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 history. Or maybe you just have a short credit history. Having a low credit history - typically 620 or less - doesn't mean you can't get approved for a 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 history. And from all the variety you need the card which helps rebuild credit.

BUILD OR REBUILD YOUR CREDIT

4
Card Overall Rating
Bad / No Credit
Regular APR
17.39% (variable)
Annual Fee
$35
Application Processing Fee
See Terms
Credit Bureaus Reporting
Yes
  • 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.

Best Cards for People Rebuilding Credit

4
Card Overall Rating
  • 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
Regular APR
9.99% (Fixed)
Annual Fee
$48
Application Processing Fee
None
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Fair/Bad/Limited/No Credit
  • Simple and transparent
  • Fast and easy application process
  • 24/7 payments through a best-in-class online portal
  • Stronger credit with responsible use
  • If you're looking to access your funds quickly, stretch your money further and build a stronger financial foundation for your life, Avant Mastercard® is the perfect card option for you.
  • Checking to see if you qualify does not impact your current credit score and the application process is fast and easy.
  • Credit Rebuilding: Avant Credit Card is designed to help you rebuild your credit with responsible use
  • Borrowing Sensibly: You like to be in control and you hate surprises. With our card, you get access to credit at a fair price
  • Establishing New Credit: A stellar credit score doesn’t happen overnight. Avant Credit Card is a simple, affordable step to building a solid credit history
Regular APR
25.99% (Variable)
Annual Fee
$39
Application Processing Fee
0
Credit Bureaus Reporting
Yes
3
Card Overall Rating
  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
Regular APR
18.90% (fixed)
Annual Fee
$39.00
Application Processing Fee
See terms
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
Limited / No Credit
  • 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.
  • Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options.
Checking Account Required
Yes
Maximum Loan Amount
$1,700
Minimum Loan Amount
$525
Employment Required
Yes
4
Card Overall Rating
Fair/Poor/Bad/Limited Credit
  • 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 TransUnion* (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
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms
Application Processing Fee
See Terms*
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Fair/Bad/Limited/No Credit
  • Simple and transparent
  • Fast and easy application process
  • 24/7 payments through a best-in-class online portal
  • Stronger credit with responsible use
  • If you're looking to access your funds quickly, stretch your money further and build a stronger financial foundation for your life, Avant Mastercard® is the perfect card option for you.
  • Checking to see if you qualify does not impact your current credit score and the application process is fast and easy.
  • Credit Rebuilding: Avant Credit Card is designed to help you rebuild your credit with responsible use
  • Borrowing Sensibly: You like to be in control and you hate surprises. With our card, you get access to credit at a fair price
  • Establishing New Credit: A stellar credit score doesn’t happen overnight. Avant Credit Card is a simple, affordable step to building a solid credit history
Regular APR
24.99% (Variable)
Annual Fee
$59
Application Processing Fee
0
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • 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.
Regular APR
17.39% (variable)
Annual Fee
$35
Application Processing Fee
See Terms
Credit Bureaus Reporting
Yes
Surge Mastercard® Application
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4
Card Overall Rating
See website for Details*
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (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
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
Application Processing Fee
See Terms*
Credit Bureaus Reporting
Yes

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 history continue rushing down. So how to rebuild credit when your credit history 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.

GET YOUR OFFER MATCH
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Debit Card
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
A credit card is the easiest way to improve your credit history. But it’s better not to apply for a credit card right away the bankruptcy is discharged. It is wise to wait at least six month. If you can’t wait, make sure all your reports...
You may find different credit card offers aimed at people with bad credit. It is important to understand your financial situation and preferences to recommend the best card for bad credit. First of all, you should consider fees and interest rates....
Prepaid cards do not help your credit because the activity on the card is not reported to the credit bureaus. But secured cards are good option if you want to improve your credit history. The issuers of secured credit cards report the credit...
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