval process is simple and straightforward. There may be a small processing fee to get started, and your account is reported to all three major credit bureaus monthly.
7. USAA Secured Visa Platinum Card
This card is available to military members, veterans, and their families. It requires a security deposit that goes into a certificate of deposit (CD), which earns interest. It’s a smart way to build credit while also saving. The card also offers travel-related benefits like trip cancellation coverage.
8. Milestone Mastercard
With the Milestone card, there’s no monthly fee, although an annual fee of up to $99 may apply depending on your credit score. You can apply without it affecting your credit, and the card includes fraud protection. It also reports your account history to all three credit bureaus.
9. First Progress Platinum Select Mastercard Secured
This secured card doesn’t require a credit check and accepts deposits between $200 and $2,000. While it’s not yet available in every state, the application is easy, and all activity is reported to the major credit bureaus to help build your credit.
10. Credit One Bank Unsecured Visa with Cash Back
This card offers cash back rewards for spending on things like groceries, gas, and utility bills. You don’t need to put down a deposit, and you can choose your payment date to match your pay schedule. The card also alerts you when you’re eligible for a credit limit increase.
Final Thoughts
Improving your credit takes time, but getting the right card can make the process easier. Look for a card that reports to all three credit bureaus and offers terms that match your needs. Whether you go with a secured or unsecured card, responsible use can help you build stronger credit and access better financial opportunities in the future.