You can get a credit card even if you have bad credit although you must keep in mind that it can be pretty basic. Here are some of the top credit cards you can choose from if you have bad credit.

1. First Progress Platinum Prestige Mastercard Secured Credit Card
This credit card is best known for its low rate of interest. It charges an annual fee of $49 but it makes up for it by ensuring you are not paying a high rate of interest. Generally, credit cards have a high rate of interest for people with bad credit. However, in this case, this is not true. In fact, it gives you an interest rate that is lower than the credit card interest rates for people who have excellent credit. It is possible to apply for this credit card without a hard credit inquiry too.

2. Capital One Secured Mastercard
Secured cards require that you deposit a certain amount. This is usually the same as your credit line and you are required to pay this upfront. However, with this credit card, you can deposit $49 and still get a $200 credit limit. You are given the freedom to make the deposits in installments too. In six months or so you can be given a better credit limit even if you don’t deposit extra. This is best for people who are looking for low deposit credit cards.

3. OpenSky Secured Visa Credit Card
OpenSky Secured Visa Credit Card is best for those who don’t have access to banking services and those who are unable to build their credit. You can deposit through money order, debit card, or check. It charges an annual fee of $35. The best thing about this credit card is that a credit check is not required. This is not the case in most of the secured cards. OpenSky’s credit card requires you to meet the income standard but even if you have a credit that is the worst, then you can qualify.

4. Discover it Secured
This is the best if you want rewards and it is great for upgrades too. You are not required to pay an annual fee and it is best for those with a poor credit score. Discover is accepted all over the nation. The best part about this credit card is that it gives you rewards. For example, if you spend $1000 in a quarter on gas and at restaurants then you are eligible for 2% cashback. Else, if you spend it elsewhere you get 1% cashback. Discover reviews the account after 8 months and you can then get shifted to an unsecured credit card.

5. First Progress Platinum Elite Mastercard Secured Credit Card
This credit card is excellent for those who are looking for low-cost credit cards from First Progress. Moreover, there is no hard inquiry involved which can give you some relief. Generally, the people who have a low credit score will benefit from not having a hard inquiry as it shows on the credit score. Another benefit of the First Progress Platinum Elite Mastercard Secured credit card is that it provides a good interest rate which is better than a lot of other credit cards for people with a low credit score.