Do you have a bad credit history and think you can't get a credit card? The good news is that this is no longer an impediment. In 2025, several banks and fintechs offer credit cards approved instantly, even for those with CPF restrictions. And even better: without having to prove high income or go through endless bureaucracy.

If you need a credit limit to buy, organize your accounts or even recover your score, this post shows you What are the most affordable cards for those with bad credit and how to apply in minutes.

Can someone with bad credit have a credit card?

Yes! Many people still believe that having your name on the SPC or Serasa credit rating system makes it impossible to get any kind of credit. But the truth is... There are already solutions aimed precisely at those who are in debt.

Banks look at other factors besides a clean record, such as:

  • Relationship with the institution
  • Active digital account
  • Escrow deposit
  • Prepaid cards with credit function
  • Movement score, not just payment score

And the best part is that you can do everything online, with real-time analysis.

Types of cards that approve those with bad credit

Before jumping straight to the names, it's important to understand the two main types of cards for those with bad credit:

1# Guaranteed Cards
You deposit an amount (e.g., R$$200), which becomes your credit limit. It's as if the bank is saying, "I'm giving you credit because I know you have this amount reserved." If you pay on time, the amount stays intact. If you don't, the bank uses it as cover.

2# Cards assigned or linked to benefits
They're deducted directly from your INSS benefit or payroll. Approval is easier because the bank guarantees receipt.

Now, see the options approved quickly even with a bad credit history.

Best cards for those with bad credit in 2025

1# Neon Card with guarantee

You deposit any amount you want, starting from R$$100, and that amount becomes your limit. It works like a traditional credit card, accepted throughout Brazil.

  • Approval in minutes
  • No annual fee
  • Full control via the app
  • Increase your score with conscious use

💡 Ideal for those who want to rebuild credit safely.

2# PagBank card with guaranteed limit

It works the same way as Neon: you put up any amount you want as collateral. The difference is that PagBank also offers other solutions along with the card, such as personal loans.

  • Accepted nationwide
  • Allows installments
  • Simple and intuitive app
  • Fast approval

💡 Those who receive their salary in a PagBank account can obtain credit without collateral.

3# Superdigital Card (Santander)

Prepaid with credit function. You top up the amount and use it as credit. No credit check required and works with negative CPFs.

  • Accepted for online and in-person purchases
  • It is possible to pay in installments.
  • It has a Mastercard flag
  • 100% online registration

💡 Great option for those who want total control over their expenses.

4# Banco Inter card with guarantee

Banco Inter allows you to invest in CDBs, and the amount invested is converted into a credit limit. In other words, while your money earns interest, it can still be used as credit on your card.

  • No annual fee
  • Limit guaranteed by investment
  • Complete app with digital account
  • Approval within 1 business day

💡 In addition to credit, you also profit from CDB interest.

5# Caixa SIM Consigned Card

For retirees, pensioners, and public servants. Approved even with low credit scores or negative credit ratings, as it's deducted directly from payroll or INSS benefits.

  • Low interest rate
  • Does not consult SPC/Serasa
  • Limit of up to R$1,500 (may increase over time)
  • Withdrawal available

💡 If you receive benefits, this type of card is definitely worth considering.

How to increase the chances of quick approval?

Even with a bad credit rating, there are ways to make card approval easier (and even faster):

1. Use your digital account frequently
Banks like Nubank, Inter, and Neon analyze account activity to release credit.

2. Make an escrow deposit
It's the fastest and safest way to get approval even if you have a negative rating.

3. Keep your CPF up to date
Incomplete registration or incorrect data may block the analysis.

4. Avoid applying for multiple cards at the same time
Many queries in a row further lower the score.

5. Start with low limits and increase with use
Paying on time and using frequently are real ways to rebuild credit.

Advantages of having a card even if you have a negative credit rating

Many people think: “why have a card if my credit score is bad?” But in practice, the card can be part of your financial reconstruction, as long as it is used responsibly.

  • Allows you to pay for purchases in installments and organize your budget
  • Helps build or repair your credit history
  • Provides access to online shopping, apps, delivery, and subscriptions.
  • Can be used for emergencies (such as pharmacy, market, etc.)
  • Avoid depending on third parties or expensive loans

And the best part: You regain control of your financial life without waiting to “clear your name”.

What if my name is cleared later? Do I change my card?

No need. Many cards for those with bad credit evolve over time. If you use them well, the banks themselves increase your limit and even offer category upgrades, with cashback, points or other benefits.

But if you prefer, after regularizing your situation, you can also look for other cards with more benefits and a higher limit.

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May 12, 2025