15 Easiest Credit Cards to Get with Bad Credit

Published on February 19, 2024 at 4:41 pm by Marium Zaidi in Economy, Industries, Lists, News

In this article we will take a look at the 15 Easiest Credit Cards to Get with Bad Credit.

A significant portion of the population faces challenges related to creditworthiness, with many individuals contending with low credit scores due to past financial missteps or limited credit history. As of the latest statistics by Experian, approximately 33% of Americans have credit scores below 670, categorizing them as having fair to poor credit. This shows the pressing need for accessible credit solutions tailored to this demographic, offering a means to rebuild creditworthiness and access essential financial services.

Furthermore, studies reveal the profound impact that credit scores can have on individuals’ financial well-being. According to research conducted by the Consumer Financial Protection Bureau (CFPB), individuals with lower credit scores tend to face higher borrowing costs, including elevated interest rates on loans and credit cards. Additionally, they may encounter difficulties in securing housing, obtaining insurance coverage, and even finding employment, as many employers now conduct credit checks as part of their hiring process.

Recognizing this need, financial institutions have developed specialized credit card offerings targeted at individuals with bad credit. These cards typically come with relaxed approval criteria, making them easier to obtain even for those with tarnished credit histories. Moreover, many of these cards offer features such as secured credit lines, low credit limits, and credit-building tools aimed at assisting cardholders in improving their credit scores over time.

In the US, Bank of America Corporation (NYSE: BAC) is one of the largest financial institutions, which offers secured credit card options for individuals with bad credit. The Bank of America Corporation (NYSE: BAC)’s Secured Credit Card is a notable offering, providing individuals with the opportunity to build or rebuild their credit history. Cardholders are required to provide a security deposit, which determines their initial credit limit. Bank of America Corporation (NYSE: BAC) also offers online and mobile banking services, allowing cardholders to manage their accounts conveniently and track their credit progress.

Similarly, Wells Fargo & Company (NYSE: WFC) is another major player in the financial industry, offering secured credit card options to help individuals with bad credit establish or rebuild their credit. The Wells Fargo & Company (NYSE: WFC)’s Secured Credit Card is one such offering, requiring a security deposit that becomes the cardholder’s credit line. Cardholders can use the Secured Credit Card responsibly to demonstrate creditworthiness over time. Wells Fargo & Company (NYSE:WFC) also provides online account management tools and access to credit education resources to assist cardholders in managing their credit effectively.

These and many other financial institutions offer credit cards designed to provide a pathway to credit recovery for individuals with bad credit, empowering them to improve their financial health and achieve their long-term goals.

Methodology

To compile the list of the 15 Easiest Credit Cards to Get with Bad Credit, we shortlisted the top credit cards to get with bad credit, from sources like Card Rates, Bad Credit, and Forbes Advisor. And then we opted for a consensus approach relying on opinion threads from popular platforms Quora and Reddit. A score point was given each time a credit card was mentioned as easiest to get with bad credit and then all the points were added to give a total score to each credit card. Then the list of the 15 easiest credit cards to get with bad credit was ranked in ascending order (least recommended to highly recommended credit cards).

By the way, Insider Monkey is an investing website that tracks the movements of corporate insiders and hedge funds. By using a similar consensus approach, we identify the best stock picks of more than 900 hedge funds investing in US stocks. The top 10 consensus stock picks of hedge funds outperformed the S&P 500 Index by more than 140 percentage points over the last 10 years. Whether you are a beginner investor or a professional one looking for the best stocks to buy, you can benefit from the wisdom of hedge funds and corporate insiders – check details here.

15 Easiest Credit Cards to Get with Bad Credit

15. First Progress Platinum Elite Mastercard® Secured Credit Card

Score: 3

The First Progress Platinum Elite Mastercard® Secured Credit Card is tailored for individuals looking to rebuild their credit. With this card, you can provide a security deposit to establish your credit line, making it easier to qualify for even with a less-than-perfect credit history. It reports to all three major credit bureaus, allowing you to demonstrate responsible credit use and improve your credit score over time.

14. Indigo® Platinum Mastercard®

Score: 3

The Indigo® Platinum Mastercard® is a popular choice for those with less-than-ideal credit. One of its key features is the pre-qualification process, which allows applicants to check their eligibility without impacting their credit score. With straightforward terms and conditions, this card offers an opportunity for individuals to rebuild their credit while enjoying the convenience of a Mastercard®.

13. FIT™ Platinum Mastercard®

Score: 4

The FIT™ Platinum Mastercard® is designed for individuals striving to improve their credit health. With its focus on accessibility, this card offers a simple application process and is available to those with poor credit. It provides an opportunity to establish or rebuild credit with responsible use, helping cardholders move toward financial stability.

12. NASCAR® Credit Card from Credit One Bank®

Score: 4

The NASCAR® Credit Card from Credit One Financial Inc (COFI.OB) is a unique option for racing enthusiasts seeking to rebuild their credit. With features like cash back rewards and flexible payment options, this card caters to individuals with less-than-perfect credit histories. Its straightforward application process makes it accessible to those working on improving their financial standing.

11. Total Visa® Unsecured Credit Card

Score: 4

The Total Visa® Unsecured Credit Card is designed to provide individuals with bad credit an opportunity to access credit without requiring a security deposit. Despite its accessibility, it’s important to note that this card may come with higher fees and interest rates. However, for those looking to rebuild their credit, it offers a starting point and reports to major credit bureaus to help establish positive credit history.

10. Applied Bank® Secured Visa® Gold Preferred® Credit Card

Score: 5

The Applied Bank® Secured Visa® Gold Preferred® Credit Card is an excellent choice for individuals looking to rebuild their credit. By providing a security deposit, cardholders can establish a credit line, making it easier to qualify for those with bad credit. This card reports to major credit bureaus, allowing users to demonstrate responsible credit management and improve their credit scores over time. Additionally, it offers features such as online account management and customer service to assist cardholders in their credit-building journey.

9. Surge Mastercard®

Score: 5

The Surge Mastercard® is specifically designed to assist individuals with poor credit in rebuilding their financial standing. Its quick and straightforward application process ensures accessibility for those who may have difficulty obtaining traditional credit cards. While the Surge Mastercard® may have higher fees and interest rates, it provides an opportunity for cardholders to demonstrate responsible credit use and work towards better financial stability. Additionally, it offers features like zero fraud liability and online account management to enhance the cardholder experience.

8. Fortiva® Mastercard® Credit Card

Score: 5

The Fortiva® Mastercard® Credit Card is tailor-made for individuals with bad credit who are committed to improving their financial situation. With a simple application process and accessibility for those with not the best credit histories, this card serves as a valuable tool for rebuilding credit. Although it may have higher fees and interest rates, it provides a pathway for cardholders to rebuild their credit with responsible use and on-time payments. Furthermore, it offers features like account alerts and online bill payment to help cardholders manage their finances effectively.

7. Milestone® Gold Mastercard®

Score: 4

The Milestone® Gold Mastercard® is a highly sought-after option for individuals with bad credit seeking to rebuild their credit scores. With features such as pre-qualification without impacting credit scores, this card offers accessibility to those with less-than-ideal credit histories. By responsibly managing their credit, cardholders can use this card as a tool to improve their financial health over time. Additionally, the Milestone® Gold Mastercard® provides benefits like zero fraud liability protection and online account access to enhance the cardholder experience.

6. Secured Chime Credit Builder Visa® Credit Card

Score: 6

The Secured Chime Credit Builder Visa® Credit Card is designed to assist individuals with bad credit in establishing or rebuilding their credit profiles. With a focus on simplicity and accessibility, this card offers a straightforward application process and requires a security deposit to secure a credit line. By using this card responsibly and making on-time payments, cardholders can work towards improving their credit scores and financial well-being. Additionally, the Secured Chime Credit Builder Visa® Credit Card provides features such as mobile banking and account alerts to help cardholders manage their finances effectively and track their progress in rebuilding their credit.

5. First Progress Platinum Prestige Mastercard® Secured Credit Card

Score: 6

The First Progress Platinum Prestige Mastercard® Secured Credit Card is a top choice for individuals seeking to rebuild their credit. With a focus on prestige, this card offers a secured credit line established by a security deposit, making it accessible to those with less-than-perfect credit histories. It reports to all three major credit bureaus, allowing cardholders to showcase their responsible credit management and gradually improve their credit scores over time. Additionally, it provides perks such as 24/7 customer service support and fraud protection for added peace of mind.

4. OpenSky® Secured Visa® Credit Card

Score: 6

The OpenSky® Secured Visa® Credit Card stands out for its simplicity and accessibility. With no credit check required, this card is an excellent option for individuals with bad credit or no credit history. By providing a refundable security deposit, cardholders can establish a credit line and begin their credit-building journey. The OpenSky® Secured Visa® Credit Card reports to major credit bureaus, enabling users to demonstrate their responsible credit use and improve their credit scores over time. Moreover, it offers features such as online account management and customisable credit limits for added convenience.

3. Credit One Bank® Platinum Visa® for Rebuilding Credit

Score: 8

The Credit One Bank® Platinum Visa® for Rebuilding Credit is specifically designed to empower individuals on their credit-rebuilding journey. With a focus on rewards, this card offers cash back on eligible purchases, providing cardholders with incentives to use credit responsibly. Despite its accessibility to those with less-than-perfect credit histories, it provides benefits such as free online access to credit score tracking and fraud protection services. The Credit One Bank® Platinum Visa® is an excellent tool for individuals aiming to improve their credit health while enjoying the perks of a rewards program.

2. Capital One Secured Credit Card

Score: 8

The Capital One Secured Credit Card by Capital One Financial Corp (NYSE:COF) is a good option for individuals looking to rebuild or establish their credit. With a straightforward application process and no annual fee, this card offers accessibility to those with bad credit or no credit history. By providing a refundable security deposit, cardholders can access a credit line and begin their credit-building journey. Capital One Financial Corp (NYSE:COF)’s Secured Credit Card reports to major credit bureaus, enabling users to demonstrate responsible credit use and improve their credit scores over time. Additionally, it offers benefits such as personalized payment due dates and access to CreditWise®, Capital One’s credit monitoring tool, to help cardholders track their credit progress effectively.

1. Discover it® Secured Credit Card

Score: 10

The Discover it® Secured Credit Card is hailed as a standout option for individuals with bad credit due to its unique rewards program and credit-building features. With cash back rewards on eligible purchases, this card incentivizes responsible credit use while allowing cardholders to earn rewards. Backed by Discover’s excellent customer service reputation, the Discover it® Secured Credit Card offers a secured credit line established by a security deposit, making it accessible to those with less-than-perfect credit histories.

This card reports to major credit bureaus, enabling users to showcase their responsible credit management and gradually improve their credit scores over time. Additionally, Discover it® Secured Credit Card provides benefits such as free FICO® credit score monitoring, no annual fee, and access to Discover’s mobile app for convenient account management. With its combination of rewards, credit-building tools, and customer-centric features, the Discover it® Secured Credit Card is an exceptional choice for individuals committed to improving their financial health.

Insider Monkey focuses on uncovering the best investment ideas of hedge funds and investors. Please subscribe to our daily free newsletter to get the latest investment ideas from hedge funds’ investor letters by entering your email address below. You can also check out 14 Best Bank Dividend Stocks To Buy Now and 11 Most Profitable Bank Stocks To Invest In.

We may use your email to send marketing emails about our services. Click here to read our privacy policy.

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

Published on May 16, 2026 at by Inan Dogan, PhD

Dr. Ian Dogan

Co-Founder and Research Director at Insider Monkey

When Jeff Bezos said that one breakthrough technology would shape Amazon’s destiny, even Wall Street’s biggest analysts were caught off guard.

Fast forward a year and Amazon’s new CEO Andy Jassy described generative AI as a “once-in-a-lifetime” technology that is already being used across Amazon to reinvent customer experiences.

At the 8th Future Investment Initiative conference, Elon Musk predicted that by 2040 there would be at least 10 billion humanoid robots, with each priced between $20,000 and $25,000.

Do the math. According to Musk, this technology could be worth $250 trillion by 2040.

Put another way, that’s roughly equal to:

175 Teslas
107 Amazons
140 Metas
84 Googles
65 Microsofts
And 55 Nvidias

And here’s the wild part — this $250 trillion wave isn’t tied to one company, but to an entire ecosystem of AI innovators set to reshape the global economy.

It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential.

How could anything be worth that much?

The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates.

And this breakthrough has already set off a frenzy among hedge funds and Wall Street’s top investors.

What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution.

In fact, Verge argues this company’s supercheap AI technology should concern rivals.

Before I reveal the details, let’s talk about how some of the richest people on the planet are positioning themselves.

Bill Gates sees artificial intelligence as the “biggest technological advance in my lifetime,” more transformative than the internet or personal computer, capable of improving healthcare, education, and addressing climate change.
Larry Ellison — through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and apps.
Warren Buffett — not known for tech hype — says this breakthrough could have a ‘hugely beneficial social impact.

When billionaires from Silicon Valley to Wall Street line up behind the same idea — you know it’s worth paying attention to.

Even as we admire what Tesla, Nvidia, Alphabet, and Microsoft have built, we believe an even greater opportunity lies elsewhere…

But the real story isn’t Nvidia — it’s a much smaller company quietly improving the critical technology that makes this entire revolution possible.

And judging by what I’m hearing from both Silicon Valley insiders and Wall Street veterans…

This prediction might not be bold at all:

A few years from now, you’ll wish you’d owned this stock.

The best part? You can discover everything about this company and its groundbreaking technology right now.

I’ve compiled everything you need to know about this groundbreaking company in a detailed, members-only report.

Trust me — you’ll want to read this report before putting another dollar into any tech stock.

For a ridiculously low price of just $9.99 a month, you can unlock a year’s worth of in-depth investment research and exclusive insights – that’s less than a single fast food meal!

Here’s why this is a deal you can’t afford to pass up:

• Access to our Detailed Report on this Game-Changing AI Stock: Our in-depth report dives deep into our #1 AI stock’s groundbreaking technology and massive growth potential.

• 11 New Issues of Our Premium Readership Newsletter: You will also receive 11 new issues and at least one new stock pick per month from our monthly newsletter’s portfolio over the next 12 months. These stocks are handpicked by our research director, Dr. Inan Dogan.

• One free upcoming issue of our 70+ page Quarterly Newsletter: A value of $149

• Bonus Reports: Premium access to members-only fund manager video interviews

• Ad-Free Browsing: Enjoy a year of investment research free from distracting banner and pop-up ads, allowing you to focus on uncovering the next big opportunity.

• 30-Day Money-Back Guarantee: If you’re not absolutely satisfied with our service, we’ll provide a full refund within 30 days, no questions asked.

If you’re thinking about getting in, don’t wait – because once Wall Street catches wind of this story, the easy money will be gone.

Space is Limited! Only 1000 spots are available for this exclusive offer. Don’t let this chance slip away – subscribe to our Premium Readership Newsletter today and unlock the potential for a life-changing investment.

Here’s what to do next:

1. Subscribe to our Premium Readership Newsletter for just $9.99 a month. (33% Off – was $14.99).

2. Enjoy a year of ad-free browsing, exclusive access to our in-depth report on the revolutionary AI company, and the upcoming issues of our Premium Readership Newsletter over the next 12 months.

3. Sit back, relax, and know that you’re backed by our ironclad 30-day money-back guarantee.

Don’t miss out on this incredible opportunity! Subscribe now and take control of your AI investment future!

Insider Monkey Ads

Buy This $3 Stock Now Before the 400% Surge Begins

Published on May 15, 2026 at by Inan Dogan, PhD

Dr. Ian Dogan

Co-Founder and Research Director at Insider Monkey

My name is Inan Dogan. I’m the co-founder and Research Director of Insider Monkey. I have an important message for you today.

Since March 2017, my stock picks have returned 16.5% annually. Today, I’ve found an opportunity even bigger than my British American Tobacco call.

Two years ago, Wall Street wrote off British American Tobacco (BTI) as a “melting ice cube.” The stock had crashed 40% from its peak, and consensus said the business was dying.

We looked under the cover and realized they were wrong.

We alerted our subscribers, and BTI returned 90% in just 16 months.

Now if you had invested just $10,000 in BTI in June 2024, you’d be sitting on $19,000 in October 2025.

Today, we have identified a nearly identical pattern in a digital-first giant trading at $3.

While the market panics over a surface-level revenue decline, our PhD-led research shows management has actually surgically cut $100 million in waste to focus on high-margin growth.

This pattern is a hallmark of our 16.5% annual return track record. The current opportunity offers a 400% upside potential—dwarfing even our 90% BTI return.

Get the ticker for our new “Underdog” pick and the full BTI case study for just 99 cents.

This exclusive offer is for NEW newsletter subscribers ONLY! Join our Premium Readership Newsletter for only $0.99 and become part of a savvy investor community.!

This offer vanishes in 7 days, so don’t miss your chance to lock in market beating returns! Sign up NOW! The monthly newsletter comes with a 30-day, no-risk money-back guarantee. This offer is available to the first 1000 new investors who respond.

Here’s why this is a deal you can’t afford to pass up:

Access to our Detailed Report on this $3 stock with 400% upside potential.
BONUS REPORT on our #1 AI-Robotics Stock with 10000% upside potential: Our in-depth report dives deep into our #1 AI/robotics stock’s groundbreaking technology and massive growth potential.
One New Issue of Our Premium Readership Newsletter: You will also receive one new issue per month and at least one new stock pick per month from our monthly newsletter’s portfolio over the next 12 months. These stocks are handpicked by our research director, Dr. Inan Dogan.
One free upcoming issue of our 70+ page Quarterly Newsletter: A value of $149
Bonus Content: Premium access to members-only fund manager video interviews
Ad-Free Browsing: Enjoy a month of investment research free from distracting banner and pop-up ads, allowing you to focus on uncovering the next big opportunity.
Lifetime Price Guarantee: Your renewal rate will always remain the same as long as your subscription is active.
30-Day Money-Back Guarantee: If you’re not absolutely satisfied with our service, we’ll provide a full refund within 30 days, no questions asked.

Here’s what to do next:

1. Head over to our website and subscribe to our Premium Readership Newsletter for just $0.99.

2. Enjoy a month of ad-free browsing, exclusive access to our in-depth report on the Trump tariff and nuclear energy company as well as the revolutionary AI-robotics company, and the upcoming issues of our Premium Readership Newsletter.

3. Sit back, relax, and know that you’re backed by our ironclad 30-day money-back guarantee.

Don’t miss out on this incredible opportunity! Subscribe now and take control of your AI investment future!

Markets

Insider Trading

Hedge Funds

Retirement

Opinion

Log In

Sign Up

15 Easiest Credit Cards to Get with Bad Credit

Published on February 19, 2024 at 4:41 pm by Marium Zaidi in Economy, Industries, Lists, News

Methodology

15 Easiest Credit Cards to Get with Bad Credit

15. First Progress Platinum Elite Mastercard® Secured Credit Card

14. Indigo® Platinum Mastercard®

13. FIT™ Platinum Mastercard®

12. NASCAR® Credit Card from Credit One Bank®

11. Total Visa® Unsecured Credit Card

10. Applied Bank® Secured Visa® Gold Preferred® Credit Card

9. Surge Mastercard®

8. Fortiva® Mastercard® Credit Card

7. Milestone® Gold Mastercard®

6. Secured Chime Credit Builder Visa® Credit Card

5. First Progress Platinum Prestige Mastercard® Secured Credit Card

4. OpenSky® Secured Visa® Credit Card

3. Credit One Bank® Platinum Visa® for Rebuilding Credit

2. Capital One Secured Credit Card

1. Discover it® Secured Credit Card

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

Published on May 16, 2026 at by Inan Dogan, PhD

Here’s why this is a deal you can’t afford to pass up:

Buy This $3 Stock Now Before the 400% Surge Begins

Published on May 15, 2026 at by Inan Dogan, PhD

Here’s why this is a deal you can’t afford to pass up:

Markets

Insider Trading

Hedge Funds

Retirement

Opinion

Premium

Log In

Sign Up

15 Easiest Credit Cards to Get with Bad Credit

Published on February 19, 2024 at 4:41 pm by Marium Zaidi in Economy, Industries, Lists, News

Share

Methodology

15 Easiest Credit Cards to Get with Bad Credit

15. First Progress Platinum Elite Mastercard® Secured Credit Card

14. Indigo® Platinum Mastercard®

13. FIT™ Platinum Mastercard®

12. NASCAR® Credit Card from Credit One Bank®

11. Total Visa® Unsecured Credit Card

10. Applied Bank® Secured Visa® Gold Preferred® Credit Card

9. Surge Mastercard®

8. Fortiva® Mastercard® Credit Card

7. Milestone® Gold Mastercard®

6. Secured Chime Credit Builder Visa® Credit Card

5. First Progress Platinum Prestige Mastercard® Secured Credit Card

4. OpenSky® Secured Visa® Credit Card

3. Credit One Bank® Platinum Visa® for Rebuilding Credit

2. Capital One Secured Credit Card

1. Discover it® Secured Credit Card

Subscribe to Insider Monkey's Free Daily Newsletter and Join 80K+ Readers

Share

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

Published on May 16, 2026 at by Inan Dogan, PhD

Here’s why this is a deal you can’t afford to pass up:

Buy This $3 Stock Now Before the 400% Surge Begins

Published on May 15, 2026 at by Inan Dogan, PhD

Here’s why this is a deal you can’t afford to pass up: