Low credit? No problem! 5 best credit cards to apply for with a low score in 2025 | Mint

When having a low credit score, the door to getting a credit card might appear firmly shut. However, distressed credit holders can renew their financial stability with certain credit cards and approaches meant for them. Here we will know some best credit cards which you can opt for even if you have a lower credit score.

Credit score

A person’s creditworthiness is indicated by the credit score; it is a three-digit numeral. It is calculated by credit bureaus according to an individual’s credit record and considers such factors as:

1. Payment history: A person who pays on time shows they are responsible.
2. Credit utilisation: It refers to the ratio of the amount of credit you are using to your credit limit.
3. Credit history: Longer histories indicate stability.
4. Credit mix: A mixture of unsecured and secured loans is called a credit mix.

Credit card

You get to borrow money from a financial institution for certain purchases with your credit card. Payments must then be made within specified timeframes, typically with interest if full coverage is not made.

In conclusion, this is often a puzzle for poor credit scores, although getting a credit card with bad credit ratings isn’t impossible. Stay aware of your spending habits, make timely payments on your bills, and work on keeping them below 50 per cent of your credit utilization ratio.

(Note: Using a credit card carries its own set of risks. The list is indicative, and not exhaustive. Check the bank websites for the latest updates on these cards)