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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Capital One Quicksilver Secured Cash Rewards Credit Card Hide Benefits Show Benefits	29.74% (Variable) APR	29.74% (Variable) APR No balance transfer fee	$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	29.74% (Variable) APR	29.74% (Variable) APR No balance transfer fee	$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
Petal® 1 "No Annual Fee" Visa® Credit Card Hide Benefits Show Benefits	24.49 - 33.99% Variable APR	N/A	$0	Fair / Bad / Limited / NoApply Now View Card Details
$0 Annual Fee Variable APRs range from 24.49% - 33.99% $300 - $5,000 credit limits Earn a credit limit increase in as little as 6 months. Terms and conditions apply. No credit score? No problem. If eligible, we'll create your Cash Score instead. 2% - 10% cash back at select merchants See if you're pre-approved within minutes without impacting your credit score. No annual or foreign transaction fees. Build credit alongside hundreds of thousands of Petal card members. Petal's mobile app makes it easy to manage your money, track your spending, and automate payments. Petal reports to all 3 major credit bureaus No deposits required Card issued by WebBank
OpenSky® Secured Visa® Credit Card Hide Benefits Show Benefits	21.89% (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
First Access Visa® Card Hide Benefits Show Benefits	See Terms	N/A	See Terms	Fair / BadApply Now View Card Details
Checking Account Required Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won't Easy and secure online application $300 credit limit (subject to available credit) The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Total Visa® Card Hide Benefits Show Benefits	See Terms	N/A	See Terms	Fair / BadApply Now View Card Details
Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®! Checking Account Required Fast and easy application process; response provided in seconds A genuine Visa credit card accepted by merchants nationwide across the USA and online Manageable monthly payments $300 credit limit (subject to available credit) Reports monthly to all three major credit bureaus
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	24.49% (V) APR	N/A	$29	Poor / Limited / NoApply Now View Card Details
Receive Your Card More Quickly with New Expedited Processing Option No Credit History or Minimum Credit Score Required for Approval Quick and Complete Online Application; No credit inquiry required! Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users! Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted! Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application Just Pay Off Your Balance and Receive Your Deposit Back at Any Time 24/7 Online Access to Your Account Nationwide program; available in all 50 US states *See Card Terms. Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined. ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia. Make 6-months of on-time payments & you'll be invited to apply for an unsecured First Digital Mastercard!
First Progress Platinum Select Mastercard® Secured Credit Card Hide Benefits Show Benefits	18.49% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account. No minimum credit history or credit score required! Imagine being rewarded for simply paying your bill each month. Accepted wherever Mastercard® is accepted, online and worldwide! Reports to all 3 major credit bureaus Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
First Progress Platinum Prestige Mastercard® Secured Credit Card Hide Benefits Show Benefits	14.49% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards on payments! No minimum credit history or credit score required. Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards! Accepted wherever Mastercard® is accepted, online and worldwide! Reports to all 3 major credit bureaus. Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
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	26.99% Variable APR	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.
Applied Bank® Unsecured Classic Visa® Card Hide Benefits Show Benefits	29.99% APR	N/A	See website for Details*	Poor / DamagedApply Now View Card Details
Get Pre-Qualified in Less Than a Minute A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online! A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus No Penalty Rate. Your Rate Won't Go Up Even If You are Late Access Additional Credit With On-Time Payments and Responsible Usage A True Unsecured EMV enabled (chip) Visa Credit card Does not require perfect credit for approval Fixed APR and Manageable Monthly Payments
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	21.95% 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 for first year. After that, $48.00 annually.	See Website For Details*Apply Now View Card Details
Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card - accepted at millions of merchant and ATM locations worldwide and online. 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. Easy and secure online application - It takes just moments to apply. Issued by Synovus Bank, Member: FDIC
Destiny Mastercard® Hide Benefits Show Benefits	24.9% APR	24.9% APR	$59-$99	Poor To Good CreditApply Now View Card Details
All the benefits of a Mastercard, without a security deposit Keeping your account in good standing may help establish and/or improve your credit history Less than perfect credit is okay, even with a prior bankruptcy! Prequalify for a card today and it will not impact your credit score Reports to all three major credit bureaus
Milestone® Mastercard® - Less Than Perfect Credit Considered Hide Benefits Show Benefits	24.9% APR	N/A	$35 - $99*	Poor / BadApply Now View Card Details
Prequalify for a card today and it will not impact your credit score Less than perfect credit is okay Mobile account access at any time Protection from fraud if your card is stolen Account history is reported to the three major credit bureaus in the U.S *Dependent on credit worthiness
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! 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 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
Indigo® Mastercard® for Less than Perfect Credit Hide Benefits Show Benefits	24.9% APR	N/A	$0 - $99	Bad / PoorApply Now View Card Details
Pre-qualify for a card today and it will not impact your credit score Less than perfect credit is okay Mobile account access at any time Fraud protection for stolen or lost cards Account history is reported to the three major credit bureaus in the U.S.
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit Hide Benefits Show Benefits	24.9% APR	N/A	$35 - $99*	Poor / BadApply Now View Card Details
Easy pre-qualification process which does not affect your credit score Less than perfect credit is okay 24/7 access to your account information, even on mobile Protection from fraud, if your card happens to be lost or stolen Reports to all three major credit bureaus
Merrick Bank Double Your Line® Secured Credit Card Hide Benefits Show Benefits	21.95% Variable APR	N/A	$36 the first year. Billed $3 per month thereafter	See Website For DetailsApply Now View Card Details
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 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
Destiny Mastercard® Cashback Rewards Hide Benefits Show Benefits	35.9% APR	N/A	$175 the first year; $49 thereafter	Poor To Good CreditApply Now View Card Details
Earn 1.5% cashback rewards on all of your eligible purchases! Reports to all three major credit bureaus Nationwide acceptance - use anywhere Mastercard is accepted in app, in store, and online
First Latitude Platinum Mastercard® Secured Credit Card Hide Benefits Show Benefits	23.74% (V) APR	N/A	$25 for the first year, after that $35 annually	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Building credit starts immediately when you open your account - just pay your bill on time to establish your credit.* Reports to all 3 major credit bureaus First Latitude is accepted wherever Mastercard® is accepted, online and worldwide! Pay 6-months-on-time and apply to get a second credit card in your wallet! 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.