Get Approved Today Credit Cards For 520 Score

Secured vs. Unsecured Credit Cards

For those with a 520 credit score, secured credit cards are often the most accessible option. These require a cash deposit that serves as your credit limit. For example, if you deposit $200, your credit limit will typically be $200. This deposit minimizes the risk for the issuer and provides you with a tool to improve your credit score through responsible use and timely payments.

Unsecured credit cards are available too, but they often come with higher fees and interest rates. While these cards don't require a deposit, they may have annual fees and a higher APR, which can be costly if balances are not paid in full each month.