Having a credit card is a great way to get over lean times, but you must have a good credit rating to be eligible for a credit card. That being said, while a poor credit rating makes you ineligible for regular credit cards, it does not mean credit cards are completely out of the question. There are several types of credit cards for people with bad credit. Although these cards may not offer comparative benefits and perks, they give you an opportunity to build on your credit rating.

• Discover it® Secured
  This secured credit card is often the first to be listed among the top credit cards for people with bad credit because it has no annual fees. It also provides the cardholder a way to upgrade to a regular credit card through automated reviews after 8 months. One can earn a 2% cashback at restaurants and gas stations on purchases of up to $1,000 and an unlimited 1% cashback on all other purchases with this credit card.
• OpenSky® Secured Visa® Credit Card
  No credit check is required to apply for this credit card, and although an initial deposit is needed, it is converted to the credit line limit. The card offers 0% introductory APR on all purchases within the first three months. Also, cardholders can improve their credit rating with major credit bureaus within 6 months. A major benefit of this credit card is that it doesn’t require the cardholder to have a bank account to be eligible.
• Green Dot Visa® Gold Secured Credit Card
  One of the reasons this card is known as a credit card for people with bad credit is because it has no minimum credit score requirements and no application or processing fees. At times, when you are unable to clear your full bill, the card offers a low fixed interest rate with no penalty. Provided you have enough cash deposits, this card allows credit lines of up to $5,000.
• Capital One® Secured Mastercard®
  Unlike other credit cards for people with bad credit, this one allows the cardholder to qualify for a credit limit much higher than that of the deposit. The initial credit line is usually $200. Also, if the first 5 monthly payments are made on time, cardholders can access a higher credit line without an additional deposit. It charges an annual fee, but it can help improve credit rating with responsible usage.
• Credit Builder Secured Visa® Credit Card
  This is a great choice, as it comes with adjustable credit limits. Issued by the Armed Forces Bank, this credit card offers flexibility and keeps credit utilization low. Credit limits can be increased by $50 as and when needed by making additional deposits, but this card has an annual fee as well as quarterly fees.

These cards are ideal for people with a credit rating lower than 630, and they are also great for people with negligible credit history.