If you’re stuck with a bad credit score, you’re probably already feeling the weight—denied loans, high interest rates, and limited financial options. But there’s good news: credit cards to build credit with bad credit exist, and when used properly, they can help you get back on track.
In this comprehensive guide, we’ll walk you through:
What “bad credit” really means
How the right credit card can help rebuild your credit
The best types of credit cards for poor credit
Smart strategies to improve your credit score
How Mountain Debt Relief can help clear the path for rebuilding faster
Let’s get into it.
What Is Considered “Bad Credit”?
A credit score below 580 is considered poor according to FICO standards. You may be in this range if you’ve experienced:
Late or missed payments
High credit card balances
Charge-offs or collections
Bankruptcy
Foreclosure
Bad credit doesn’t define your financial future—it just reflects your past. And the right tools, like a credit-building card, can make a significant difference in your comeback journey.
Can You Get a Credit Card With Bad Credit?
Yes, you can. While mainstream credit cards may deny you, many issuers offer specialized cards designed for people with poor or limited credit history.
These cards are geared to help you build or rebuild credit, and with consistent use, they can contribute to a better credit profile over time.
But not all credit cards are created equal—some are better suited to help you build credit faster and with fewer fees. Let’s explore them.
Best Types of Credit Cards to Build Credit With Bad Credit
1. Secured Credit Cards
A secured credit card requires a refundable deposit, typically equal to your credit limit. They are easier to get approved for because the deposit reduces the risk for the lender.
🟢 Why it’s good:
High approval rates
Reports to all 3 credit bureaus
Sets healthy credit habits
🟡 Example: You deposit $300 and get a $300 limit. Use it wisely and pay off balances, and over time, your credit score improves.
2. Unsecured Credit Cards for Poor Credit
These cards don’t require a deposit, but they often come with higher interest rates and fees. Still, they are a solid option if you can qualify.
🟢 Why it’s good:
No deposit needed
Helps establish or rebuild credit history
🔴 Be cautious:
Look out for cards with extremely high annual fees or “processing” fees that eat into your available credit.
3. Store Credit Cards
Some retail stores offer credit cards with more lenient approval requirements. They’re typically easier to get and can help build credit, but they can only be used in specific stores.
🟢 Best for:
People new to credit or looking for a first step toward rebuilding
🔴 Limitations:
High interest rates and limited usability outside of the issuing store
4. Credit Builder Cards or Loans
These cards are specifically designed for people rebuilding their credit. Some fintech companies also offer hybrid products that combine a secured card with savings-building features.
🟢 Why it works:
Designed for education + credit score improvement
Often comes with tools and dashboards to track progress
How to Use These Cards Effectively to Rebuild Credit
Getting the card is just the first step. Using it wisely is what leads to long-term credit improvement.
✅ 1. Always Pay On Time
Payment history is 35% of your credit score. Set up autopay or reminders so you never miss a due date.
✅ 2. Keep Your Utilization Low
Don’t max out your card. Use less than 30% of your credit limit. The lower, the better. If your card limit is $500, try not to exceed $150.
✅ 3. Keep the Card Active
Even if you don’t use it much, keep the card open and active with occasional small purchases. Length of credit history is another important factor in your score.
✅ 4. Don’t Apply for Too Many Cards at Once
Each new application triggers a hard inquiry. Too many inquiries in a short period can hurt your score.
Real Results: Rebuilding After Bad Credit
Meet Angela:
Angela had a credit score of 510 after going through a tough divorce and struggling with debt. She turned to Mountain Debt Relief to settle over $12,000 in outstanding credit card balances. Once she completed her settlement program, she opened a secured credit card with a $300 deposit.
By making small purchases, paying off the balance every month, and staying disciplined, her score climbed to 675 in just over a year. Today, she’s approved for a traditional credit card and working toward buying her first home.
Why You Should Combine Credit Cards with Mountain Debt Relief
Using a credit card to build credit works best after you’ve addressed the source of your financial stress. If you’re drowning in collections, late fees, or overwhelming minimum payments, you need to address the debt first.
That’s where Mountain Debt Relief comes in.
What Mountain Debt Relief Does:
Negotiates your existing debt down to a manageable amount
Settles with creditors to help you avoid bankruptcy
Creates a single, affordable monthly payment
Helps you avoid legal threats and collection calls
Paves the way for credit rebuilding
👉 Explore Credit Relief Options Now
Best Practices to Rebuild Credit Fast
Once you’re free from crushing debt and have a new credit card in hand, follow this checklist to rebuild credit efficiently:
✅ Dispute any errors on your credit reports
✅ Monitor your credit monthly
✅ Pay more than the minimum if you carry a balance
✅ Avoid closing old credit cards if possible
✅ Don’t co-sign loans or take on new debt too soon
✅ Use credit-building tools (secured loans, rent reporting, etc.)
Frequently Asked Questions
Q: Can I build credit with a credit card even if I have a 500 score?
Yes! Secured credit cards are ideal for scores as low as 500. Responsible usage can help raise your score over time.
Q: How long does it take to see results?
Most people see score improvements within 3 to 6 months of consistent, on-time payments and low utilization.
Q: Will opening a credit card lower my score?
There might be a slight dip due to the inquiry, but over time, the benefits of positive credit behavior will outweigh it.
Final Thoughts: Start Rebuilding Today
Finding the right credit cards to build credit with bad credit is one of the most effective ways to regain control of your financial future. But if you’re still struggling with overwhelming balances, take care of that first—don’t build on a shaky foundation.
By working with Mountain Debt Relief, you can eliminate the burden of high-interest debt and start fresh. Then, with a secured or unsecured credit card designed for rebuilding, you can rise above your credit setbacks and move toward financial stability.
Ready to Start Rebuilding?
💳 See the Best Credit Cards to Build Credit Now
💡 Explore Money-Saving Offers and Tools
📞 Schedule Your Free Debt Relief Assessment Today!
You’ve got the tools. Now it’s time to take action.
