Best Credit Cards for Bad Credit in 2026

A low credit score does not mean you cannot get a credit card. These cards are designed for people rebuilding credit, with low requirements and paths to better scores.

How We Rank

Cards are scored using category-specific metrics - not just the generic reward rate. Each card earns points for relevant category rewards, perks, signup bonuses, fees, and benefits that matter most for this use case. Cards from any issuer or category can qualify if they score well.

#1

Capital One Quicksilver Cash Rewards

by Capital One

Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Why it's #1

  • Available with fair credit
  • No annual fee
  • 1.5% rewards rate
  • $200 signup bonus*
Annual FeeNone
Base Rate1.5%
Signup Bonus$200 bonus after $500 in 3 months
Credit Score640-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#2

Discover it Student Cash Back

by Discover

Discover it Student Cash Back is a student card from Discover with no annual fee, cashback match - all cash back earned in first year is doubled, plus $20/year good grade reward, and fair credit.

Why it's #2

  • Available with poor credit
  • No annual fee
  • 1.0% rewards rate
Annual FeeNone
Base Rate1.0%
Signup BonusCashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward
Credit Score580-700
Regular APR16.49% - 25.49%
Apply Now →Full Review →