Rebuild Credit with Credit Cards for Bad Credit

If you have fallen hard financially, you may have damaged your credit score. You can apply for the subprime credit cards that are designed for people with bad credit to rebuild your credit history. Or you may start with the secured credit cards that report your responsible payment records to the three major credit bureaus – Equifax, Experian and TransUnion. As long as you pay off your credit-card balance on time each month, your credit rating will improve.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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First Latitude Platinum Mastercard® Secured Credit Card Hide Benefits Show Benefits	24.49% (V) APR rates & fees	N/A	$25.00 for the first year, after that $35.00 annually*	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own fully-refundable credit line - $100 to $2000 - based on your security deposit Build your credit score.† 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. *See Important Disclosures for complete offer details
Total Visa® Card Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	$75.00 1st year, $48.00 after*	Fair / BadApply Now View Card Details
Earn 1% cash back rewards on payments made to your Total Credit Card Checking Account Required $300 credit limit (subject to available credit) No security deposit, simply pay a one-time $95 program fee to open your account.* User friendly Mobile App. *See Rates, Fees, Costs & Limitations for complete offer details See Total Card Visa Rewards Programs Terms & Conditions for details
First Access Visa® Card Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	$75.00 1st year, $48.00 after*	Fair CreditApply Now View Card Details
Earn 1% cash back rewards on payments made to your First Access Credit Card Checking Account Required $300 credit limit (subject to available credit) No security deposit, simply pay a one-time $95 program fee to open your account.* User friendly Mobile App. *See Rates, Fees, Costs & Limitations for complete offer details See First Access Rewards Programs Terms & Conditions for details
OpenSky® Plus Secured Visa® Credit Card Hide Benefits Show Benefits	29.99% (variable) APR	N/A	$0	No Credit, Poor, Fair CreditApply Now View Card Details
No annual fee No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit Get considered for an unsecured credit line increase after 6 months - no additional deposit Monitor your credit progress with free access to your FICO Credit Score. Reports to all 3 major credit bureaus monthly to establish and build credit history. Secure your credit line with a refundable security deposit - as low as $300. Easy application, apply in less than 5 minutes right from your mobile device Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule Now you can make smaller partial payments towards funding your security deposit over 60 days Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Capital One Quicksilver Secured Cash Rewards Credit Card Hide Benefits Show Benefits	30.74% (Variable) APR rates & fees	30.74% (Variable) APR $0 at the Transfer APR	$0	Limited, Bad CreditApply Now View Card Details
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
Capital One Platinum Secured Credit Card Hide Benefits Show Benefits	30.74% (Variable) APR rates & fees	30.74% (Variable) APR $0 at the Transfer APR	$0	Limited, Bad CreditApply Now View Card Details
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
OpenSky® Secured Visa® Credit Card Hide Benefits Show Benefits	22.64% (variable) APR	N/A	$35	Poor CreditApply Now View Card Details
No credit check to apply and find out instantly if you are approved OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years Get considered for a credit line increase after 6 months, with no additional deposit required You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit Easy application, apply in less than 5 minutes right from your mobile device Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule *View the cardholder agreement
Reflex® Platinum Mastercard® Hide Benefits Show Benefits	29.99% APR (Variable) APR	N/A	See Terms	Fair / Poor / Bad / LimitedApply Now View Card Details
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 Free 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
Applied Bank® Secured Visa® Gold Preferred® Credit Card Hide Benefits Show Benefits	9.99% Fixed APR	N/A	$48	Poor / Fair / Limited / DamagedApply Now View Card Details
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
First Progress Platinum Elite Mastercard® Secured Credit Card Hide Benefits Show Benefits	25.24% (V) APR	N/A	$29	Poor / Limited / NoApply Now View Card Details
Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Select Mastercard® Secured Credit Card Hide Benefits Show Benefits	19.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Prestige Mastercard® Secured Credit Card Hide Benefits Show Benefits	15.24% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Revenued Business Card Hide Benefits Show Benefits	N/A	N/A	$0	Bad, Good CreditApply Now View Card Details
Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership. Earn 3% cash back on every single card purchase. All categories apply. The card that cares less about your credit score and more about your business. Includes the Revenued Flex Line. A flexible line and business card bundled in one. No application, annual, or draw fee. Terms apply. Spending limit determined by cash flow of your business and other factors.
Unique Platinum Hide Benefits Show Benefits	0% APR	0% APR	N/A	Any Credit WelcomeApply Now View Card Details
$1000 Credit Limit No Credit Checks Instant Approval 0% Financing No application denied for bad credit! *See terms and conditions
Freedom Gold Card Hide Benefits Show Benefits	0% APR	0% APR	See website for Details*	Damage Credit To Fair CreditApply Now View Card Details
$750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com) Instant Approval* No Credit Check No Employment Check Fast online application Bad Credit - OK
Self - Credit Builder Account + Secured Visa® Credit Card Hide Benefits Show Benefits	N/A	N/A	See website for Details*	Poor / BadApply Now View Card Details
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. No credit score is needed to get started! Self Credit Builder Account and secured Visa® credit card are designed to help you build credit. Once you've opened a Credit Builder Account, you can use the payments you're already making to fund the security deposit for a credit card. When paired together, both can be a powerful tool to build your credit.
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	22.70% Variable APR	N/A	$36 for first year. Billed $3 per month thereafter	See Website For Details*Apply Now View Card Details
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.
First Digital Mastercard® Hide Benefits Show Benefits	35.99%* APR	N/A	$75.00 1st year, $48.00 after*	Poor / Damaged / FairApply Now View Card Details
Earn 1% cash back rewards on payments made to your First Digital Credit Card Checking Account Required $300 credit limit (subject to available credit) Build up your credit history with a card that reports to all three major credit bureaus every month. Perfect credit not required for approval; we may approve you when others won't. *See Rates, Fees, Costs & Limitations for complete offer details See Cash Back Rewards Programs Terms & Conditions for details
Destiny Mastercard® Hide Benefits Show Benefits	See terms	See terms	See terms	Poor To Good CreditApply Now View Card Details
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!
Net First Platinum Hide Benefits Show Benefits	0% APR	N/A	See website for Details*	Damaged Credit To Fair CreditApply Now View Card Details
No Employment or Credit Check Bad Credit, No Credit - OK Always 0.0% APR Fast Online Applications
Surge® Platinum Mastercard® Hide Benefits Show Benefits	29.99% APR (Variable)	N/A	See website for Details*	See Website For Details*Apply Now View Card Details
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
Revvi Visa® Credit Card Hide Benefits Show Benefits	35.99% Fixed APR rates & fees	N/A	$75 first year, then $48	550 - 620 CreditApply Now View Card Details
Earn 1% Cash Back Rewards on All Purchases with Revvi! The Perfect Card for Not-So-Perfect Credit If approved, pay the $95 Program Fee to open your account Fast and easy application process with a response provided in seconds! Reports to All Three Major Bureaus to Build Your Credit History Eligible for a Credit Line Increase after 12 months of on-time payments! Choose between 2 free card designs and 4 Premium designs Accepted by Merchants Across US & Online Free Credit Monitoring Powered by TransUnion Simple, Powerful Mobile App