BEST Credit Cards for Bad Credit 2025 - Unsecured Credit Cards for Low Credit Scores

[@cardojp]

Great content as always, thanks Adam!!!

[@Tristin471]

I would stay completely away from tier 4, if at all, possible.

[@brandoncarroll2955]

I would rank Mercury higher than Mission Lane. Even higher than Capital One Platnum. JMO

[@rgoff2515]

I agree! And Mercury is by invitation only.

[@brandoncarroll2955]

​@rgoff2515 My Mercury is a 2% Cash back, and no AF. Topped out at $4850 CL. My Cap1 QS is bucketed at $2099

[@SOXGATORS]

👍🏻

[@bionicwoman9884]

450 is bad😂

[@jjman533]

Tons of fools buying Hellcat cars with 30% financing with that FICO score.

[@billmitch5150]

HELP!! I'm purchasing a motorcycle, and I need assistance. Which of these is the best option. First, pay cash. Second, make payments or Third, credit card, paying it off before cut off date.

[@Edmuresrampantmanhood-dp3jd]

Car dealerships charge a 3% fee to use a credit card, if you are working on a welcome offer or have the Smartly/VX it could work in your favor. You can also finesse payments on a car loan, if you have the money up front put it in an ETF fund and use the dividends to help with repayment, you will earn more with the money in the market than buying a deprecating asset with cash. You do need to make sure the car loan is below 10% (on the very high end assuming really good growth over the next 10 years) and even than I wouldn't do it if it was more than 4%. Cash is probably the worst way to do it but if you don't have a credit card leander who will let you borrow 10-15k for one purchase (Even Amex with it's charge card floating limits stuff won't let you out of the gate) and the numbers don't make sense on the loan it might be the only thing that makes sense.