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
Fair / Bad Credit
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Program Fee
See Issuer Website
Credit Bureaus Reporting
Yes
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

Best Cards for People Rebuilding Credit

4
Card Overall Rating
Fair / Bad Credit
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Program Fee
See Issuer Website
Credit Bureaus Reporting
Yes

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
Fair/Limited Credit
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build up your Credit 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.
  • You may be eligible for a Credit Line Increase after six months.
  • Easy and secure online application – it just takes moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC.

This offer is not available in New York and Wisconsin.

Regular APR
See Terms*
Annual Fee
See Terms*
Program Fee
See Terms*
Credit Bureaus Reporting
Yes

The Merrick Bank offers are not available in Wisconsin.

4
Card Overall Rating
See website for Details*
  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

The Merrick Bank offers are not available in Wisconsin.

Regular APR
19.45% - 28.45% *Variable
Annual Fee
$0-$72
Program Fee
See Terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • 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
  • 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
  • Enjoy protection from unauthorized purchases with $0 fraud liability
    *View the cardholder agreement
Regular APR
17.39% (variable)
Annual Fee
$35
Program Fee
See Terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your free online access to your Experian credit score, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
Regular APR
23.99% (Variable)
Annual Fee
$75/$99
Program Fee
N/A
Credit Bureaus Reporting
Yes

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

3
Card Overall Rating
Poor/Limited/No Credit
  • 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 though not yet available in NY, IA, AR, or WI ** See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

Regular APR
9.99% (V)
Annual Fee
$49
Program Fee
N/A
Credit Bureaus Reporting
Yes

The Merrick Bank offers are not available in Wisconsin.

4
Card Overall Rating
See website for 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 100% U.S.-based customer service & 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.

The Merrick Bank offers are not available in Wisconsin.

Regular APR
17.45% Variable
Annual Fee
$36 the first year. Billed $3 per month thereafter
Program Fee
See terms
Credit Bureaus Reporting
Yes
5
Card Overall Rating
  • Extra is the first debit card that builds credit and earns rewards points just like a credit card.
  • Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills.
  • Extra is compatible with over 10,000+ banks across the United States—keep your money where you want, while spending smarter with Extra.
  • No Credit Checks.
  • No Deposit Required.
  • No interest charges or surprises.
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
Starting at just $7/month
Overdraft Available
Yes
4
Card Overall Rating
  • NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
  • Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
  • Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
  • Up to $10,000 credit limit
  • No credit check or US credit history required.
  • No SSN required for non US citizens.
  • Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
  • No annual fee, no minimum security deposit.
  • Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
  • Please see https://sablecard.com/tcs for terms and conditions.
Regular APR
Prime + 6.99% APR
Annual Fee
$0
Program Fee
N/A
Credit Bureaus Reporting
Yes

The Merrick Bank offers are not available in Wisconsin.

3
Card Overall Rating
See website for 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

The Merrick Bank offers are not available in Wisconsin.

Regular APR
17.45% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Program Fee
See terms
Credit Bureaus Reporting
Yes

This offer is not available in Wisconsin.

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.

This offer is not available in Wisconsin.

Regular APR
18.90% (fixed)
Annual Fee
$39.00
Program Fee
See terms
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Fair / Bad Credit
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Program Fee
See Issuer Website
Credit Bureaus Reporting
Yes

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

3
Card Overall Rating
Poor/Limited/No Credit
  • 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 though not yet available in NY, IA, AR, or WI ** See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

Regular APR
19.99% (V)
Annual Fee
$29
Program Fee
N/A
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

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

3
Card Overall Rating
Poor/Limited/No Credit
  • Credit lines available from $200 to $5,000! Low 13.99% variable 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!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • 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.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Gold Secured Mastercard® details

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

Regular APR
13.99% (V)
Annual Fee
$39
Program Fee
N/A
Credit Bureaus Reporting
Yes
Surge Mastercard® Application
Compare now (15) »
4
Card Overall Rating
See website for 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
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
Program Fee
See Terms*
Credit Bureaus Reporting
Yes

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

3
Card Overall Rating
Poor/Limited/No Credit
  • Credit lines available from $200 to $5,000! Super Low 9.99% variable 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!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • 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.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Platinum Secured Mastercard® details

This offer is not available in Arkansas, Iowa, New York, Wisconsin.

Regular APR
9.99% (V)
Annual Fee
$49
Program Fee
N/A
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.

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Credit Card
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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