NextAdvisor's

Best Credit Cards to Rebuild Credit

Limited credit history or working to rebuild your credit? Secured credit cards are a great option for you. These cards offer an effective way to build credit. In fact, most of the cards we review will report your payment history to all three of the credit bureaus — other credit cards only report to one or two of the bureaus. This means with responsible use of your secured card, you can boost your credit overtime. While these cards look and act like traditional credit cards, secured cards function a little differently, as they are guaranteed by a one-time deposit you put down when you open the account, which acts as a security deposit in case you default on credit card payments. Prepaid cards are another great option for those with poor credit, although they won't help improve your credit like secured cards do because prepaid cards act like a debit card, requiring you to deposit the amount you wish to spend ahead of time. Below you'll see our list of best credit cards to rebuild credit that we've reviewed, but if you're interested in prepaid cards take a look at the best prepaid cards we've reviewed.

Updated 10-19-2017

Credit Cards to Rebuild Credit Comparison Chart

Name & CardPurchase APRType of CardSecured Card DepositFeesHelps Credit History?Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Discover it® Secured Card - No Annual Fee
23.99% VariableSecured Discover card for those with poor or no credit$200 - $2,500$0 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Top pick for rebuilding your credit history; no annual fee and cash back rewards; includes 3-bureau credit reporting
Citi® Secured Mastercard®
23.49%* (Variable)Secured Mastercard for those with limited or no credit$200 - $2,500$0 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Good choice for building credit; includes 3-bureau credit reporting
Credit One Bank® Cash Back Credit Card
16.99% - 24.99% VariableRegular cash back Visa card for those with poor or no creditn/a - not secured card$0 - $99 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Non-secured credit card for those with poor credit, 1% cash back on all purchases, 3-bureau credit reporting.
Official NASCAR® Credit Card from Credit One Bank®
17.40% - 24.90% variableRegular cash back Visa card for those with poor or no creditn/a - not secured card$0 - $99 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Non-secured cash back card for those with poor credit; 1% cash back on all purchases; 3-bureau credit reporting.
Name & CardPurchase APRType of CardSecured Card DepositFeesHelps Credit History?Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Capital One® Secured Mastercard®
24.99% (Variable)Secured Mastercard for those with poor or no credit$49, $99 or $200$0 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Great choice for rebuilding your credit history; no annual fee; strong choice for those with poor credit; includes 3-bureau credit reporting
Applied Bank® Secured Visa® Credit Card
9.99%Secured Visa card for those with poor or no credit$200 - $5,000$48 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Good choice for those with poor credit; Regular reporting to 3 major credit bureaus
OpenSky® Secured Visa® Credit Card
18.39% variableSecured Visa for those with poor or no credit$200$35 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Smart pick for those looking to rebuild their credit; includes 3-bureau credit reporting
primor® Secured Visa Classic Card
13.99%Secured Visa for those with poor or no credit$200 - $5,000$39 annual feeRegular reporting to 3 major credit bureaus
Our Rating:
Low ongoing APR; includes 3-bureau credit reporting; some add-on fees

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.


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