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 - doesnt 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.

4
Card Overall Rating
Limited, Bad Credit
Regular APR
26.99% (Variable)
Annual Fee
$0
Application Processing Fee
See terms
Credit Bureaus Reporting
Yes
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200

Best Cards for People Rebuilding Credit

Discover it® Secured Application
Compare
on Discover's secure website
5
Card Overall Rating
New/Rebuilding
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Regular APR
24.49% Variable
Annual Fee
$0
Application Processing Fee
See terms
Credit Bureaus Reporting
Yes
Horizon Gold Application
Compare now (15) »
4
Card Overall Rating
Bad Credit
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Regular APR
0.00%
Annual Fee
See Terms
Application Processing Fee
See Terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
All Credit
  • Start on the path to good credit. Use this card to help responsibly build your credit history with every use.
  • Important account information is shared with the three major credit bureaus
  • Start by placing a $300 refundable deposit into a Fifth Third Savings Account to secure your card. This deposit will fund your account and your credit limit will be tied to it.
  • Get the same conveniences and purchase protection offered by a traditional credit card
  • With responsible card usage you can be considered for future credit line increases or be eligible for an upgrade to an unsecured credit card
  • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details
Regular APR
25.49%* Variable
Annual Fee
$24
Application Processing Fee
See terms
Credit Bureaus Reporting
No
Green Dot primor® Mastercard® Gold Secured Credit Card Application
Compare
at Green Dot primor's secure site
4
Card Overall Rating
Poor/Limited/No Credit
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Mastercard® Gold Secured Credit Card details
Regular APR
9.99% (Fixed)
Annual Fee
$49
Application Processing Fee
N/A
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Bad / No Credit
  • 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
19.14% (variable)
Annual Fee
$35
Application Processing Fee
See Terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Fair Credit
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
  • Show off your personality by selecting from a variety of card designs, a fee may apply
Regular APR
19.74%-25.74% Variable
Annual Fee
$0 - $99
Application Processing Fee
See terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Bad/Fair Credit
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Regular APR
0.0%
Annual Fee
See Terms*
Application Processing Fee
$0
Credit Bureaus Reporting
Yes
5
Card Overall Rating
Fair Credit
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Regular APR
19.74%-25.74% Variable
Annual Fee
$0 - $99
Application Processing Fee
See terms
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
Any Credit
  • This is a credit builder account, no loan proceeds or credit lines are issued.
  • Make monthly payments and build credit by saving each month.
  • When the loan is repaid, your savings unlock.
  • No upfront security deposit
  • Build credit history with all three major credit bureaus (Equifax, TransUnion, and Experian)
  • Free FICO® Score
  • No credit score required
  • No hard credit inquiry
Checking Account Required
Yes
Maximum Loan Amount
$2,000
Minimum Loan Amount
$495
Employment Required
No

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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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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