If you have a low credit score, getting approved for a credit card can feel impossible. But the good news is — it’s not.

In 2026, many banks and financial institutions in the United States are offering credit cards specifically designed for people with bad or limited credit history. These cards help you rebuild your credit score while giving you access to essential financial tools.

In this complete guide, we will cover:

• Best credit cards for bad credit
• Secured vs unsecured credit cards
• How to improve your credit score fast
• How to increase approval chances
• Tips to maximize rewards

Let’s get started.

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What Is Considered Bad Credit?

In the United States, credit scores are usually calculated using the FICO model.

• 300–579 = Poor
• 580–669 = Fair
• 670–739 = Good
• 740+ = Very Good to Excellent

If your score is below 580, lenders consider it “bad credit.” But even with this score, approval is still possible.