Bad Credit? No Problem! Best Credit Cards That Are Approved Instantly

A bad credit score doesn't mean your financial options are stalled. Credit cards are designed to help individuals rebuild their credit history while offering the convenience of owning a card. These cards often have benefits like low entry requirements, credit education tools, and reporting to major credit bureaus. Check below for the best options for credit cards for people with bad credit.

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1. Secured MasterCard from Capital One

Ideal for: Those looking to improve credit with low deposits. Features: This card requires a refundable security deposit starting at $49, $99, or $200, which sets your initial credit limit. Remarkably, it reports to all three major credit bureaus, ensuring your on-time payments help build your credit score. Additionally, Capital One may consider you for a higher credit line after just six months of timely payments.

2. Discover it® Secured Credit Card

Ideal for: Earning rewards while rebuilding credit. Features: The Discover it® Secured Credit Card stands out by offering cash back rewards—a rare feature for secured cards. Earn 2% at gas stations and restaurants on up to $1,000 combined purchases each quarter, plus unlimited 1% cash back on all other purchases. Discover also reviews your account, starting at eight months old, to assess your eligibility for transitioning to an unsecured card.

3. Credit One Bank® Visa® Credit Card

Ideal for: Those with poor credit who want a card without a security deposit. Features: This unsecured card offers 1% cash back on eligible purchases, including gas, groceries, and services such as mobile phone, internet, cable, and satellite TV. It's tailored for people with bad to fair credit and offers automatic reviews for credit line increases.

4. OpenSky® Secured Visa® Credit Card

Ideal for: Individuals seeking to rebuild credit without a credit check. Features: The OpenSky® Secured Visa® Credit Card does not require a credit check to apply, making it accessible for those with particularly low scores or no credit history. You set your credit line with a refundable deposit, starting from as little as $200.

5. Total Visa® Card

Ideal for: Quick access to credit. Features: The Total Visa® Card reports to all three major credit bureaus every month, which can help improve your credit rating if you manage your account responsibly. It offers a fast and easy application process with a response in seconds. Note that it comes with higher fees than other cards, making it crucial to understand the terms thoroughly before applying.


Choosing the right credit card when you have bad credit is crucial for building your financial future. These cards offer a stepping stone towards improved credit, provided they are used responsibly. Remember, always pay on time, keep balances low, and monitor your credit score regularly.

Consider which card aligns best with your financial habits and goals. Ready to start rebuilding your financial health? Choose one of the recommended credit cards and take the first step towards a brighter financial future. Check below for more tips on improving your credit score and managing credit effectively!

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