Do You Have a Bad Credit History? Here's How to Get a Credit Card
Get one credit card when you are in debt can be quite a challenge as most banks perform a rigorous analysis of your financial history before approval.
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However, some institutions offer credit cards for people with bad credit, allowing you to access credit even with CPF restrictions.
If you are having trouble getting approved for a traditional card, this article will show you how to 14 best credit card options for those with bad credit, highlighting its benefits, fees and how to apply for them.
✅ What are Credit Cards for People with Bad Credit?
You credit cards for people with bad credit are alternatives created for people who have restrictions on their name and cannot get approval for conventional cards. In general, these cards have:
✔ Easy approval (some without consulting SPC and Serasa)
✔ Less bureaucracy for request
✔ Possibility of credit recovery
✔ No-annual-fee options or with reduced rates
Now, let's check the 14 best options available in the market.
🔥 The 14 Best Credit Cards for People with Bad Credit in 2025
1. BMG Card (Consigned)
💳 Type: Consigned
💰 Annuity: Free
📌 Differential: Exclusive for retirees, INSS pensioners and public servants
🎯 Benefit: Limit based on salary or INSS benefit
➡️ Why choose?
This card is an excellent option for those who receive INSS benefits or is a public servant, as he offers reduced interest and approval without consulting SPC/Serasa.
2. Inter Consigned Bank
💳 Type: Consigned
💰 Annuity: Zero
📌 Differential: No SPC/Serasa consultation and lower rates
🎯 Benefit: Higher limit than other payroll cards
➡️ Why choose?
Ideal for those who need a higher limit without facing bureaucracy. Since payments are deducted directly from the payroll, there is a lower risk of default.
3. PAN Consigned
💳 Type: Consigned
💰 Annuity: Free
📌 Differential: Fast approval for INSS beneficiaries
🎯 Benefit: Allows withdrawals from the available limit
➡️ Why choose?
If you need a card with withdrawal available, this can be a great option. Plus, the interest rates are lower compared to conventional credit cards.
4. Yes Box
💳 Type: Common credit
💰 Annuity: Zero
📌 Differential: Easy approval for those who have low score
🎯 Benefit: Discounts at partner stores
➡️ Why choose?
A Federal Savings Bank offers this card without an annual fee and with reduced rates, being a good choice for those who want credit without paying extra fees.
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5. Bradesco Elo Consigned
💳 Type: Consigned
💰 Annuity: Exempt
📌 Differential: Exclusive for public servants and retirees
🎯 Benefit: Low interest rates and wide acceptance
➡️ Why choose?
O Bradesco Elo Consigned offers a higher limit and lower rates, being recommended for those who want save on interest.
6. Santander SX
💳 Type: Common credit
💰 Annuity: Zero (for expenses above R$ 100/month)
📌 Differential: Ease of approval for Santander customers
🎯 Benefit: Card International and with exclusive benefits
➡️ Why choose?
If you have Santander account, your chances of approval increase. In addition, it is a good option for international purchases.
7. Will Bank
💳 Type: Common credit
💰 Annuity: Free
📌 Differential: Fast approval and digital 100%
🎯 Benefit: Offers cashback on purchases
➡️ Why choose?
This card is ideal for those who want to earn money back when shopping.
8. Neon Prepaid
💳 Type: Prepaid
💰 Annuity: Zero
📌 Differential: Total control over expenses
🎯 Benefit: No bureaucracy in approval
➡️ Why choose?
Perfect for those who want avoid debts, as it can only be used with available balance.
9. Banco do Brasil Ourocard Prepaid
💳 Type: Prepaid
💰 Annuity: Zero
📌 Differential: Top-up via bank slip or transfer
🎯 Benefit: Greater safety in daily use
➡️ Why choose?
Ideal for online shopping without needing a traditional credit card.
10. C6 Bank Guaranteed
💳 Type: Guaranteed by deposit
💰 Annuity: Zero
📌 Differential: The customer sets his own limit with a security deposit
🎯 Benefit: Improves credit score
➡️ Why choose?
If you want rebuild your financial history, this card is a great choice.
11. Superdigital
💳 Type: Prepaid
💰 Annuity: Zero
📌 Differential: Accepts PIX and boleto for top-ups
🎯 Benefit: Total financial control
➡️ Why choose?
It is an easy-to-use card with no risk of debt.
12. PagBank Prepaid
💳 Type: Prepaid
💰 Annuity: Zero
📌 Differential: Immediate approval
🎯 Benefit: No bank account required
➡️ Why choose?
Great option for those who don't have a bank account.
13. Nubank Guaranteed
💳 Type: Guaranteed by deposit
💰 Annuity: Zero
📌 Differential: Customer sets own limit
🎯 Benefit: Helps to increase credit score
➡️ Why choose?
Ideal for those who want a Nubank card, but has a low score.
14. Credicard Zero
💳 Type: Common credit
💰 Annuity: Zero
📌 Differential: Accepts customers with low scores
🎯 Benefit: No proof of income required
➡️ Why choose?
Good for who looking for a traditional card, but has difficulties in getting approved.
📌 What are the Advantages of a Credit Card for People with Bad Credit?
Have one credit card for people with bad credit can bring several benefits, such as:
✔ Access to credit without bureaucracy
✔ Possibility of installment payments
✔ Financial control (especially on prepaid cards)
✔ Improve your credit score by keeping payments up to date
Additionally, many cards offer exclusive discounts, participation in cashback programs and exemption from annuity.
📌 Tips to Increase Your Chances of Approval
If you want a credit card but are having trouble getting approved, follow these tips:
1️⃣ Prefer prepaid or payroll cards, which do not require credit analysis.
2️⃣ Keep your accounts up to date, as this can help increase your Serasa score.
3️⃣ Avoid applying for multiple cards at the same time, as this can harm your score.
4️⃣ Consider deposit-secured cards, which facilitate approval.
💳 How to Apply for a Credit Card for People with Bad Credit?
The process of requesting one of the 14 best credit cards for people with bad credit may vary, but generally follows these steps:
1️⃣ Access the official website of the bank or financial institution.
2️⃣ Fill out the form with your personal details.
3️⃣ Wait for analysis and approval.
4️⃣ If approved, receive the card at home and unlock it via the app.
Some cards require a security deposit or link with INSS benefits to be approved.
Regardless of your choice, remember to keep payments up to date, avoid excessive debt and take advantage of the benefits of each card. With responsible use, your score can improve and new financial opportunities will arise in the future!