Top 5 Travel Rewards Cards For Bad Credit
Dreaming of traveling the world but held back by a less-than-perfect credit score? Good news! You don’t need excellent credit to start earning travel rewards. Several credit cards cater to those with bad credit, offering travel perks and benefits to help you save on your next adventure. Here are the top five travel rewards cards for those with bad credit.
Top 5 Travel Rewards Cards For Bad Credit
Rebuilding your credit doesn’t mean you have to miss out on travel rewards. These five credit cards offer valuable opportunities to earn cash back and other perks, even if your credit score isn’t perfect. By using these cards responsibly, you can improve your credit score and eventually qualify for even better travel rewards cards. So, start your journey towards financial health and globe-trotting adventures today!
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1. Credit One Bank® Platinum Visa® for Rebuilding Credit
Why It’s Great:
Rewards Program: Earn 1% cash back on eligible purchases such as gas, groceries, and internet services.
Annual Fee: $75 for the first year, then $99 annually ($8.25 per month).
Credit Level: Poor to fair
Additional Perks: Credit line increases with responsible use, free credit score access.
This card is designed for individuals looking to rebuild their credit while earning rewards. The 1% cash back on essential purchases can add up, helping to offset travel costs.
2. Discover it® Secured Credit Card
Why It’s Great:
Rewards Program: Earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter) and 1% on all other purchases.
Annual Fee: $0
Security Deposit: Minimum $200
Additional Perks: Discover matches all the cash back you've earned at the end of your first year, automatically.
The Discover it® Secured Credit Card is an excellent option for building or rebuilding credit. The cash back rewards can be redeemed for travel-related expenses, and the $0 annual fee makes it budget-friendly.
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3. OpenSky® Secured Visa® Credit Card
Why It’s Great:
Rewards Program: While it doesn’t offer traditional rewards, the low fees and flexible deposit options make it an excellent choice for rebuilding credit.
Annual Fee: $35
Security Deposit: $200 - $3,000
Credit Check: No credit check required to apply.
The OpenSky® Secured Visa® is perfect for those who want to build credit without a credit check. Though it doesn’t offer direct rewards, the ability to improve your credit score can open doors to better travel rewards cards in the future.
4. Capital One QuicksilverOne Cash Rewards Credit Card
Why It’s Great:
Rewards Program: Earn unlimited 1.5% cash back on every purchase.
Annual Fee: $39
Credit Level: Fair
Additional Perks: Access to higher credit line after making your first 5 monthly payments on time.
The Capital One QuicksilverOne card is ideal for those with fair credit. The straightforward rewards program allows you to earn cash back on every purchase, which can be used towards travel expenses.
5. Secured Mastercard® from Capital One
Why It’s Great:
Rewards Program: No traditional rewards, but a great tool for building credit with no annual fee.
Security Deposit: $49, $99, or $200 refundable deposit.
Additional Perks: Access to a higher credit line after making your first 5 monthly payments on time.
The Secured Mastercard® from Capital One is an excellent starting point for those looking to rebuild credit. While it doesn’t offer rewards, the no annual fee and potential for credit line increases make it a valuable card for future travel benefits.
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