Having bad credit can be a daunting financial hurdle, especially when you see the enticing offers for rewards credit cards. But did you know that there are cards specifically designed to help people with less-than-stellar credit while still offering the perks of rewards?

Want a card with a large credit limit?

Yes, it’s true. Rewards cards aren’t just for people with excellent credit anymore. These days there are more options than ever for people with poor credit. And some even promise to help you build your credit at the same time!

Rewards cards are a great way to get the most value out of your everyday purchases. However, not every rewards card is right for everyone. It’s all about your spending habits and the type of rewards you value.

With so many options, we are here to help you make the best choice for you. Here are our picks for the best rewards cards for people with poor credit.

1. First Digital Mastercard®

Boost Your Credit with 1% Cash Back!

  • Earn 1% cash back rewards on payments made to
    your First Digital Credit Card
  • $300 credit limit (subject to available credit)
  • Perfect credit is not required for approval;
    we may approve you when others won’t
Apply Now

2. Accepted Platinum:

Enjoy a $1,000 Credit Line. Fast Approval Guaranteed!

  • No application denied for poor credit
  • Get $25 in rewards every month
  • No credit check
Apply Now

3. Extra Card:

The First Debit Card That Gives You Rewards!

  • Earn up to 1% in points for everyday purchases
  • No minimum credit score needed
  • Build credit with little effort
Apply Now

If you only pay for purchases with cash or a traditional debit card, you’re leaving money on the table. That’s why we recommend trying one of these rewards cards. While 1% cash back or $25 a month may not sound like a lot, it can add up to hundreds per year. Why not take advantage and make the most out of your purchases?

While bad credit can make obtaining a rewards card seem like a distant dream, these three cards – First Digital Mastercard®, Accepted Platinum, and Extra – provide viable options for individuals looking to rebuild their credit while enjoying some rewards along the way. So go ahead and try a card that gives back.

About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.