Having a low credit score doesn’t mean you can’t get a credit card—it just means you need to choose the right one. Whether your credit took a hit or you're just starting out, there are credit cards designed to help you rebuild your credit over time .
Check Your Credit Score First
Before applying for a credit card, check your credit score for free to understand where you stand and which cards you’re likely to qualify for. Use free tools like Credit Karma or your bank’s app to see your score instantly, helping you make smarter and more informed credit card choices.
Look for Cards Designed for Bad or No Credit
Not all credit cards are out of reach. Some are designed for people with low credit scores, like secured cards that require a refundable deposit and help build credit, or credit builder cards with lower limits , higher rates but easier approval .
Final Thoughts
A low credit score isn’t the end—it’s the start of your comeback. With the right card and smart habits like paying on time and keeping balances low, you can rebuild your credit and unlock better financial opportunities. Choose wisely, use responsibly, and watch your credit improve steadily.