What credit cards can I get with bad credit that have no annual fees?

This question is about Credit Cards

Mark Towers, Retired CFP

@MarkTowers 11/14/19 First posted on 10/29/19
Last reviewed on 11/14/19

The best no-annual-fee credit card for bad credit is the Discover it Secured, because it has a $0 annual fee, rewards you with 1% - 2% cash back on purchases, doubles the rewards you’ve earned after the first year, and doesn’t require a minimum credit score. The Discover it Secured Card’s main approval requirements are being 18+ years old and having enough income to afford monthly bill payments, plus the refundable security deposit of $200 or more.

The rest of the best no-annual-fee credit cards for bad credit scores are the Capital One Secured Card (could be just partially secured), and the Harley-Davidson Secured Card.

2020's Best Credit Cards

Compare Cards

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s alone. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.