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If you have a low credit score, you can take a good amount of time to get a credit card since some bad credit scores will help you manage your finances. Here are some of the top credit cards for bad credit, representing the better balance between benefits and costs for those seeking credit cards. Credit cards can be unsecured, secured, business, store, or prepaid cards. 

  1. Surge Mastercard 

This is an unsecured credit card that doesn’t need any collateral to get the card. Any credit type is eligible, and the card gives initial credit limits of up to $1000, which will increase to $2000 after making the first six monthly payments. In addition, the card offers $0 fraud liability protection. 

  1. Reflex MasterCard 

This unsecured credit card offers an APR of 24.99%-29.99% with a generous credit limit of $300 to $1000 for those looking to rebuild their credit. In addition, you can check if you are prequalified without impacting your credit score.

  1. Milestone MasterCard

With this card, you can qualify with a less-than-perfect credit score. Unlike other cards, Milestone MasterCard doesn’t charge a monthly or one-time fee but will be charged annually based on your creditworthiness. In addition, for the first year, the card waives the cash advance fee in the first year.

  1. Capital One Quicksilver Secure Cash Rewards Credit Card 

This secured credit card has no hidden or annual fees, and you can earn 1.5% cash back on every purchase. You will need to put down a security deposit of $200 which is refundable, to qualify for a credit line of $200. The card can help you build your credit line and enjoy $0 fraud liability. 

  1. Capital One Platinum Secured Credit Card

This is another credit card that will help you rebuild your credit. You will get approved within seconds, and no hidden or annual fees are charged. However, you may need to pay a refundable $49 as a security deposit to qualify for a $0 credit line. You earn back the security deposit as a statement credit with this card.