Your credit score determines a lot of financial decisions for you. If you don’t have excellent credit, you’ll be facing fewer options – and fewer potential credit cards. The best credit cards, with the best perks, are typically only offered to those with great credit scores.

However, you don’t have to settle for a credit card that’s less than ideal. Even with bad credit, you have options. You may even be able to qualify for a card that offers cash back rewards. That’s right: you can work towards improving your credit and get some rewards along the way.

If you’re in search of a credit card that will accept applicants with less-than-perfect credit, the following are the cash back rewards credit cards you should consider.

Credit One Bank Unsecured Visa with Cash Back Rewards

The Credit One Bank Unsecured Visa with Cash Back Rewards is an excellent credit card for anyone whose credit is less than perfect. In fact, it’s even a stellar choice for those with poor or bad credit. 

This card is unsecured, which means you don’t have to create your own line of credit with an initial deposit. And it offers a consistent, easy to understand cash back rewards program that can help you reduce what you owe month after month. That’s something few credit cards for those with low credit scores can offer.

APR

Variable interest rate. Current APR ranges from 20.24 to 26.24 percent.

Included Rewards

Earn 1 percent cash back on everyday purchases. This includes cash back on gas, groceries, your cell phone bill, your internet bill, cable and satellite TV service, dining, and more. 

The cash back rewards that you earn are automatically credited to your card statement each month. That means your cash back earnings will actually help lower your credit card bill, helping you do even more for your money.

How to Qualify

The Credit One Bank Unsecured Visa with Cash Back Rewards offers prequalification, which is excellent for anyone with bad credit. You can enter your information and find out if you’ll qualify before actually applying – avoiding a hard inquiry and a rejection. 

Discover it Secured Card

The Discover it Secured Card is a fantastic credit card for those who aren’t ready to qualify for an unsecured credit card just yet. This credit card is designed for those with less-than-perfect credit scores, and it allows you to build your credit over time. And it even offers some pretty impressive cash back rewards.

The Discover it Secured Card just requires a deposit to get started. Your deposit will become your credit line, and you can add as much or as little cash as you’d like. With no annual fee and extra perks like cash back matching, it’s like any unsecured credit card – just with one little difference.

APR

Variable interest rate. Currently, APR is set at 24.99 percent for all cardholders.

Included Rewards

The Discover it Secured Card gives cardholders 2 percent cash back on all purchases at restaurants and gas stations. You can earn that 2 percent on up to $1,000 in combined purchases each quarter. 

You’ll also earn 1 percent cash back on all other purchases. And, at the end of your first year as a cardholder, Discover will give you an automatic dollar-for-dollar cash back match. That’s free cash deposited right into your card’s rewards!

How to Qualify

Pre-qualification isn’t available for this card. You’ll need to fill out an application and have a hard inquiry on your credit report in order to qualify.

Once you’ve been accepted, you’ll need to make a refundable deposit that will set your credit limit. Deposits are $200 minimum, but you can add as much as you’d like.

Official NASCAR Credit Card from Credit One Bank

If you’re looking for a traditional credit card with customized perks and benefits, the Official NASCAR Credit Card offered by Credit One Bank. With great benefits for anyone with less-than-ideal credit – like prequalification and no need to put down a deposit – and traditional cardholder rewards, you can get the best of both worlds in this one card.

And, if you’re a NASCAR fan, you’ll really love all of the reward perks this credit card offers.

APR

The interest for this credit card is variable, and can change at any time. Currently, cardholders’ APR is set at 20.24 to 26.24 percent.

Included Rewards

Rewards are offered for qualified applicants of the Official NASCAR credit card. You’ll enjoy 1 percent cash back rewards on every purchase you make, including groceries, restaurants, and so much more.

Additionally, since this credit card is designed for NASCAR fans, you’ll also enjoy double cash back rewards every time you make a purchase at the NASCAR Superstore online.

How to Qualify

The Official NASCAR Credit Card from Credit One Bank allows you to prequalify before applying for this card. You can enter your information and find out if you’ll qualify before actually applying – avoiding a hard inquiry and a rejection, keeping your credit score in its current standing.

Improve Your Credit and Earn Rewards With These Credit Cards

Having less than perfect credit can limit your credit card options. But your score doesn’t mean you have to miss out on the rewards and benefits other cardholders enjoy. 

With smart financial moves and the right credit card, you can actually start improving your credit score. And that can open more financial opportunities – including even better cash back rewards credit cards.

And there are even credit cards available that cater to those with lower credit score. If you’re looking for a card that can offer you rewards and the opportunity to start working on your credit, it’s time to research your options and see what’s available.