Better Call Saul is filled with pretty terrifying villains, from Gus Fring to Tuco, Hector and Lalo Salamanca, and, of course, The Twins. But sometimes, the person who is the biggest baddie isn't the one who initially appears to be.
An antagonist in a show like Better Call Saul is typically considered the person who poses a threat to the main character. Sometimes, like in the Better Call Saul companion series Breaking Bad, the protagonist is actually an anti-hero, and a villain himself. The same can be said for Better Call Saul, along with a few other characters who, while they are likable, aren't necessarily on the heroic side of the equation.
Mike
Like Nacho, Mike has a heart of gold in some ways. But even if he is visibly troubled by doing bad things, he will still do what is necessary. He did try his best to save Nacho, for example, but he reluctantly went along with the plan for the sake of his own reputation.
His ultimate goal, which is setting money aside to help his daughter-in-law and granddaughter, is admirable. But fans must also not forget that it was Mike doing dirty deeds as a police officer that ended up getting his son, who followed in his footsteps, killed. Mike is viewed as a good man, but he was also a hitman and bad guy who accepted his own fate when it was presented to him in Breaking Bad.
Nacho
Fans adored Nacho. He was loyal to his father, he desperately wanted out of the business and was willing to do anything to accomplish that. And he seemed to have a moral compass whereas a lot of the other people he was working with did not.
But it's easy to forget that Nacho was also working for a massive criminal drug organization. He threatened and likely even killed people. He tormented, tortured, and was responsible for illicit drugs being sold throughout the country, which in turn, hurt a lot of people. There were some very intense scenes with Nacho on Better Call Saul. Nacho was a good person deep down, but in reality, he was a low-key villain, too.
Kim
Kim started out as a strait-laced lawyer who had a soft spot for Saul. She is always desperate to use her knowledge and skills to help those in need, which makes her someone who could be considered a hero. But fans must also not forget that she doesn't just go along with Jimmy's plans, she sometimes instigates them.
A product of her upbringing by a mother who was no stranger to petty crimes and cons herself, Kim has two sides. Given her actions in the final season, it's clear that Kim is allowing the villainous side to peek through more and more.
Saul
Fans have loved Saul since Breaking Bad, so it's no surprise he is a fan favorite as the lead character in Better Call Saul as well. It's easy to feel pity for Saul given how his brother treated him and how, even when he tried to do things on the straight and narrow, no one ever had faith in him, or things went sideways anyway.
Nonetheless, Saul uses and manipulates people to get what he wants, and that often includes hurting them and their reputations in the process. Jimmy had some clever cons on Better Call Saul. Sometimes, it's for silly reasons, such as to play out his own revenge schemes, like with Howard. From the perspective of his clients, Jimmy, AKA Saul, is a hero. But in the eyes of people who have been burned by him, he's a terrible person.
Howard
In the final season, Howard is the subject of Saul and Kim's rage, who are on a warpath to take him down. It's not clear why they are so angered by him, beyond Kim feeling that he had been patronizing and insulting, suggesting she doesn't make her own decisions but only follows Jimmy.
Howard comes across as pompous and arrogant. While he is a villain disguised behind a charming smile, he doesn't deserve all the things Kim and Jimmy have been doing to him. Nonetheless, he represents the type of wealthy man who abuses his power and influence and treats others in a condescending way. It's no surprise, then, that one of the theories about how Better Call Saul will end, according to Reddit, is that Howard will die.
Jesse Pinkman
Going out on a limb with this entry, while Jesse hasn't yet appeared on the show, it has been confirmed that he will at some point before the series ends. Knowing his character on Breaking Bad, and considering Better Call Saul is a prequel series, he would be a young man fresh out of high school at the time.
At that time, he was a small-time drug dealer who eventually decided to team up with Walter White. He did some deplorable things throughout the series, though much of it was at the urging of Walter. Nonetheless, considering the people he hurt and the things he did, Jesse ranks among the low-key villains on the show.
Chuck
Chuck has been long gone, but when he was on the show, he was easily one of the least likable characters. He was also, however, one of the most intelligent villains on Better Call Saul. He treated Jimmy poorly and judged him in adulthood based on everything Jimmy did as a child. He held grudges for decades, never having any confidence in his brother.
It was obvious that Chuck was jealous of Jimmy, who seemed to get everything he wanted in life handed to him while Chuck struggled and worked hard to get where he was. The fact that he was upset when Jimmy passed the bar instead of being excited for him showed just how one-dimensional and mean he was.
Betsey
Betsey Kettleman was initially a victim of Saul's, part of a set-up when they hire him as their lawyer that ends up with her, her husband Craig, and their kids having to go into hiding. She reappears in the sixth season as Jimmy locates them running a tax service business from a small trailer outside of town.
But delving deeper into the story, Kim discovers that Betsey is not just a victim who is justified in detesting Jimmy for what he did, but is also scamming innocent elderly people of government money that is rightfully theirs. Betsey's life might have been turned upside down, which had fans feeling bad for her. But she was no angel.