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December 2020. Credit Cards
to rebuild credit

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 history may have suffered. But good news - no matter how far your history has fallen, there is always a way to raise it. Just take your first step towards good credit with offers from our partners below.

Show more
  • Cards of December 2020
  • Secured Cards
  • Unsecured Cards
Regular APR
Annual Fee
Credit Check
Credit Bureaus Reporting
Hide

our choice

Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureaus Reporting
Yes
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Regular APR
22.99% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

our choice

Annual Fee: $0

Rewards Bonus

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Foreign Transaction Fee: None

Apply for Secured Mastercard® from Capital One - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Bureaus Reporting
Yes
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Merrick Bank Secured Visa® from Merrick Bank - Credit-Land.com

Rating 3.2

APPLY

See website for Details*

our choice

Regular APR
17.45% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
No
Credit Bureaus Reporting
Yes
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
17.45% Variable
Annual Fee
$36 the first year. Billed $3 per month thereafter
Credit Check
No
Credit Bureaus Reporting
Yes
  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for PCB Secured Visa® - Credit-Land.com

Rating 3.2

APPLY

Bad/No Credit

our choice

Regular APR
18.90% (fixed)
Annual Fee
$39.00
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Upon credit approval, choose your initial collateral deposit between $200 and $1000; your credit limit will equal the collateral deposit amount.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit with responsible use.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account

our choice

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Visa cards are accepted

Apply for Credit Saint - Credit-Land.com

Rating 0.0

APPLY

our choice

Free Equifax Score
Yes
Free Experian Score
Yes
Free TransUnion Score
Yes
Monthly Fee
See Company's Website
  • Ranked #1 in Challenging Inaccurate Credit Data
  • A Worry Free Service
  • 90-day Money Back Guarantee
  • Private, Simple & Confident Credit Repair
  • 90-day Money Back Guarantee
  • Help Understanding Your Credit Score
Apply for Horizon Gold - Credit-Land.com

Rating 3.8

APPLY

Bad/No Credit

our choice

Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Credit Bureaus Reporting
Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Petal® 1 <q>No Annual Fee</q> Visa® Credit Card - Credit-Land.com

Rating 4.3

APPLY

Fair/Bad/Limited/No Credit

our choice

Regular APR
19.99 - 29.49% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits
  • Variable APRs 19.99 - 29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

our choice

Annual Fee: $0

Rewards

2% - 10% cash back from select merchants

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Journey Student Rewards from Capital One - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

our choice

Annual Fee: $0

Rewards

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Bureaus Reporting
Yes
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Checking Account Required
No
Maximum Loan Amount
$1,700
Minimum Loan Amount
$525
Employment Required
Yes
Instant Response
No
  • Get the savings plan that helps build credit today!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
  • Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

SHOW MORE CARDS
Regular APR
Annual Fee
Credit Check
Credit Bureaus Reporting
Hide
Apply for Secured Mastercard® from Capital One - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Regular APR
22.99% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

our choice

Annual Fee: $0

Rewards Bonus

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Foreign Transaction Fee: None

Apply for PCB Secured Visa® - Credit-Land.com

Rating 3.2

APPLY

Bad/No Credit

our choice

Regular APR
18.90% (fixed)
Annual Fee
$39.00
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Upon credit approval, choose your initial collateral deposit between $200 and $1000; your credit limit will equal the collateral deposit amount.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit with responsible use.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account

our choice

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Visa cards are accepted

our choice

Regular APR
17.45% Variable
Annual Fee
$36 the first year. Billed $3 per month thereafter
Credit Check
No
Credit Bureaus Reporting
Yes
  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureaus Reporting
Yes
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Bureaus Reporting
Yes
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Merrick Bank Secured Visa® from Merrick Bank - Credit-Land.com

Rating 3.2

APPLY

See website for Details*

our choice

Regular APR
17.45% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
No
Credit Bureaus Reporting
Yes
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Regular APR
Annual Fee
Credit Check
Credit Bureaus Reporting
Hide
Apply for Horizon Gold - Credit-Land.com

Rating 3.8

APPLY

Bad/No Credit

our choice

Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Credit Bureaus Reporting
Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Petal® 1 <q>No Annual Fee</q> Visa® Credit Card - Credit-Land.com

Rating 4.3

APPLY

Fair/Bad/Limited/No Credit

our choice

Regular APR
19.99 - 29.49% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits
  • Variable APRs 19.99 - 29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

our choice

Annual Fee: $0

Rewards

2% - 10% cash back from select merchants

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Regular APR
25.90% - 29.99%
Annual Fee
$75 - $99
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Petal® 2 <q>Cash Back, No Fees</q> Visa® Credit Card - Credit-Land.com

Rating 4.7

APPLY

Excellent/Good/Limited/No Credit

our choice

Regular APR
12.99% - 26.99% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back from select merchants
  • $500 - $10,000 credit limits
  • Variable APRs 12.99% - 26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

our choice

Annual Fee: $0

Rewards

Up to 1.5% cash back after making 12 on-time monthly payments

1% cash back on eligible purchases right away

2% - 10% cash back from select merchants

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Bureaus Reporting
Yes
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

fix credit! NO TIME
TO GET DESPERATE!

Despite the fact that you are drowning in debt and thinking that you completely and utterly ruined your credit history, there is still a credit card you can apply for. 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 history 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 history. 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 history.

  • 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 can help 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.

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 history 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 history, 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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