Credit Cards (US)
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The best credit cards for low credit score!!
Are you looking for the perfect card for you?
Applying for a credit card with a low credit score can offer several benefits. Firstly, it’s a valuable tool for rebuilding your credit. Consistently making on-time payments can gradually improve your credit score.
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It also offers convenience for online shopping and reservations, making daily transactions easier. Responsibly managing a credit card can help you establish a positive credit history in the end.
Why have we selected these cards?
Numerous credit cards cater to individuals with low credit scores; however, some impose exorbitant fees or usage restrictions. Our emphasis is on credit cards that facilitate credit improvement without burdening your finances.
Specifically, we seek cards with minimal or waived annual fees and those that provide limitless rewards, along with the capacity to effortlessly build your credit history.
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Credit Cards with higher chances of approval
Acquiring credit cards for low credit scores is relatively straightforward. However, once in possession, it’s essential to proactively build your credit history.
Ensure timely monthly payments and contemplate paying the entire balance to sidestep interest charges.
Additionally, strive to maintain a low balance to uphold a favorable credit utilization ratio. This can be achieved by using the card sparingly or making multiple payments throughout the month.
Platinum Mastercard® from Capital One
The Platinum Mastercard® by Capital One earns its place on this list primarily due to its ability to assist in credit repair while maintaining a $0 annual fee, making it a dependable choice for those with low credit scores.
This card, though unadorned with reward programs or membership bonuses, prioritizes building creditworthiness. Your investment in credibility today promises brighter financial prospects tomorrow.
As a reward for consistently making on-time payments for the initial six months, the card may offer an expanded credit limit.
This higher limit can be instrumental in improving your credit utilization rate, where a lower rate equates to a better credit profile.
Deserve® EDU Mastercard for Students
An ideal choice for individuals with low credit scores, especially tailored for students, this card doesn’t mandate a credit history and welcomes international student applicants.
Eligible users can capitalize on a special offer: spending $500 within the first three billing cycles grants one year of free Amazon Prime Student membership, translating to a 1% cashback for each purchase.
With a $0 annual fee and the benefit of no foreign transaction fees, it’s an excellent pick for students planning to study abroad or return to their home country.
Discover it® Secured Credit Card
The Discover it® Secured Credit Card stands out as an excellent choice for those with low credit scores, boasting two compelling advantages. Firstly, it aids in credit repair through responsible usage.
Secondly, it offers rewards on purchases, allowing you to both enhance your score and earn rewards simultaneously.
Specifically, the Discover it® Secured Credit Card provides a 2% cashback reward at gas stations and restaurants every quarter, up to a maximum of $1,000 in quarterly spending (after reaching the quarterly limit, 1% applies).
Moreover, you’ll receive a 1% cashback reward on all other purchases. Notably, Discover’s Cashback Match feature matches all cashback earned by new cardholders at the end of their first year.
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