How to Get a Credit Card with Bad Credit in the US in 2025
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If you have bad credit, getting a credit card may seem like a huge challenge, but there are viable options for those looking to rebuild their credit.
In 2025, secured credit cards have proven to be the best alternative for those with poor or no credit history. These options require an initial deposit that serves as your credit limit and are ideal for improving your credit score.
How to Get a Credit Card with Bad Credit?
Even with bad credit, you can still get a credit card. Secured cards, like those offered by Chime Credit Builder, OpenSky, and Secured Discover Card, are great options for rebuilding credit.
These cards require an initial deposit as collateral, which becomes your credit limit. By using the card responsibly, you can gradually improve your credit score.
Want to know more about choosing the best card for your situation? Click the button to discover the available options!
What Are Secured Credit Cards?
Secured credit cards require the cardholder to make a deposit as collateral. This deposit serves as your credit limit and is a great option for those just starting to rebuild their credit or have bad credit history.
By using the card responsibly, paying bills on time and keeping balances low, you can improve your credit score over time.
What Are the Best Credit Card Options for Those with Bad Credit?
Among the available options, Chime Credit Builder stands out because it doesn’t require a credit check and allows the user to set their own credit limit, making financial management easier.
OpenSky Secured Visa® offers a simple application process and also doesn’t perform a credit check, making it a popular choice for those looking to rebuild their credit.
The Discover it® Secured Credit Card combines the benefits of a secured card with cashback rewards, making it an attractive option for those looking to earn benefits while rebuilding their credit.
How to Improve Your Credit Score with Bad Credit Cards?
In addition to choosing the right card, there are effective ways to use credit responsibly to improve your score over time.
Keep the balance below 30% of your credit limit, make timely payments, and avoid requesting excessive credit.
Click the button to see the best practices for rebuilding your credit with these cards.
