Bad Credit? These Are The Best Credit Cards For You

Photographed by Rockie Nolan.
Ah, the dreaded low credit score. The nemesis of financial adulthood. That elusive, pesky thing you ignored for so many years, until it finally caught up with you. Or, if you're like me, until some kind soul was like, "Wait what do you mean you're about to turn 30?!" and finally explained what a credit score even is. (Thanks, uncle James.) Regardless of your credit score's sordid history, if you're currently looking at a low one, you're likely wondering things such as how did I get here? and also how do I get out?

We have a few ideas. And one of them is swapping out your current credit card(s) for an option that will best fit your score. Luckily, WalletHub has done the shopping around for you; it offers a tool that helps you find the best card for your credit score — the good, the bad, and the "limited." Read ahead for your best bets for bad credit.
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CapitalOne Secured MasterCard

Minimum Deposit:
$49, $99, or $200
Annual Fee: $0
Monthly Fee: $0

Why? It's your best bet for a partially-secured card. This means that, unlike with a prepaid card, your credit line can be greater than your security deposit — which gives you some leeway in case of emergency. Plus, "the more credit you have available, the faster your credit standing will improve," explains WalletHub.

Bonus: CapitalOne offers 24/7 account management access — and an app!
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OpenSky Secured Visa Credit Card

Minimum Deposit:
$200
Annual Fee: $35
Monthly Fee: $0

Why?
Three words: No credit check required. This credit card, like a certain song that is turning 20 this year, doesn't care who you are, where you're from, or what you did, as long as you...are committed to rebuilding your credit.

Bonus: No checking account is needed, either — and you can apply in less than five minutes.
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DiscoverIt Secured Credit Card

Minimum Deposit:
$200
Annual Fee: $0
Monthly Fee: $0

Why?
Rewards! Just because you have bad credit doesn't mean you have to miss out on the fun of credit card rewards — you can even use them instantly at your Amazon.com checkout. You'll be using all these rewards as motivation to make your monthly payments on time and increase your credit score, right?

Bonus: You'll also get 2% cash back on the first $1K you spend on restaurants and gas each quarter.
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CreditOne Bank Platinum Visa

Annual Fee: $0-99
Monthly Fee: $0

Why? This is not a secured card, so it should really be a last resort if you need an emergency loan. But the annual fee isn't crazy, and the payment date is flexible — so you're less likely to miss the deadline. Still, aim for a secured card if you have bad credit, since unsecured often have "prohibitive costs and low credit lines," WalletHub explains.

Bonus:
You'll also get 1% cash back on groceries and gas purchases.
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