Secured cards are your best path to building credit. We found 2 cards that match your credit profile.
Having poor credit is challenging but not permanent. Secured credit cards are specifically designed to help people in this situation rebuild their credit scores. These cards require a security deposit that typically equals your credit line, but the deposit is refundable once you demonstrate responsible use.
Start with the Capital One Platinum Secured (deposit as low as $49) or Discover it Secured (earn cash back while you build). Make small purchases each month, pay the balance in full, and never miss a due date. Payment history is the single most important factor in your credit score at 35%.
Avoid predatory cards that charge excessive fees. Legitimate secured cards have no annual fee or a small one. Stay away from cards that charge application fees, processing fees, or monthly maintenance fees, as these eat into your deposit and provide no benefit. Within 6-12 months of responsible secured card use, you should see meaningful score improvement.