How to Get Approved for a Credit Card with Bad Credit in 2025

Getting approved for a credit card with bad credit can feel challenging, but it’s entirely possible with the right approach. Whether you have a low credit score or no credit history at all, there are options designed to help you rebuild your financial standing. Here’s how you can improve your chances of approval and start working towards better credit.

1. Check Your Credit Score & Report

Before applying for a credit card, review your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion). Identify any errors and dispute inaccuracies that may be negatively affecting your score.

2. Apply for the Right Type of Credit Card

Not all credit cards require excellent credit. Consider these options:

• Secured Credit Cards: Require a refundable deposit and help build credit with responsible use.
• Credit Builder Cards: Specifically designed for people with bad or no credit.
• Retail Store Cards: Easier to qualify for but often come with high-interest rates.
• Prepaid Cards (Not Recommended for Credit Building): While useful for budgeting, they don’t help improve your credit score.

3. Top Credit Cards for Bad Credit in 2025

• Discover it® Secured Card: No annual fee, cash-back rewards, and reports to all three major bureaus.
• Capital One Platinum Secured: Low deposit requirement and automatic credit limit reviews.
• OpenSky® Secured Visa®: No credit check required, making it ideal for those with very poor credit.

4. Increase Your Approval Odds

• Make On-Time Payments: Late payments hurt your credit score significantly.
• Keep Credit Utilization Low: Try to use less than 30% of your credit limit.
• Consider a Co-Signer: Some credit cards allow you to apply with a co-signer who has better credit.
• Become an Authorized User: Getting added to someone else’s credit card account can help build your credit history.

5. Monitor Your Credit Progress

Use free credit monitoring services to track your improvements and adjust your strategy as needed. Many banks and credit card issuers offer free FICO® score tracking.

Final Thoughts

Having bad credit doesn’t mean you’re out of options. By choosing the right credit card and using it responsibly, you can gradually improve your score and qualify for better financial products in the future. If you need personalized recommendations, consider speaking with a financial advisor or credit counseling service.

Would you like help comparing secured credit cards or exploring alternative ways to improve your credit?