There are plenty of credit cards for bad credit that send pre-approved offers or provide an online pre-qualification tool. You can learn more about the best options in the most popular categories below.
Best Pre-Approved Credit Cards for Bad Credit Compared
|Credit Card||Best For||Credit Score||Pre-Qualification|
|Credit One Bank® Platinum Visa® for Rebuilding Credit||Unsecured||$75 intro 1st yr, $99 after||Check online|
|Aspire® Credit Card||Cash Back||$85-$175 1st yr, $29-$49 after||Check online|
|Indigo® Mastercard® for Less than Perfect Credit||No Monthly Fee||$0 - $99||Check online|
|Milestone® Mastercard® - Less Than Perfect Credit Considered||Low Fees||$35 - $99*||Check online|
|Fortiva® Cash Back Reward Card||Honorable Mention||$85 - $175 1st yr, $29 - $49 after||Check online|
The issuers of these cards also mail pre-approved offers to eligible applicants. If you receive a pre-approved offer and apply using the code provided in the mailing, your odds of approval will be very high.
In addition, it’s important to point out that even though you cannot pre-qualify for most secured credit cards, you should still be able to get approved no matter how damaged your credit may be. In fact, several secured cards won’t even check your credit when you apply, so there’s no hard pull and no temporary credit score damage. There’s really no point in offering pre-qualification when the approval requirements are so low.
Methodology for Selecting the Best Pre-Approved Credit Cards for Bad Credit
To identify the best pre-approved credit cards for bad credit, WalletHub’s editors compare all of the credit cards available to people with bad credit from our database of 1,500+ offers.
After filtering out cards for which consumers cannot check their pre-qualification status online as well as that don’t regularly send pre-approved offers to consumers, we compared the remaining offers based on fees, rewards, interest rates, security-deposit requirements, and approval requirements. We then selected the options that project to save consumers the most money.