Many people believe that you need a good credit score to get a credit card, but that’s not true. Even if you have bad credit or no credit history at all, there are several credit card options designed for you. This article explains how to apply for a credit card when your credit score is low and how to rebuild credit effectively.
Applying for a credit card with bad or no credit in the USA may seem difficult, but there are several options available to help you build or rebuild your credit score. The best place to start is with secured credit cards, which require a small refundable security deposit. This deposit becomes your credit limit, and by making regular on-time payments, your credit score will begin to improve.
Another helpful option is credit builder cards, which are designed specifically for people with limited or damaged credit history. These cards usually have lower limits but report your payment activity to the major credit bureaus, which helps establish a positive credit record over time.
If you do not qualify for these cards, you may consider applying for a store credit card, as they generally have easier approval requirements. However, it’s important to use these cards responsibly and maintain low balances.
Before applying, always check your credit score using free tools like Credit Karma or Experian. Once you have your card, make sure to pay bills on time, avoid high balances, and keep credit usage below 30%. With consistent responsible use, your credit score can improve within just a few months.
Understanding Credit Score and Why It Matters
A credit score is a number between 300 and 850 that represents how trustworthy you are with credit. Lenders use it to decide whether to approve your credit card application.
Credit Score Categories
| Score | Rating | Meaning |
|---|---|---|
| 300–579 | Poor | High-risk borrower |
| 580–669 | Fair | Needs improvement |
| 670–739 | Good | Low-risk borrower |
| 740–850 | Excellent | Best approval chances |
If your credit score is poor, don’t panic you can still apply for certain types of cards.
Best Credit Cards for Bad or No Credit
1. Secured Credit Cards
Best option for rebuilding credit.
- Requires a security deposit (usually $200–$500)
- Works like a regular credit card
- Your payment activity is reported to credit bureaus
Popular Options:
- Discover It® Secured
- Capital One Secured Mastercard
- Bank of America® Secured
2. Credit Builder Cards
These cards are specifically made for credit improvement.
- Low credit limit
- Fixed payment plans
- Guaranteed approval in many cases
Popular Option:
- Self Credit Builder Visa®
3. Store Credit Cards
- Easy approval
- Limited usage (store-specific)
- Helps build payment history
Examples:
- Amazon Store Card
- Walmart Credit Card
How to Apply Successfully
1. Check Your Credit Score First
Use free tools:
- Credit Karma
- Experian Free Score
- WalletHub
2. Choose a Card Designed for Low Credit
Don’t apply for cards that require good credit — it will cause rejection and lower your score.
3. Prepare Required Documents
- SSN or ITIN
- Income proof
- Residential address
- Employment information
4. Apply Online
Most issuers offer instant approval.
How to Rebuild Credit Fast
- Always pay your monthly bill on time
- Pay more than the minimum payment when possible
- Keep your credit utilization below 30%
- Do not close old credit accounts
- Increase card limit after 6–12 months of positive usage
Conclusion
Even with bad or no credit, you can apply for a credit card in the USA. Start with a secured or credit-builder card, pay your bills consistently, and your score will improve. Within one year, you can qualify for cash rewards, travel cards, and low APR credit cards.
