Credit Cards to Rebuild Credit

Advertising Disclosure

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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.

Capital One® Secured Mastercard®
Compare
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
primor® Secured MasterCard Classic Card
Compare
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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit 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
Credit One Bank® Platinum Visa® for Building Credit
Compare
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/A16.74% - 24.74% Variable$0 - $99
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
Credit One Bank® Platinum Credit Card with Rewards
Compare
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/A16.74% - 24.74% Variable$0 - $99
See card details
Discover it® Secured Card - No Annual Fee
Compare
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.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • 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.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
  • 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
Milestone® MasterCard® with Free Choice of Card Image
Compare
Minimum Required Credit History:
Fair / Good Credit
Card Details:
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual Fee
N/AN/A23.9%$35 - $99*
See card details
Surge Mastercard®
Compare
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
Horizon Gold Credit Card
Compare
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
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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit 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
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

latest news:

New Credit Card from Santander Bank New Credit Card from Santander Bank

Santander Bank has added the Ultimate Cash Back Credit Card to their portfolio, with the new card offering consumers 1.5% cash back on everyday purchases, whether they are pumping gas, buying a coffee or booking a vacation. There are no limits on...Continue reading

More bad credit cards news

related research:

Credit Score Makeover: How to Get a High Score from the Credit Bureaus Credit Score Makeover: How to Get a High Score from the Credit Bureaus

Achieving a high credit score is easier to do when you know what factors go into your score, and what matters most. This credit score tune-up guide reveals which factors carry the most weight when credit bureaus calculate your credit score, and how...Continue reading

More bad credit cards research

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.

Credit Cards to Rebuild Credit
Latest Deals & Tips
about Cards for
Bad Credit
in your inbox.
Subscribe for FREE!

Rebuild Credit Video

Build Your History from Scratch with Credit Cards

February 28, 2015

Questions & Answers about
Bad Credit Cards

See Also Other Card Offers: