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April 2024: 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 credit builder card offers from our partners below.

Show more
  • Cards of April 2024
  • Secured Cards
  • Unsecured Cards
  • Credit Builder Account
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide
Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Annual Fee: $0

Rewards

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

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

Rating 3.8

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

our choice

Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
Instant Response
Yes
  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax and Experian

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

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

Rating 4.0

APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Merrick Bank Secured Credit Card - Credit-Land.com

Rating 3.2

APPLY NOW

See website for Details*

our choice

Regular APR
22.70% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
Yes
Credit Bureau 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. We report your payment history to all three major credit-reporting agencies.
  • 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

Secured Credit Card

Build Credit

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

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

Rating 3.4

APPLY NOW

Poor to Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Simple and fast application process
  • Greater access to credit than before - $700 credit limit
  • $0 Fraud Liability* for unauthorized use offers you peace of mind
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
Yes
  • Build credit & Earn rewards.
  • Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
  • Track your credit score every month.
  • Learn with courses and pick up useful skills.
  • Earn 1% back on loan offers. Up to $1,225.
  • 0% APR / $0 fees. Instant approval. No credit check.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build** your credit.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

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

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

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

Apply for The Self Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 3.4

APPLY NOW

Limited / No Credit

our choice

Regular APR
29.24% (Variable)
Annual Fee
$25
Credit Check
No
Credit Bureau Reporting
Yes
  • Your next tool for building credit!
  • The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa® credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Your next tool for building credit!

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

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

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Everyone deserves a chance to build** credit: apply today!
  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

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

Apply for Boost Your Score - Credit-Land.com

Rating 4.2

APPLY NOW

Any Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
$850
Minimum Loan Amount
$300
Employment Required
Yes
Instant Response
No
  • Credit Boosting Made Easy.
  • No hard credit pull.
  • Positive credit reporting with every payment.
  • Secured credit card after your 4th payment.
  • Payment amounts are yours to keep, minus interest and fees.
  • Easy. Smart. Automatic.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Loans up to $850

Apply for Self - Credit Builder Account - Credit-Land.com

Rating 4.4

APPLY NOW

Limited / No Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
No
  • Choose a plan to build credit and savings at the same time!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
  • Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing

our choice

Reporting to the Major Consumer Reporting Agencies

No Employment Required

Apply for Milestone® Mastercard® - Credit-Land.com

Rating 3.4

APPLY NOW

Fair / Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • No security deposit required, even with less than perfect credit
  • Simple application process with a quick response
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Sezzle - Credit-Land.com

Rating 4.4

APPLY NOW

Poor, Fair, Good Credit

our choice

Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
Yes
  • Sezzle enables you to obtain no-interest loans for purchases.
  • No hard credit check.
  • Simple, transparent 6-week payment plan.
  • With the Sezzle subscription, Sezzle Anywhere, shoppers can shop at any retailer (in store and in person) and pay in 4 with Sezzle.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for Cushion - Credit-Land.com

Rating 4.6

APPLY NOW

Any Credit

our choice

Card Type
Virtual Card
Activation Fee
$0
Maintenance Fee
$4.99 to $12.99
Credit Check
No
Instant Response
Yes
  • Cushion offers the only solution to automatically manage, pay, and build credit – with both your existing bills and Buy Now Pay Later (Affirm, Klarna, Afterpay, etc.) payments – all within a single app.
  • Build credit on the bills and BNPL payments that you're already making.
  • Using the Cushion card ensures your bills and BNPL payments are made on time and hassle-free.
  • No deposit required.
  • No interest or extra charges.
  • The card is generally accepted everywhere Mastercard is accepted.
  • Please refer to Cushion Card’s Terms of Services and Cardholder Agreement for additional details.

our choice

Activation Fee: $0

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

Instant Response

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
15.24% (V)
Annual Fee
$49
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

SHOW MORE OFFERS
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide
Apply for Capital One Platinum Secured Credit Card - Credit-Land.com

Rating 3.8

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Annual Fee: $0

Rewards

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
25.64% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureau Reporting
Yes
  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

our choice

Rewards

New feature! Earn up to 10% cash back on everyday purchases

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Regular APR
15.24% (V)
Annual Fee
$49.00
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 major credit bureaus.
  • No minimum credit score required for approval!
  • Accepted wherever Mastercard® is accepted.
  • Applying is quick and easy with our secure online application.
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

1% Cash Back Rewards on payments.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Merrick Bank Secured Credit Card - Credit-Land.com

Rating 3.2

APPLY NOW

See website for Details*

our choice

Regular APR
22.70% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
Yes
Credit Bureau 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. We report your payment history to all three major credit-reporting agencies.
  • 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

Secured Credit Card

Build Credit

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

Apply for The Self Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 3.4

APPLY NOW

Limited / No Credit

our choice

Regular APR
29.24% (Variable)
Annual Fee
$25
Credit Check
No
Credit Bureau Reporting
Yes
  • Your next tool for building credit!
  • The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa® credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Your next tool for building credit!

our choice

Regular APR
15.24% (V)
Annual Fee
$49
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Regular APR
25.24% (V)
Annual Fee
$29
Credit Check
No
Credit Bureau Reporting
Yes
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Regular APR
19.24% (V)
Annual Fee
$39
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
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Apply for Destiny Mastercard<sup>®</sup> - Credit-Land.com

Rating 3.4

APPLY NOW

Poor to Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Simple and fast application process
  • Greater access to credit than before - $700 credit limit
  • $0 Fraud Liability* for unauthorized use offers you peace of mind
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Surge® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY NOW

Bad, Fair, Good, Excellent Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$75 - $125, after that $99 - $125 annually
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
  • 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 Milestone® Mastercard® - Credit-Land.com

Rating 3.4

APPLY NOW

Fair / Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • No security deposit required, even with less than perfect credit
  • Simple application process with a quick response
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Reflex® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY NOW

Fair/Poor/Bad/Limited Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
See Terms*
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide