What are the best free credit cards for bad credit? This question is about Best Free Credit Cards

One of the best free credit cards for bad credit is the U.S. Bank Cash+® Visa® Secured Card because it accepts applicants with a credit score as low as 300 and comes with a $0 annual fee. The U.S. Bank Cash+® Visa® Secured Card doesn’t have any monthly or one-time fees, either. Plus, it offers 1 - 5% cash back on purchases. If you pay your bill in full each month (thereby avoiding interest), you could make purchases, earn rewards, and build credit at no additional cost. Because the card is secured, you’ll have to put down an initial deposit of at least $300. But U.S. Bank will return your deposit if you close the account with a $0 balance. Or, if you consistently pay your credit card bills on time and keep your balance well below the credit limit, you may eventually graduate to an unsecured version of the card and get the deposit back. Some of the Best Free Credit Cards for Bad Credit Best Overall: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn MoreFlat Rewards Rate: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn MorePartially-Secured: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn MoreOnline Shopping: Amazon.com Secured Credit CardAmazon.com Secured Credit CardLearn MoreLearn More The best free credit cards for bad credit are usually secured credit cards. Just note that secured cards usually require at least a couple hundred expendable dollars. But these cards can still be a lot cheaper in the long run. Especially when you compare them to unsecured credit cards for damaged credit, which usually do charge fees. You can compare more no-fee credit card offers based on your credit score on WalletHub.

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What are the best free credit cards for bad credit?

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Bianca Smith, WalletHub Credit Cards Analyst

@bianca_stoian • 04/28/23 This answer was first published on 02/25/22 and it was last updated on 04/28/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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One of the best free credit cards for bad credit is the U.S. Bank Cash+® Visa® Secured Card because it accepts applicants with a credit score as low as 300 and comes with a $0 annual fee. The U.S. Bank Cash+® Visa® Secured Card doesn’t have any monthly or one-time fees, either. Plus, it offers 1 - 5% cash back on purchases.

If you pay your bill in full each month (thereby avoiding interest), you could make purchases, earn rewards, and build credit at no additional cost. Because the card is secured, you’ll have to put down an initial deposit of at least $300. But U.S. Bank will return your deposit if you close the account with a $0 balance. Or, if you consistently pay your credit card bills on time and keep your balance well below the credit limit, you may eventually graduate to an unsecured version of the card and get the deposit back.

Some of the Best Free Credit Cards for Bad Credit

Best Overall: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
Flat Rewards Rate: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Partially-Secured: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn More
Online Shopping: Amazon.com Secured Credit CardAmazon.com Secured Credit CardLearn MoreLearn More

The best free credit cards for bad credit are usually secured credit cards. Just note that secured cards usually require at least a couple hundred expendable dollars. But these cards can still be a lot cheaper in the long run. Especially when you compare them to unsecured credit cards for damaged credit, which usually do charge fees. You can compare more no-fee credit card offers based on your credit score on WalletHub.

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Can I get an unsecured credit card with a 500 credit score?

Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card.

The Credit One Visa offers a $300 starting credit limit, the potential for automatic credit line increases, and an annual fee of $75 intro 1st yr, $99 after. Cardholders earn rewards on select purchases, too.

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What credit card can I get with a score of 560?

One of the best credit cards you can get with a score of 560 is the Bank of America® Unlimited Cash Rewards Secured Credit Card. This card has a $0 annual fee and rewards cardholders with 1.5% cash back on all purchases.

Keep in mind that a 560 credit score is classified as "bad" on the standard 300 - 850 scale. Having said that, there are several more credit cards for bad credit you can get.

Best Credit Cards for 560 Credit Score

Rewards Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
No Credit Check OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
No Deposit Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
No Annual Fee Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More

If you use a card responsibly over...

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How do I get a credit card with no credit?

To get a credit card with no credit, apply online for a starter credit card, student credit card, or other type of credit card for people with limited credit history. By choosing a card designed for people with no credit, newcomers who are at least 18 years old with enough income to afford monthly bill payments will have good approval odds. You don’t need a credit history to get credit. But you do need to demonstrate the ability to repay future balances.

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