There isn’t a Barclaycard for bad credit. All Barclaycards require at least good credit, and some require excellent credit. So if your credit score is below 700, Barclaycards won’t be easy to get. And bad credit is anything under 640, well below the Barclaycard range.
But Barclaycard isn’t the only issuer out there, and several others have secured cards for people who are rebuilding their credit. Secured cards are easier for people with bad credit to get because they require a security deposit. The deposit serves as your credit limit, and as collateral if you default. If you pay off your balance and close your account, you’ll get your deposit back. Some of the best options even offer rewards.
Alternatives to a Barclaycard for bad credit:
Discover it Secured Credit Card: No annual fee. 2% cash back on $1,000 in gas and restaurant spending each quarter. Discover matches all your cash back on your 1st anniversary. Security deposit between $200 and $2,500. Your credit line is the same as your deposit.
Capital One Secured Credit Card: No annual fee or rewards. Minimum deposit of $49, $99 or $200, depending on your creditworthiness. Your credit line is $200, plus anything you add over your minimum security deposit.
Open Sky Secured Credit Card: $35 annual fee. No rewards. No credit check when you apply. Minimum deposit is $200. Your deposit serves as your credit limit.
The best alternative to a Barclaycard for bad credit is a secured card from another major issuer. If you pay your bills on time and avoid maxing out your credit limit, you’ll start seeing your credit score go up.
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