The only certain thing about a credit card is the uncertainty. Despite your best efforts and planning, if your credit score is less than 670, you are considered bad credit. If you fall under bad credit, you will find it all the more difficult to apply for a new credit card, mortgage, or car loan. But don’t worry! Many credit card companies issue credit cards for bad credit too.

Two types of credit cards are issued for bad credit – secured and unsecured. You can get a secured card by paying a refundable deposit to the issuer, set as your credit limit. You can then prepay for your purchases using your card. The collateral or warranty will be refunded when you deactivate and close the card. On the other hand, unsecured credit cards do not ask for a deposit and can be easily purchased if you have proof of a good income source.

Here are some of the top secured credit cards for bad credit.

1. Mastercard from Capital One
With no introductory balance transfer, and an annual purchase rate (APR) of 26.99% (the rate you are charged for 12 months), all you need is to pay collateral of $49, $99, or $200 through an authorized bank to get you a credit line of $200. If you need additional credit, you can pay more collateral. If you pay on time without defaults, you will automatically be considered for an increased credit line in six months. The card also is accepted worldwide in significant locations. Those who have a terrible credit history like bankruptcy will not be eligible for this card.

2. OpenSky Secured Visa Credit
They do not check your credit status, so people with very bad credit too can purchase a card, provided they have a stable income source. Unlike many cards, OpenSky does not require a bank account, and you can make your collateral payment by a debit card, check money order, or even a wire transfer. The card charges an annual fee based on your collateral, which can be as low as $200. There is no system to upgrade to an unsecured card. They help users with tips and suggestions to maintain good credit.

3. Self Credit Builder Account + Secured Visa® Credit Card
With an APR of 21.74%, this card helps you build your credit score as well as save. They do not do a credit check on you, nor do they check your credit history. The credit builder card increases your credit score, savings, and credit history every time you make a payment on time. If you do it continuously for three months and have a balance of $100 in your account, you are eligible for a Self Visa Credit card without a credit check. The card is accepted quite widely in the country.

4. Discover it Secured card
This is one of the most popular and highly rated cards. It requires a minimum deposit of $200 and a high limit of $2500 at a $0 annual fee. It is popular as they promise cashback of all the cumulative cashback you earn through the year. They also have many rewards for spending at eateries and gas stations. It has an APR of 22.9%. Your credit score is reported to three bureaus and is tracked for review every eight months to upgrade to a regular card.