The Best Credit Cards With Perks! (Up To $10k Limits + Cash Back Offers)
- By Kirstie H. on
Looking for a credit card with great perks but have poor credit? We've got you covered. Check out these credit card offers for people with bad credit today!
Having a bad credit score can seriously impede your ability to find affordable credit. In today's world, credit cards are necessary for everything from hotel stays to getting a hire car. Of course, that doesn't mean that you should just settle for any credit card. In fact, it's possible to find credit cards with great perks, even if you have bad credit! Keep reading to learn more about the best credit cards available for people with poor credit.
Credit Cards For People With Poor Credit
Millions of Americans are living with less than stellar credit scores. Fortunately, it's possible to rebuild your credit. Credit cards can help you improve and rebuild your credit score while also offering perks such as travel insurance and exclusive discounts. Simply take out a credit card and make your minimum due payment on time every month and watch your credit score improve. If you want to build your credit fast, it's important to use credit cards in a disciplined manner. For example, you should try to keep your credit usage below 30% and not apply for multiple credit lines in a short period. If you follow this advice, your credit score will gradually improve.
Here are some highly-rated credit cards that are perfect for people with poor credit scores.
Capital One Platinum Credit Card
If you want an unsecured credit card from one of the most recognizable leaders in the world, the Capital One Platinum credit card is a great option. With an unsecured card, you don't need to worry about making a security deposit and funding out-of-pocket costs before you can start building your credit. Plus, Capital One offers customers protection against fraud if their card is ever lost or stolen.
Another great feature of the Capital One Platinum credit card is that you're automatically considered for a credit increase and reduced interest rate after six months of consistent payment history — and there's no annual fee!
Capital One Quicksilver Secured Credit Card
The Capital One Quicksilver Secured Credit Card is a credit card that requires an initial security deposit to start using. Fortunately, that's where the costs end, as there are no recurring fees, and you can even earn an unlimited 1.5% cash back on every purchase you make! Plus, your account will be automatically reviewed for a credit line increase after six months, as long as you build a consistent payment record.
Discover it Secured Credit Card
The Discover It Secured Credit Card can help you get a credit line, even if you have poor credit. After making an initial security deposit, you can start rebuilding your credit and earn 2% back cashback on up to $1000 in purchases at gas stations and restaurants each quarter! Plus, you can earn unlimited 1% cash back on all of your other purchases! In addition, the Discover It Secured Credit Card automatically matches all of the cash back you earn at the end of your first year!
Discover it Student Cash Back Credit Card
Are you a student with limited credit history? Check out the Discover it Student Cash-Back Credit Card. This credit card is created to help students with limited credit history build their credit scores — plus, there are no recurring fees! In fact, when you use this credit card, you pay 0% interest for the first six months of purchases, plus you can earn up to 5% cash back at select retailers and 1% on all your other purchases. Plus, at the end of your first year, you can look forward to getting back double your earned cashback amount!
Petal 2 Visa Credit Card
If you have a limited credit history and you're looking to improve your credit score, check out the Petal 2 Visa Credit Card. It's perfect for people on a tight budget, as there is no security deposit required and no recurring fees. Simply apply and get approved for a minimum credit line of at least $300 to start building your credit. Other perks include 1% cashback starting from your first purchase, which increases to 1.5% after 12 months of regular on-time payments, and up to 10% at select retailers!
It's possible to find great credit card deals even if you have a poor credit score. Start your search online for the best credit cards for bad credit today, and start rebuilding your credit score!