Getting a real credit card with limited or bad credit

How do I go about getting approved for a real credit card I can charge stuff to if I have limited to bad credit?
Expert answer by Alex Gerard,
9 years experience in banking consulting

For limited credit (or no credit) there are plenty of options, for example Capital One Platinum card 

 

read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR no intro offer no BT fee
  • no annual fee
  • for average or no credit
  • high 24.99% APR
read review

or Barclaycard Rewards MasterCard®

 

read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases

2X points on gas, utilities and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

read review

 

If your credit is bad (below 600), we can recommend you the following unsecured credit cards

 

read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR15.90 - 24.40% (V)
intro BT APR no intro offer 15.90-24.40%
rewards 1% cash back on eligible purchases, terms apply 

This unsecured card requires no deposit and can help build your credit

Receive opportunities for credit line increases, a fee may apply

See if you Pre-Qualify in less than 60 seconds

Receive 1% cash back on eligible purchases, terms apply

$0-$99 annual fee

read review
read card review Apply Now
at issuer’s secured site
good credit
fair credit
intro purchase APR no intro offerregular APR23.9%

$35-$99* annual fee

real credit card for a less than perfect credit

*Dependent on credit worthiness

read review

or a secured credit card from Capital One Bank

read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR 24.99% no BT fee

no annual fee

bad credit or no credit 

25 days grace period

$49-$200 security deposit

read review

 

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