Free plans only
6 Best Free Credit Cards for Bad Credit of 2026
By the Rankozo research desk · Updated November 10, 2026
6 of the 9 tools in our best credit cards for bad credit ranking offer a permanent free plan. Discover it Secured Cash Back scores highest among them at 9.1 out of 10.
- 01
Discover it Secured Cash BackPeople rebuilding credit who want a no-fee secured card that also earns real cash back.
$0 annual fee; refundable deposit as low as $49 for a $200 credit line
Full entry, No. 1 overallPaid from
Free
Score 9.1
- 02
Capital One Platinum SecuredPeople with the most damaged credit who want the lowest possible deposit and no fees.
$0 annual fee; refundable deposit of $49, $99 or $200
Full entry, No. 2 overallPaid from
Free
Score 8.8
- 03Capital One Quicksilver Secured
Rebuilders who can put down $200 and want flat cash back without tracking categories.
$0 annual fee; $200 minimum refundable deposit
Full entry, No. 3 overallPaid from
Free
Score 8.6
- 04
U.S. Bank Cash+ Secured VisaRebuilders who can deposit $300 or more and want the highest category rewards.
$0 annual fee; refundable deposit of $300 to $5,000
Full entry, No. 4 overallPaid from
Free
Score 8.3
- 05Capital One Platinum
People whose score has partly recovered to fair and who want to skip a deposit.
$0 annual fee; no security deposit
Full entry, No. 5 overallPaid from
Free
Score 8.1
- 06
Petal 1 VisaRebuilders who want an unsecured card without a deposit and like app-based challenges.
$0 annual membership fee for Petal 1; Petal 1 Rise is $59
Full entry, No. 7 overallPaid from
Free
Score 7.9
Scores and prices come from our Best Credit Cards for Bad Credit ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com