Ad Disclosure

Compare Credit Cards to Rebuild Credit

If you have a limited credit history, or past or current credit issues, you may not qualify for all credit cards. Luckily, secured credit cards are a great option. Secured cards are guaranteed by your funds, which act as a security deposit in case you default on the loan with the credit card company. The nice thing about secured cards is that they work, act and look just like regular credit cards, which is important if you need to rebuild your credit. In fact, most of these cards will report your payment history to credit bureaus and reporting agencies to help boost your credit history. Prepaid cards are another great option for those with poor credit, although they won't help improve your credit like secured cards do. Prepaid cards act like a debit card, requiring you to deposit the amount you wish to spend ahead of time. We review secured cards from our partners in this section, but if you're interested in prepaid cards take a look at our Prepaid Cards reviews. To learn more about credit cards, see our Credit Card FAQs.

Credit Cards to Rebuild Credit

Updated 08-29-2014

Name & CardPurchase APRType of CardSecured Card DepositFeesHelps Credit History? Our Rating & Bottom Line
Capital One® Secured Mastercard®
Capital One<sup>®</sup> Secured Mastercard<sup>®</sup>22.9% variableSecured Mastercard for those with poor or no credit$49, $99 or $200$29 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Top pick for rebuilding your credit history; strong choice for those with poor credit; includes 3-bureau credit reporting
OpenSky® Secured Visa® Credit Card
OpenSky<sup>®</sup> Secured Visa<sup>®</sup> Credit Card17.5% variableSecured Visa for those with poor or no credit$200$29 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Smart pick for those looking to rebuild their credit; includes 3-bureau credit reporting
First Progress Premium Elite MasterCard® Secured Credit Card
First Progress Premium Elite MasterCard<sup>®</sup> Secured Credit Card19.99% variableSecured Mastercard for those with poor or no credit$300$29 annual feeReports to all 3 credit bureaus every month
Our Rating:
Great choice for those with poor credit; includes 3-bureau credit reporting
Applied Bank® Secured Visa® Gold Credit Card
Applied Bank<sup>®</sup> Secured Visa<sup>®</sup>  Gold Credit Card9.99% (Fixed)Secured Visa card for those with poor or no credit$200$50 annual feeReports to Experian and TransUnion credit bureaus every month
Our Rating:
Good choice for those with poor credit; Experian and TransUnion credit reporting
Name & Card Purchase APR Type of Card Secured Card Deposit Fees Helps Credit History? Our Rating & Bottom Line
Platinum Zero® Secured Visa® Card from Applied Bank
Platinum Zero<sup>®</sup>  Secured Visa<sup>®</sup> Card from Applied Bank0% APRSecured Visa card for those with poor or no credit$500$9.95 maint fee/month
($119.40 annually)
Reports to Experian and TransUnion credit bureaus every month
Our Rating:
0% APR on purchases is good for those who carry a balance; Experian and TransUnion credit reporting; maintenance fees are a bit high

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

Select Next Advisor Blog Posts

Citi Double Cash Card: New Cash Back Card on the Block
The CitiŽ Double Cash Card (a NextAdvisor advertiser) is Citi's attempt to be a major player in the cash back credit card game. In recent years Citi has had great 0% Intro APR cards but has not been able to compete with some other major issuers when it came to the quality of their cash back [...]

5 Things Excellent Credit Can Do for You
Have you ever thought of how an excellent credit score may impact your life? It's no secret that there are a number of benefits to having a high score. Simply put, it can affect many of your current and future financial decisions. If your credit is excellent, for instance, you have a better chance at [...]

How Well Do You Know Your Credit Card?
Credit cards are a go-to form of payment for millions and millions of people throughout this country. Since they play such an important role in all of our lives, it's essential to make sure we understand nearly every aspect of our credit cards, considering we're the ones who have to foot the bill. How well [...]

4 Best Cash Back Credit Cards
Are you looking for a credit card that allows you to earn cash for each purchase you make? If so, you're in luck. We've researched the best cash back credit cards and found the top four that will earn you the most bang for your buck on all of your regular purchases at grocery stores, [...]

Credit Card vs. Charge Card: What's the Difference?
As you're looking for a new credit card, you may have a difficult time deciding between a credit card and charge card. While these two options may seem to be very similar, they are actually quite different credit options. What is a credit card? The widely popular option, a credit card is the best choice for anyone [...]

Showdown: AmEx Bluebird vs AmEx Serve
Prepaid cards are becoming increasingly popular and appealing to a broader range of customers by offering better features and functionality. Convenience-wise, they can be used in physical stores and online just like debit cards or credit cards and many people appreciate no credit check is required to obtain a card. To use the card you load [...]


Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.