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November 2019. 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 score may have suffered. But good news - no matter how far your score 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 November 2019
  • Secured Cards
  • Unsecured Cards
  • No Annual Fee
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Capital One® Secured Mastercard® - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

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

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • 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.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Annual Fee: $0

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Foreign Transaction Fee: None

Apply for Horizon Gold - Credit-Land.com

Rating 3.2

APPLY

Bad Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Balance Transfer Fee
See terms
Annual Fee
See Terms
  • 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

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.14% (variable)
Balance Transfer Fee
N/A
Annual Fee
$35
  • 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

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Citi<sup>®</sup> Secured Mastercard<sup>®</sup> - Credit-Land.com

Rating 3.5

APPLY

on Citi's secure website

Limited History/No Credit/ New-to-Credit/ Good

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
25.49%* Variable
Balance Transfer Fee
4% of each balance transfer; $5 minimum.
Annual Fee
$24
  • Start on the path to good credit. Use this card to help responsibly build your credit history with every use.
  • Important account information is shared with the three major credit bureaus
  • Start by placing a $300 refundable deposit into a Fifth Third Savings Account to secure your card. This deposit will fund your account and your credit limit will be tied to it.
  • Get the same conveniences and purchase protection offered by a traditional credit card
  • With responsible card usage you can be considered for future credit line increases or be eligible for an upgrade to an unsecured credit card
  • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

our choice

No Credit Check

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Green Dot <i>primor</i>® Mastercard® Gold Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.99% (Fixed)
Balance Transfer Fee
N/A
Annual Fee
$49
  • 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 Green Dot primor® Mastercard® Gold Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Credit Strong - Credit-Land.com

Rating 5.0

APPLY

Any Credit

our choice

Maximum Loan Amount
$2,000
Minimum Loan Amount
$495
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • This is a credit builder account, no loan proceeds or credit lines are issued.
  • Make monthly payments and build credit by saving each month.
  • When the loan is repaid, your savings unlock.
  • No upfront security deposit
  • Build credit history with all three major credit bureaus (Equifax, TransUnion, and Experian)
  • Free FICO® Score
  • No credit score required
  • No hard credit inquiry

our choice

Instant Response

No Credit Check

No Employment Required

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Capital One® Secured Mastercard® - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

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

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • 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.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Annual Fee: $0

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Foreign Transaction Fee: None

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
25.49%* Variable
Balance Transfer Fee
4% of each balance transfer; $5 minimum.
Annual Fee
$24
  • Start on the path to good credit. Use this card to help responsibly build your credit history with every use.
  • Important account information is shared with the three major credit bureaus
  • Start by placing a $300 refundable deposit into a Fifth Third Savings Account to secure your card. This deposit will fund your account and your credit limit will be tied to it.
  • Get the same conveniences and purchase protection offered by a traditional credit card
  • With responsible card usage you can be considered for future credit line increases or be eligible for an upgrade to an unsecured credit card
  • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

our choice

No Credit Check

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Green Dot <i>primor</i>® Mastercard® Classic Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
13.99% (Fixed)
Balance Transfer Fee
N/A
Annual Fee
$39
  • 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 Green Dot primor® Mastercard® Classic Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Green Dot <i>primor</i>® Visa® Gold Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.99% (Fixed)
Balance Transfer Fee
N/A
Annual Fee
$49
  • 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 Green Dot primor® Visa® Gold Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.14% (variable)
Balance Transfer Fee
N/A
Annual Fee
$35
  • 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

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Green Dot <i>primor</i>® Visa® Classic Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
13.99% (Fixed)
Balance Transfer Fee
N/A
Annual Fee
$39
  • 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 Green Dot primor® Visa® Classic Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Green Dot <i>primor</i>® Mastercard® Gold Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.99% (Fixed)
Balance Transfer Fee
N/A
Annual Fee
$49
  • 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 Green Dot primor® Mastercard® Gold Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Horizon Gold - Credit-Land.com

Rating 3.2

APPLY

Bad Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Balance Transfer Fee
See terms
Annual Fee
See Terms
  • 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

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.74%-25.74% Variable
Balance Transfer Fee
N/A
Annual Fee
$0 - $99
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts

our choice

Rewards

See if you Pre-Qualify without harming your credit score

Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply

No need to fret—you’re covered by $0 Fraud Liability

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Capital One® Secured Mastercard® - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

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

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
10.99% (6 months)
Regular APR
24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • 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.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Annual Fee: $0

Rewards Bonus

INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.

Rewards

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Foreign Transaction Fee: None

Apply for Citi<sup>®</sup> Secured Mastercard<sup>®</sup> - Credit-Land.com

Rating 3.5

APPLY

on Citi's secure website

Limited History/No Credit/ New-to-Credit/ Good

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

fix credit! NO TIME
TO GET DESPERATE!

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.

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.

Show more

Don't know
what to choose?

FIND A CREDIT CARD FOR YOUR NEEDS IN 3 EASY STEPS!

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What kind of credit do I need to apply for the Pottery Barn credit card?

Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this...

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