Having a low credit score can feel discouraging, especially if you’re trying to build financial stability. But the good news is that getting a credit card—even with a less-than-perfect score—is still possible. While your options may be more limited, certain types of cards and strategies can help you access credit and improve your score over time.
Credit Cards Designed for Low Credit Scores
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Secured Credit Cards: These require a refundable security deposit, usually equal to your credit limit. They’re easier to qualify for and are a great way to rebuild credit.
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Student Credit Cards: If you’re a student with limited credit history, some cards are designed specifically for beginners.
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Store Credit Cards: Retail store cards may have higher interest rates, but they are often easier to get approved for, even with a low score.
Things to Watch Out For
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High Interest Rates: Cards for low credit often come with higher APRs, so carrying a balance can get expensive.
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Fees: Some cards may charge annual fees or application fees—compare before applying.
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Credit Limits: Expect lower limits at first, but responsible use can lead to increases.
How to Use Your Card Wisely
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Pay on time every month—payment history is the biggest factor in your credit score.
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Keep your balance low relative to your credit limit.
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Avoid applying for too many cards at once, as multiple inquiries can hurt your score.
Final Thoughts
Yes, you can get a credit card with a low credit score—but the key is choosing wisely and using it responsibly. Start with secured or beginner-friendly options, build positive habits, and over time, you’ll improve your credit profile and qualify for better cards with more rewards and lower costs.
