Getting approved for a credit card with a low credit score can be challenging, but it’s not impossible. Whether you’ve experienced financial setbacks or are just starting to build your credit, there are strategies you can use to increase your chances of approval. In 2025, many credit card issuers offer options for individuals with poor credit, and understanding how to navigate these options can help you secure a credit card that suits your needs.
Know your credit score
Before applying for a credit card, it’s important to understand where you stand with your credit score. Credit scores generally range from 300 to 850, and those with scores below 600 are typically considered to have low credit scores. Knowing your exact score can help you identify which cards you’re most likely to be approved for.
You can obtain a free credit report once a year from major credit bureaus, such as Equifax, Experian, and TransUnion. If your score is low, it’s wise to work on improving it before applying for a new card, as this will increase your chances of getting approved.
Consider secured credit cards
One of the most effective ways to get approved for a credit card with a low credit score is to apply for a secured credit card. Secured cards require you to deposit a certain amount of money, which acts as your credit limit. This deposit reduces the risk for the lender and makes it easier for individuals with low credit scores to gain approval.
Many secured cards offer the opportunity to graduate to an unsecured card after a period of responsible use. Using a secured card wisely, paying your balance in full each month, and keeping your credit utilization low can help you build or rebuild your credit score over time.
Look for cards designed for people with bad credit
Several credit card issuers offer cards specifically designed for individuals with low credit scores. These cards may come with higher annual percentage rates (APR) and lower credit limits but can be a good starting point for rebuilding credit. When searching for cards, look for ones that report your payments to the credit bureaus, as this will help you establish a positive payment history.
Some subprime credit cards are easier to qualify for but may charge higher fees. If you choose one of these, ensure that the fees are manageable and that the card offers opportunities for improvement, such as upgrading to a better card in the future.
Start with a co-signer or joint account
If you’re struggling to get approved for a credit card on your own, consider applying with a co-signer or as a joint account holder. A co-signer is someone with a higher credit score who agrees to take responsibility for the card if you fail to make payments. This arrangement can increase your chances of approval, as the lender will consider both your credit histories.
Alternatively, some credit card issuers offer joint accounts, where both individuals are equally responsible for the card. This can be a good option for building credit, as long as both parties manage the account responsibly.
Improve your credit score before applying
While it’s possible to get approved for a credit card with a low score, improving your credit before applying will increase your chances of success. Some steps to improve your score include:
- Paying off outstanding debts and reducing credit card balances
- Avoiding late payments or missed payments
- Disputing any errors on your credit report
- Limiting new credit applications to prevent multiple hard inquiries on your credit report
Even small improvements in your credit score can help you qualify for better card offers, such as those with lower interest rates or higher rewards.
Avoid applying for too many cards
Each time you apply for a credit card, the lender will perform a hard inquiry on your credit report, which can temporarily lower your score. If you apply for multiple cards in a short period, it can hurt your chances of approval and make you appear risky to lenders. Instead, focus on applying for one or two cards that are specifically geared toward individuals with low credit scores, and space out your applications.
Conclusion
Getting approved for a credit card with a low credit score requires understanding your credit profile and choosing the right options. Secured credit cards, cards designed for people with bad credit, and applying with a co-signer are all viable paths. It’s also essential to take steps to improve your credit score over time, as doing so will increase your chances of approval and help you qualify for better offers. By being patient and strategic, you can successfully build or rebuild your credit and enjoy the benefits of a credit card.