WalletHub
Best Mastercard for Bad Credit
WalletHub makes it easy to find the best Mastercard for bad credit.
There are many different Mastercard credit cards for bad credit, considering that Mastercard is one of the world’s largest and most widely accepted card networks. In other words, a significant portion of all the credit ca... show more
Here are the best Mastercards for bad credit:
- Rewards: Capital One Quicksilver Secured Cash Rewards Credit Card
- Partially-Secured Possible: Capital One Platinum Secured Credit Card
- Unsecured: Indigo® Mastercard® for Less than Perfect Credit
- Business: Business Advantage Unlimited Cash Rewards Secured credit card
COMPARE MASTERCARD FOR BAD CREDIT OFFERS
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- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- No annual or monthly fees
- Starting credit line of at least $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- One-time fees
- High regular APR
- Foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Available to people with limited credit
- High interest rate
- 0% regular APR
- Qualify with limited or no credit history
- High membership fees
- Foreign fee
What is the best Mastercard for bad credit?
The best Mastercard for bad credit depends on whether your top priority is credit improvement or getting an emergency loan. If you simply want to rebuild your credit, a secured credit card is the way to go. In particular, the Capital One Quicksilver Secured Cash Rewards Credit Card is a great option. But if you’re facing unexpected, unaffordable expenses, you’ll need an unsecured credit card for bad credit. And the Indigo® Mastercard® for Less than Perfect Credit is probably the best of the not-so-hot options in that category.
These picks are based on WalletHub’s review of 20+ Mastercard credit cards for people with bad credit. And there’s more where they came from. WalletHub’s editors also selected the top cards in a few other popular categories.
Here are the best Mastercards for bad credit:
| Best For… | Card Name | Annual Fee | Security Deposit | Card Network | Min. Credit Recommended |
| Rewards | Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) | $0 | $200 | Mastercard | Bad |
| Partially-Secured Possible | Capital One Platinum Secured Credit Card (see Rates & Fees) | $0 | $49, $99 or $200 | Mastercard | Bad |
| Unsecured | Indigo® Mastercard® for Less than Perfect Credit | $175 1st yr ($49 after) | N/A | Mastercard | Bad |
| Business | Business Advantage Unlimited Cash Rewards Secured credit card | $0 | $1000 | Mastercard | Bad |
To see if these offers are the cream of the bad-credit crop, we recommend comparing them to the best Visa cards for bad credit, at the very least. You can also see which offers made the final cut for 2025’s best credit cards for people with bad credit.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
Comparing mastercard for bad credit offers can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge 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 the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Important Disclosures
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Business Advantage Unlimited Cash Rewards Secured credit card.
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