Usually, the best credit card with bad credit is going to be one with a low limit. By having a credit card with a limit of $1,000 or less, you’re unable to use the card to get in over your head in debt. Furthermore, you’ll be able to make more than the minimum monthly payment, which can save you a ton of money over the course of the time that you have the card.

Here’s what to expect as you go to apply for a credit card when you have less than perfect credit:

• High annual percentage rates (APR). People with good credit can get cards with an APR of 9 percent. You’ll be lucky to get one with 23 percent.
• Annual fees. People with good credit can find cards that don’t have any, you probably won’t have that luxury. Expect to pay at least $50 a year for the card that you get.
• A low line of credit. Some people can get cards that have a $10,000 limit. You’ll be lucky to qualify for one that has a $1,000 limit, but that can be a good thing, as outlined above.

The best credit card with bad credit is one that you can pay off in a timely manner. Otherwise, you’ll get sucked back into the debt cycle that ruined your credit rating in the first place.