How We Rank Cards

At BadCreditFirst, we do not rank cards based on who pays us the most. We evaluate products based on three core criteria:

1. 1. Fee Transparency

   We prioritize cards that clearly disclose annual fees and avoid hidden monthly charges.

2. 2. Bureau Reporting

   We only recommend cards that report to at least one major credit bureau (Equifax, Experian, or TransUnion).

3. 3. Approval Odds

   We focus on products specifically designed for consumers with credit scores under 600.

Methodology

Our rankings are based on editorial evaluation. We consider the following factors when reviewing cards:

• Approval accessibility: How well the product fits consumers with bad or limited credit.
• Fees: Transparency, clarity, and total cost of ownership.
• Reporting behavior: Whether the issuer reports to all three major bureaus.
• Usability: Account management, clarity of terms, and user experience.

Rankings reflect our editorial judgment. They are not influenced by advertiser relationships or payments from issuers.