Discover top credit cards tailored for individuals with poor credit scores. These options are designed to help rebuild credit responsibly, offering low fees, cashback rewards, and flexible eligibility. By managing these cards wisely, you can improve your credit score and access better financial opportunities in just a few months.

Top Credit Card Options for Rebuilding Credit

A poor credit score, typically below 580 as per FICO, ranges from 300 to 850. Scores over 700 are considered good or excellent. A low score can result in higher interest rates and limited access to prime financial products.

Using a credit card responsibly is one of the most effective ways to improve your credit standing. Choosing the right card and managing it properly can lead to noticeable improvement within a few months.

Here are some recommended credit cards suitable for individuals looking to rebuild their credit:

Credit One Bank Visa

This unsecured card requires no deposit, unlike others needing at least $200. It offers 1% cashback on groceries, fuel, and internet bills, with an initial credit limit of $300 that can increase with responsible use.

Indigo Platinum Mastercard

This card is suitable for those with a history of bankruptcy. It waives cash advance fees in the first year and charges up to 5% of the transaction amount afterward (max $5). It helps rebuild credit affordably.

Milestone Gold Mastercard

Accessible even after bankruptcy, with a pre-qualification tool to check eligibility first. It charges a 1% foreign transaction fee, but late payments may incur a high 29.9% APR.

Discover It Secured

Provides 2% cashback on fuel and dining on up to $1,000 quarterly, and 1% on other purchases. Cashback doubles in the first year. No annual fee or late payment penalties. Requires a $200 deposit.

Capital One Secured Mastercard

Great for beginners, with no annual fee or penalty APR. No foreign transaction fee, and a minimum $49 deposit can boost your credit limit when payments are made on time.

These options are designed to help you rebuild and strengthen your credit profile efficiently.