Rebuild Bad Credit with a Credit Card

There are many reasons a person might need to rebuild credit. Unemployment, bankruptcy, illness, divorce or other circumstances can lead to problems with paying off the debt, which impacts your credit score. Or maybe you just have a short credit history. Having a low credit score - typically 620 or less - doesn`t mean you can`t get approved for credit card. It just means you have to apply for the right one. There are many credit cards to apply when you are trying to improve credit score. And from all the variety you need the card which helps rebuilding credit.

Best Cards for People Rebuilding Credit

Guaranteed Approval
Best for Rebuilding Credit
0% APR
Horizon Gold Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. n/a
Intro APR on Purchases n/a
Regular APR 0.00%
Annual Fee See Terms
Guaranteed $500 Unsecured Credit Limit
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
Consumer Rating: 4 / 5

Other Cards to Rebuild Credit

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
Annual Fee
Application Processing Fee
National Credit Direct
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Any 0.0% $49 $0
Consumer Rating: 4 / 5
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Fingerhut Credit Account
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Bad 25.15% $0 See Terms
Consumer Rating: 4 / 5
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • $25 Off $100 - Expires 5/2/2017. PROMO CODE: NC566
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Site for Terms & Conditions.
primor® Secured Visa Classic Card
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Poor/Limited/No 13.99% (Fixed) $39 N/A
Consumer Rating: 4 / 5
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
  • *See application for additional details

6 In Accordance with Terms and Conditions.

Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
Please, select your credit score
Please, select your bankruptcy status
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Select the state of your residence
Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Know your credit repair opportunities

People often apply for wrong credit cards in their attempts to repair their credit. As a result their applications are denied and their credit scores continue rushing down. So how to rebuild credit when your credit score is low? Here we give you several ways, which one to choose is up to you:

Catalog cards (also known as shopping cards):

These cards are linked to a specific retailer and can be used to buy goods from their online or mail-order catalogs. You will be able to buy almost anything you need, from kitchen utensils, beauty supplies and clothing to outdoor gear and sports equipment. With the convenience to buy products at your favorite retailers you also get the opportunity to fix credit history.

Secured cards:

If you prefer a major credit card that is accepted at most locations, a secured card may be a better choice for you. The catch is, you will have to put down a deposit up front, to act as collateral. The amount you put down will usually be equal to the line of credit you are granted. Cards for bad credit:

There are some unsecured credit cards designed especially for people with bad credit. They often have high APRs, and may carry more fees than credit cards for good credit, but if they are used responsibly they can help you repair your credit.

Prepaid cards:

You might think that a prepaid card, which anyone can be approved for with no credit check, is a good idea for you if your credit is bad. While they are a good option when you need the convenience of using card, there is one problem - they do not report to the consumer reporting agencies. So although prepaid cards can be great, they will not help you rebuild your credit.
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* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners. makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that may be compensated by the credit card issuers when the readers apply for a credit card through this site. is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. does not review or list all available financial or credit offers.