William Memphis, WalletHub Credit Card Analyst
@bill.memp1
The best credit card for a 560 credit score is the opensky Plus Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The opensky Plus Credit Card also reports to the credit bureaus on a monthly basis. You’ll have to put down an initial deposit of at least $300 to open the account, but that’s fully refundable.
Best Credit Cards for a 560 Credit Score
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn More
- Custom Rewards: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- Custom Rewards: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn Moreon issuer's website
- Custom Rewards: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- No Bank Account Needed: First Progress Select Secured Mastercard®Learn MoreLearn Moreon issuer's website
- No Bank Account Needed: First Progress Select Secured Mastercard®Learn MoreLearn Moreon issuer's website
- No Bank Account Needed: First Progress Select Secured Mastercard®Learn MoreLearn More
- No Credit Check: opensky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- No Credit Check: opensky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- No Credit Check: opensky® Secured Visa® Credit CardLearn MoreLearn More
- Rewards on Payments: First Progress Prestige Secured Mastercard®Learn MoreLearn Moreon issuer's website
- Rewards on Payments: First Progress Prestige Secured Mastercard®Learn MoreLearn Moreon issuer's website
- Rewards on Payments: First Progress Prestige Secured Mastercard®Learn MoreLearn More
- Best Overall:
- Custom Rewards:
- No Bank Account Needed:
- No Credit Check:
- Rewards on Payments:
A 560 credit score is considered bad credit. It indicates you’ve had past credit difficulties, which makes lenders see you as a potential risk. That’s why the best credit cards for a 560 credit score are usually secured credit cards. They’re easier to get and much less expensive than unsecured credit cards for bad credit.
To improve your credit score, you should get a secured credit card with no annual fee and use it responsibly to improve your credit score. You can compare the best secured credit card offers currently available on WalletHub, as well as track your credit score for free.
Keep in mind that the credit score we present is only a recommendation, and the issuer might use a different score. Other factors are also considered when the issuer decides whether you are approved.
Popular Credit Cards for Bad Credit from Our Partners
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No Deposit
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No Credit Check
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Rewards
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Partially Secured
Emma Rodriguez, Member
@emmarod
Any secured card with rewards and no annual fee will do. Discover/Cap1/US Bank have good ones.
Hannah Gray, Member
@hannah_gray_att
At 560, you’re in secured-card territory. Discover it® Secured is the gold standard (no fee + bonus cashback + graduation potential), so I’d go with that if I were you.
But any secured card with rewards and no fee would work just fine…
William NN, Member
@w_nguyen
I think Discover’s first-year rewards match gives it the edge over the others.
Audrey HH, Member
@audrey_h_gc
I’ve been happy with Discover’s secured card, for whatever that’s worth.
People also ask
What is the easiest credit card to get if you have bad credit?
The easiest type of credit card you can get with bad credit is a secured credit card with no credit check. For example, the opensky Plus Credit Card is very easy to get no matter how low your credit score is because the issuer does not check your credit history when you apply.
6 Easiest Credit Cards to Get with Bad Credit
- opensky® Plus Secured Visa® Credit Card
- First Progress Prestige Secured Mastercard®
- Bank of America® Unlimited Cash Rewards Secured Credit Card
- Bank of America® Travel Rewards Secured Credit Card
- OneMain Financial BrightWay® Card
- Merrick Bank Credit Card
If you’re looking for an unsecured credit card for bad credit, one of the easiest to get is the OneMain Financial BrightWay® Card. This card gives you 1% cash back on all purchases, and it has an annual...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the minimum credit score for a credit card?
The minimum credit score for most credit cards is 640-700+, but you can get some cards with bad credit or no credit score at all. Some credit card companies won’t even check your credit history when you apply, making it easy to get approved as long as you have enough income to afford the monthly bill payments.
But there is a difference between getting approved for a credit card in general and getting one...
read full answer by WalletHub, Financial CompanyHow can I get a credit card with bad credit?
You can get a credit card with bad credit by applying for a secured credit card or an unsecured credit card for bad credit. Secured cards have lenient credit score requirements, making them accessible even if you have bad credit. But you will have to place a refundable security deposit that will serve as your credit limit.
Some secured credit cards don’t even check an applicant’s credit history, which means there’s no hard pull to hurt your credit score further. Plus, past...
read full answer by John S Kiernan, Managing EditorDid we answer your question?
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