If you have bad credit, you may not get approved for a card with a large sign-up bonus and lucrative rewards. Each credit card application can temporarily ding your credit report, so consider using an online pre-qualify page or tool.

You can also call the card issuer and ask about a specific card's requirements.

You may have an easier time getting approved for a secured credit card, which uses a cash deposit you make upon approval to secure  your line of credit. Some of the best secured cards offer cash rewards, flexible deposit amounts, and the chance to upgrade to an unsecured card and get your deposit back.