Credit Cards to Rebuild Credit

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Credit Card Applications » Credit Cards to Rebuild Credit

Rebuilding Credit Cards

No one is immune to money troubles – most of us have been in a tight financial spot at least once in our lives. Whether it's because of unemployment, illness, divorce or other family issues, or gotten in over your head due to student loans, medical bills or other expenses, your credit score may have suffered. But good news - no matter how far your score has fallen, there is always a way to raise it.

Some of the most preferable options are to get a secured credit card, become an authorized user on another account or simply get a prepaid card. While the last way won't lead you to the credit improvement directly (prepaid cards help you form a habit of managing your finances wisely), the first two can become your first step towards good credit.

Surge Mastercard®
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Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/ASee Terms* See Terms*

To apply for this card you need to have an active checking account

See card details
Capital One® Secured Mastercard®
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Minimum Required Credit History:
Limited, Bad Credit
Card Details:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/A24.99% (Variable)$0

To apply for this card you need to have an active checking account or savings account

See card details
Credit One Bank® Platinum Visa® for Building Credit
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Minimum Required Credit History:
Fair Credit
Card Details:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/A16.99% - 24.99% Variable$0 - $99
See card details
Total Visa Card
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Minimum Required Credit History:
Bad/Fair Credit
Card Details:
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/ASee Terms* See Terms*

To apply for this card you need to have an active checking account

See card details
Horizon Gold Credit Card
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Minimum Required Credit History:
Bad Credit
Where to use this card:
Use exclusively at the Horizon Outlet ( thehorizonoutlet.com ).
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
n/an/a0.00%See Terms

To apply for this card you need to have an active credit card or debit card

See card details
Total Visa Card
Compare
Minimum Required Credit History:
Bad/Fair Credit
Card Details:
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/ASee Terms*See Terms*

To apply for this card you need to have an active checking account

See card details
primor® Secured Mastercard® Classic Card
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Minimum Required Credit History:
Poor/Limited/No Credit
Card Details:
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Mastercard® Classic Card details
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/A13.99% (Fixed)$39

To apply for this card you need to have an active checking account or savings account

See card details
Discover it® Secured Card - No Annual Fee
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Minimum Required Credit History:
Please refer to issuer's website
Card Details:
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/A10.99% (6 months)23.99% Variable$0

To apply for this card you need to have an active checking account or credit card or debit card or savings account

See card details
First Access Visa
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Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/ASee Terms* See Terms*

To apply for this card you need to have an active checking account

See card details
Credit One Bank® Platinum Credit Card with Rewards
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Minimum Required Credit History:
Fair Credit
Card Details:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/A16.99% - 24.99% Variable$0 - $99
See card details
primor® Secured Visa® Gold Card
Compare
Minimum Required Credit History:
Poor/Limited/No Credit
Card Details:
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Visa® Gold Card details
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/A9.99% (Fixed)$49

To apply for this card you need to have an active checking account or savings account

See card details
OpenSky® Secured Visa® Credit Card
Compare
Minimum Required Credit History:
Bad / No Credit
Card Details:
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3,000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • Extra credit when you need it, increase your credit line up to $5,000.
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
n/an/a18.39%$35
See card details
See Also Credit Cards for BAD Credit >>

No time to get desperate – fix credit!

Despite the fact that you are drowning in debt and thinking that you are completely and utterly ruined your credit score, there still is a credit card you can apply. In fact there are several options to rebuild bad credit. They are:

  • Secured cards:
    These cards give you a line of credit on the condition that you put down a deposit to act as collateral. That protects the lender in case you default. The deposit is usually equal to the line of credit you will be granted. Most secured cards report to credit bureaus, so your regular payments and good use of the card will help your credit score go up. Just make sure the secured card you choose reports to credit bureaus – and beware of high fees. Choose a card that charges reasonable fees.
  • Becoming an authorized user on another account:
    Think of it like getting someone to cosign a loan for you. If you have a family member who is willing to apply for a credit card and add you as an authorized user, your careful and responsible use of that card can help your credit score. This is known as "piggybacking", and it's a legitimate way that many people give their credit a lift when they get stuck with a low credit score.
  • Co-branded or shopping credit cards:
    Constantly shopping on line you probably thought about getting a credit line from your favorite or one of the popular retailers, like Walmart, Fingerhut, Gettington or some others. Rebuilding credit with shopping credit cards is as real as ground under your feet. Wise and responsible credit use always works when it comes to credit repair. So applying for a shopping credit card to rebuild credit can be a good choice.
  • Prepaid cards:
    Although these cards do not help your credit get better, they are a good option if you cannot get another type of credit card due to damaged credit. They offer the convenience of a credit card but are available to anyone – no credit check is needed. Use a prepaid card while you get back on your feet financially for those situations where you really need to pay for purchases with a card.

Our Experts about Bad Credit Cards

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Small purchases, on-time payments, responsible use

Rebuilding credit takes patience and diligence. The key is to find the card that works for you and use it carefully and responsibly. That means doing a few things over several months or years, depending on how damaged your credit is. Make small purchases and pay off your balance on time to be more creditworthy.

Making small purchases means not spending more than you can easily pay off each month. If you get a secured card or get a card as an authorized user – you do need to use the card to make purchases to fix your credit history. Avoid the temptation to make purchases you cannot afford to pay off.

Always make payments on time – this is very important when you are repairing credit. It is a good idea to set up automatic payments so you never miss a due date. Depending on the card you use, you can also often set up text and email alerts so you know when a payment is due.

Using your card responsibly means staying under the credit limit and abiding by the credit card agreement. In time your credit score will bounce back and reflect your responsible use of credit. Credit card issuers will see that you are a good risk and that you are very likely to pay your debt.

Once you raise credit score, you will be eligible for lower rates, more rewards, and different credit cards. But you do have options to repair your credit, so take advantage of the one for you now.

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