5 Credit Cards to Help Boost Bad Credit

Credit cards have several advantages that make them worthwhile. You can use them to build credit and help manage cash flow. Depending on what you are able to get, they can also be useful with perks like airline miles, resort programs, and special discounts on certain items. If you have poor credit, banks may hesitate to give you another loan immediately. Here are the top U.S. credit cards for those with bad credit:

1. DCU Visa Platinum Secured Credit Card

For those with bad credit, this card may be the answer. It comes with a low minimum payment, a 0% introductory APR for 12 months, and a $0 annual fee. This card rewards you for using it by offering special airline miles and other perks. You can earn 4 points for every dollar spent on travel-related purchases and 2 points on all other purchases.

2. nRewards Secured Credit Card

The nRewards Secured Credit Card is one of the best-secured credit cards you can get, especially if you have bad credit. It offers a 0% introductory APR on purchases and balance transfers for 12 months, then it will change to a variable APR of 14.99%-24.99% depending on your creditworthiness. The card also comes with a competitive rewards program where you earn points for every dollar you spend on all purchases, which can be redeemed for cash back at the end of each month in the form of a statement credit or statement reward. The card also comes with free identity protection services, free fraud protection services, and free extended warranty protection on all purchases made with this card.

3. Discover It Secured Credit Card

For the security of your finances, you are required to pay an annual and monthly fee. Payment options include a secured line of credit and a credit line. The credit line can be used for purchases, cash advances, and balance transfers. The Discover It Secured Credit Card has features that make it easy to manage your budget while still getting the benefits of using credit. You can use your card to build or rebuild your credit by making timely payments each month. You can also use the card to make purchases in stores with no interest charges if you pay in full before the due date.

4. Capital One Platinum Credit Card

If you don’t have good credit and want to get a credit card, this might be the one you. It has no annual fee or limit on how much you can spend. You can also use it anywhere MasterCard is accepted. The card has a travel insurance policy covering trip cancellation and interruption. The Platinum Card has an additional perk for those who spend over $15,000 in a year: It comes with a $200 cash-back reward after you make at least 20 purchases per billing cycle.

5. BankAmericard Secured Credit Card

This card has no annual fee and comes with a low APR. The interest rate can be as high as 29.99%. You will also get a cash advance on your credit card. This card is meant for consumers with minimal or bad credit who want a secured credit card with low fees and lower interest rates. It is best suited for individuals with little or no credit history and students who need to pay back their loans.

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