If you’re tired of living with bad credit, there are things you can do to build your credit.

One of the things you can do is find credit cards for fixing bad credit. When you show you’re able to responsibly use these cards, you’ll start to build up your credit.

While there are a lot of options, you want to make sure you’re getting the best of the best. You don’t want to open too many accounts, but you do want to make sure that you have enough available credit to show how well you can manage your finances.

Continue reading this article to learn what credit cards you should consider using to build your credit back up from poor, fair, good to great.

The 411 on Credit Cards for Fixing Bad Credit

As you read more about credit cards, you might find your head spinning with confusion. You want to get the right card to build your credit, but how do you know which one is the right one for you?

1. Capital One Quicksilver

Capital One Quicksilver is one of the best cards you can get when you have bad credit. You can get an introductory 0% APR for 15 months and after that, your interest rate is anywhere from 16.24% to 26.24%, depending on your credit score.

This card is great because you can earn 1.5% cashback on all purchases. There’s also a bonus of $150 when you spend $500 within the first 3 months for some applicants.

There is an annual fee in some cases as well depending on your creditworthiness.

2. Capital One Platinum

Sticking within the Capital One family, this is another great card that can help you build your credit score. Even if you’ve got the Quicksilver card, it doesn’t hurt to apply for this one as well.

If you have both cards, you can access them both through the same login on the Capital One app.

You may or may not need to secure the credit card depending on how your credit looks, but you’ll still be building your credit since it reports to all three major credit agencies.

3. Credit One Bank Visa

Credit One does have an annual fee and a high interest rate, but you’ll be able to check your credit score for free. You can also choose your own due date to make sure you’re able to pay on time every time.

You get 1% cashback on certain purchases. Make sure you read the terms that apply.

When you get approved for this card, get ready to pay interest starting at 20.24% and going up.

4. Reflex Mastercard

If you have poor credit, then this Reflex Mastercard can help you out in a bind. You may be approved for the secured or unsecured version of the card depending on your credit rating.

The first annual fee is $125 and then it goes down to $96 from the second year and beyond.

There is no monthly maintenance fee when you get started, but after the first year, you’ll pay a $10 per month maintenance fee.

The APR is also quite high at 30.49%, so if you’re opting for this card, make sure it is on the end of your list and you have very poor credit.

5. Indigo Platinum Mastercard

You can check to see if you can qualify for the Indigo card with no negative impact on your credit score. You can still apply if you’ve had a previous bankruptcy or if anything else negative is on your credit.

You can access your account online, and your card is protected from fraud if it is lost or stolen.

What to Look for In Your New Card

When you’re choosing your new card to build your credit, you may not have a lot of options depending on how bad your credit is.

If you have poor credit, you may not be able to get an unsecured credit card. Many cards allow you to start with a secured credit card and move to an unsecured credit card as you show that you’re able to use the card responsibly.

People that have credit scores that are fair can get better deals and often are able to get unsecured credit cards right away.

As your credit score increases, you want to continue to look for cards that give you a better rate. Depending on the card you hold, you may automatically get a better interest rate as your credit score increases.

When your credit score gets better, look for other cards that might give you better offers but continue to use and pay down the other credit cards that you have, even if they are high interest.

As long as your credit cards aren’t carrying a balance you won’t have to pay any interest fees. You will still have to pay any maintenance fees or annual fees for the credit cards that you have.

You should also be on the lookout for cards that give rewards like air miles, cashback or other bonuses. The bonuses can really add up on these cards, and if you’re paying them off on a monthly basis, you can actually make some money off having these credit cards in your wallet.

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