Having a bad credit score can affect a lot of different aspects of a person’s life. It makes it difficult to get any sort of loan, you have a harder time getting a mortgage for a home, and it limits you on the types of credit cards that you can get. Having bad credit can be very frustrating because it seems like no one will give you a chance to improve your credit score. Luckily, there are quite a few credit cards out there that are tailor made for people who have bad credit. These credit cards may come with stricter rules than others would. However, having a credit card that comes with rules and some deposits and fees is better than having no credit card at all. Below is a list of five different credit cards that are great for people who have bad credit.

1.) Capital One Secured MasterCard

This card is great for people who have bad credit because there is no annual fee, but you will get all of the credit building benefits that would come along with other cards. This card will help you build up credit when you use it responsibly because there is regular reporting to the three major credit bureaus. There is a $200 minimum-security deposit, but Capital One may increase the credit limit without any additional deposits if you use your credit responsibly. So, this may be the only deposit that you have to make.

2.) Total Visa Credit Card

This card offers instant approval in most cases, which is good for people who are struggling with bad credit. This will ensure that you get a card that will report the credit bureaus that you are trying to responsibly improve your credit as quickly as possible. You have to pay a processing fee if you are approved to open your account and to be able to access your available credit. The monthly payments are low, and they will vary depending on your application.

3.) First Premier Bank MasterCard

This card reports to the entire major consumer reporting agencies, so you will be able to prove that you are trying to improve your credit in a responsible manner. If you pay your balance in full each month, you will not have to pay interest on your purchases. You must have a checking account to qualify for this card. Watch out for the high interest rate, as well as the processing and service fees that come along with this card. If you are trying to rebuild your credit history, it can be possible if you make on-time payments to all your creditors, and keep your balance low.

4.) Wells Fargo Secured Visa Card

This card has a very low annual fee of $25, which is extremely manageable compared to most other credit cards that are for people with bad credit. If you have cash available to you for the deposit, you can commit to the collateral deposit, up to $10,000. This card also offers free online credit education, which can help you prove to the bureaus that you are actively trying to improve your credit score. Your account will also be reviewed periodically, and if they see that you have been using it responsibly, you could be upgraded to an unsecured account.

5.) US Bank Secured Card

This card reports to the major credit bureaus, which will keep you on track for responsible spending. You also have a very low annual fee of $29, which is low compared to other cards. You are also allowed a credit limit of up to $5,000 it you are able to provide that amount for a collateral deposit. Your account will also be evaluated after a year, and if you have been responsible, you can be upgraded to an unsecured card.