Having an imperfect credit score doesn’t mean you can’t secure a credit card. Start your search online today for the best credit cards for people with low credit scores. 

If you have an imperfect credit score, you’re not alone. Many people live with a less-than-stellar credit score through no fault of their own. Whether you need to improve your credit score or you’ve just started building your credit history, here are the best credit cards in 2022 for people with a low credit rating. 

Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is an excellent option for people looking to build their credit score. As a secured card, the Capital One Platinum Card Most requires you to make a low deposit of $49, $99, or $200 in order to receive a credit limit of $200. 

Don’t have the deposit money upfront? No problem. Capital One allows you to make your deposit in multiple installments. In addition, you’ll automatically be considered for an increase in your credit limit with no additional deposit once your account has passed the six-month mark. 

Other perks include:

• $0 Fraud Liability
• Complimentary credit score monitoring with CreditWise
• User-friendly app

Discover It Secured Credit Card

Want to earn rewards while also building your credit score? The Discover It Secured Credit Card could be the perfect solution! As one of the best credit cards available for people with low credit scores, The Discover It Secured Credit Card offers a generous 2% cash-back on all restaurants and gas spending up to a total of $1,000 per quarter, plus 1% cash-back on all other purchases. 

In addition, the Discover It Secured Credit Card has a $0 annual fee, and Discover will review your account automatically to determine a possible upgrade to an unsecured card. To become eligible, simply manage your account responsibly for seven months!

Other perks include:

• Reports to all three major credit bureaus
• Security alerts if your social security number is found on the Dark web

Capital One Quicksilver Secured Cash Rewards Credit Card

If you have a FICO score of 629 or lower, the Capital One Quicksilver Secured Cash Rewards Credit Card could be the one for you! This $0-annual-fee credit card offers 1.5% cash-back on every purchase; however, it does require a $200 minimum upfront security deposit.

Fortunately, if you’re trying to build your credit score up, you’ll be happy to know that Capital One reports to all three major credit bureaus, unlike most other secured credit cards. Plus, they’ll review your credit limit for a potential increase after six months! 

Other perks include:

• $0 Fraud Liability 
• Unlimited 5% cash-back on rental cars and hotels 
• Complimentary credit score monitoring with CreditWise

Chime Credit Builder Visa Credit Card

The Chime Credit Builder Visa Credit Card offers a convenient and easy way to manage your credit responsibly. Applicants do not require a credit check, face no annual fee, and do not have to make a minimum deposit. 

Unlike traditional secured cards that require a security deposit, the Chime Credit Builder Visa Credit Card is backed by funds in a linked account. You have the flexibility of adding funds to this account at any time, and your card will not let you spend more than you have in your account — making it easy to stay on top of your money. 

Other perks include:

• Receive real-time transaction alerts
• No fees at over 60K+ in-network ATMs 
• Average increase of 30 credit score points with regular, on-time payments

OpenSky Secured Visa Credit Card

The OpenSky Secured Visa Credit Card is perfect for people who need to build their credit up or those who don’t have access to traditional banking services. This is because applying for the OpenSky Secured Visa Credit Card doesn’t require a credit check!

In addition, you don’t need a bank account to open up an OpenSky Secured Visa Credit Card account; however, you will need to meet income requirements.  

Other perks include:

• Flexible payment due dates
• 85% average approval rate 
• Potential credit line increase after six months

If you’re struggling to secure credit because of your previous credit history, don’t worry! There are many options to improve your credit score with a credit card specially created for people with low credit scores.

Securing the right card for your needs and making timely monthly payments can help you quickly and easily rebuild your credit and improve your credit score. Start your search for the perfect credit card online today.