Bad credit can stop you from doing a lot of good things. It can seem like an uphill battle trying to get that credit back to a good state. The good news is that the best cards to boost your credit are not as far off as you think.
You know the cycle…you can’t get out of bad credit until you have good enough credit to get a credit card. There’s no more need to worry about this paradox of bad credit.
Now you can start building credit without needing to build credit for approval!
Credit Cards for Bad Credit
It can be difficult to get approved for a credit card if you have bad credit. These are the best cards for you to get so you can build up some credit. Plus, most of these cards have an annual fee of $0!
Capital One Platinum Secured Credit Card
This is one of the best cards to start using to build up your credit. You get great rewards for little responsibilities. You can see improvement in your credit in as little as six months!
Capital One Quicksilver Secured Cash Rewards Credit Card
You have a good chance of approval for this credit score. Once you start using this card, you have great opportunities for gaining rewards and upgrading.
Discover it Student Cash Back
If you’re a student trying to build credit, this is a great option for you. Discover offers a cash-back match and you can get 1-5% cash back on everything.Â
Discover it Secured Credit Card
If you’re not a student but you still want the great deals that Discover has to offer, this is the card for you. You get 1-2% cash back on everything and have the best first-year value out of any other card. Plus, Discover rewards responsible use by upgrading you to a better card in as little as 7 months!
Chime Credit Builder Visa Credit Card
This card is arguably the best card for account management. It’s known for how easy it is to use, plus it doesn’t require a credit check at all.
OpenSky Secured Visa Credit Card
OpenSky has a great option for a credit card that doesn’t require a credit check. It’s a great tool that allows you to be the boss of how you build your credit.Â
Citi Secured Mastercard
This credit card is a great help when it comes to establishing your credit profile. You also get access to Citi Entertainment which gets you great deals on a ton of things like concert tickets.
Credit-Building Loans
If you still need some help outside of getting a credit card or two, there are more options. Credit-building loans are a great option to build your credit quickly.Â
These loans are for the sole purpose of building your credit. You can think of them as training wheels for your credit-building journey.Â
You simply take out a small loan, one at a time, and set up a payment plan to pay it back. It’s super simple because it was created for your personal credit success.
Don’t worry about your credit score anymore!
There are plenty of things to worry about, but your credit score doesn’t have to be one of them. Some of the best cards for building your credit are also some of the easiest to get.Â
It’s not as difficult as you would think to take your credit score from dangerously low back to a good state. Just choose the right card or credit-building loan and learn to be responsible with what you have!
If you’re responsible with little, you can handle a lot more. Your credit score will start to show that from here on out.
