5 Best Credit Cards for Bad Credit in 2026

3. Chime Credit Builder Visa® Card

Why it’s great:

• No annual fee, no interest, no credit check
• No minimum deposit required
• Helps build credit safely

Chime’s Credit Builder Card works a bit differently. You fund the card through your Chime Checking Account, and there’s no risk of going into debt. There’s no hard credit pull, and it reports to all three bureaus. You control your spending and build credit over time.

Security deposit: None (uses your own money)

Requires: Chime Spending Account + qualifying direct deposit

Reports to: Experian, Equifax, TransUnion

Apply here: Chime Credit Builder

4. OpenSky® Secured Visa® Credit Card

Why it’s great:

• No credit check required
• Perfect for rebuilding or thin credit files
• No annual fee with selected promo offers

If your credit is very poor or you’ve been denied elsewhere, OpenSky gives you a chance without a credit check. It’s easy to apply and doesn’t require a bank account. While the standard version has a $35 annual fee, they sometimes offer promos with no annual fee—be sure to check!

Security deposit: $200–$3,000

Reports to: All three major bureaus

Apply here: OpenSky Card