Best Cards for Bad Credit
The best credit cards for bad credit, ranked by real return.
If you are rebuilding or have fair credit, the best cards for bad credit still earn real rewards while reporting to all three bureaus so you can improve your score. These approachable cards are a genuine stepping stone toward premium products. Compare your best options below. See our ranked guide to the best bad credit cards.
Updated November 2026 · offers verified against issuer sources
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Every bad credit card we rank
- Business Advantage Unlimited Cash Rewards Secured Mastercard®
- Capital One Platinum Secured
- Capital One Quicksilver Secured Cash Rewards
- Capital One QuicksilverOne
- Capital One Savor Rewards for Good Credit
- Capital One Spark 1% Classic
- Chime Credit Builder Visa®
- Citi® Secured Mastercard®
- Credit One Bank® Platinum Visa®
- Destiny® Mastercard®
- Discover it® Secured Credit Card
- First PREMIER® Bank Mastercard®
- Fortiva® Mastercard®
- Indigo® Mastercard®
- Milestone® Mastercard®
- Ollo Everyday Rewards Mastercard®
- Surge® Platinum Mastercard®
- Total Visa® Card
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