Bad credit is a massive roadblock in a seamless banking experience. Banks and financial institutions are cautious while rendering their services to people with bad credit. You may find it difficult to get loans and could be forced into paying high interest if you have a bad credit history. So, it is essential to work on your credit score, and here are some credit cards that can help you with it.

1. OpenSky® Secured Visa® credit card
Besides meeting certain income standards, customers do not need to fulfill any criteria to get the OpenSky Secured Visa credit card. Therefore, those with a damaged credit score may be able to qualify as well and work toward building it. The card also doesn’t require a bank account. You can make payments using a debit card, wire transfer, check, or money order. That said, the card has a $35 annual fee and has a 17.39% variable APR.

2. Discover it® Secured credit card
This credit card doesn’t just help you build a credit score but also provides fantastic benefits. New cardholders receive a welcome bonus. Discover matches any cashback new customers earn during the first 12 billing cycles. Meanwhile, cardholders can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and unlimited 1% cashback on all other purchases. Before using the card, however, you must make a minimum deposit of $200.

3. Secured Mastercard® from Capital One
The credit limit on many credit cards depends on how much you deposit. The Secured Mastercard® from Capital One is an exception, allowing you access to a $200 credit limit while only depositing a quarter of that. Additionally, it has no annual fee and gives cardholders access to a higher credit limit after they make their first five monthly payments on time. The only thing that might work against this card is that there is no rewards program or welcome bonus.

4. First Progress Platinum Elite Mastercard® Secured credit card
This card is accessible to all, including those who have a bad credit history. Usually, getting a secured credit card is a task, with companies deeply scrutinizing your credit history. While First Progress also goes through your past records, it doesn’t make a “hard” inquiry. You can apply for this card online.

5. Deserve Digital First card
The Deserve Digital First card is perfect for anyone with limited credit history and doesn’t require an annual fee. New customers do not have to put down a security deposit either, which is great if you’re still a student or in debt. Cardholders also receive up to 1.5% cashback, based on the amount of money they spend each billing period. For instance, purchases up to $500 can fetch you 1% back, while spending $500 in a billing cycle earns 1.25% back on purchases.