[vc_row][vc_column][vc_column_text]The good news for people with bad credit is that they can get a credit card with bad credit, although it won’t be accompanied with all the rewards that accompany other cards. It will be a basic card. The idea motive behind this is to use it and rebuild your credit, before moving on to a better product.
Most people think the best credit cards for people with bad credit are secured card and this is right. These cards providea security deposit that protects the person who issued it in case you do not pay. You can get your deposit back when you close or upgrade the account. This depositlowers the risk, which makes the secured cards one of the easiest cards to get. You still need to provide evidence that you have income, and having bankruptcies or other serious problems on your credit report can stop you from getting it. Although approval is not guaranteed in this type of card.
People with bad credit can also go for unsecured cards, which do not requirethem to make a deposit but they will  to charge you high fees that, over time, will add up to more than what you are meant to deposit on a secured card. Store credit cards havehigh interest rates and low credit limits and high interest rates, and are easier to get so proceed with caution.
Below are a list of the best credit cards for bad credit.
Capital one
You are required to make a deposit equal to your credit line by most of the secured cards, and you have to paythe whole deposit upfront, but with the Capital OneSecured Mastercard, you can get a credit limit of $200 for a deposit of about $49, $99 or $200 and You can also be allowed to make your deposit in installments. You may be eligible for a higher credit line without being asked to deposit additional money if you make your first five payments on time.
However, as good as this may seem, peoplewho have severely damaged credit, like bankruptcy on their credit report, may not qualify for it and you must have a savings account or checking account before you can apply.
Open Card secured Visa credit card
TheOpenSky® Secured Visa® Credit Card, unlike other secured cards, do not require a credit check, so people who have badly damaged credit may qualify although you will still be required to meet other income standards.  Also you don’t need a bank account, and this differentiates this card from the others. It allows youmakeyour deposit and pay your bill using wire transfer, debit card, check or money order. However, the card charges an annual fee and you can not upgrade to an unsecured card.
Discover it secured
The Discover itSecured card is one of the best credit card available for people who have bad credit. You are not required to pay an annual fee Not and it also gives rewards of 2% cash back when you spend up to $1,000 per quarter on restaurants and gas, and about 1% on others. You can be allowed to upgrade to an unsecured card if you maintain a good record for eight months. However, the initial deposit must be paid using a bank account, therefore if you do not have access to traditional banks, you may not be approved.
DCU visa Platinumsecured credit card
Their APR is cheaper than what is obtainable in other Secured and unsecured cards. They do not charge annual feeand there are cash advance or balance transfer fees. Just like in other secured cards, you have to make a security deposit which is equal to your credit limit.You must be a member of Digital Federal Credit Union before you can apply for this and there are a number of ways to become a member.
Green Dot Primor Visa Gold secured Credit card
The Green Dot primor® Visa® Gold Secured Credit Card, unlike the other credit cards for people who have bad credit, offers a lower rate. Their rates are also lower than what you will find on a lot of products for people who have good credit. You won’t be charged any penalty for making a late payment and the cards can allow for credit line as big as $5000 if you want to make cash deposit.
They charge an annual fee of $49 which is high for secured cards.
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