Ad Disclosure
Compare Dicover, Amex, MasterCard, and VISA Credit Cards
Sort by:

Credit Cards for Bad Credit

Credit Cards for Bad Credit

If you've made some credit missteps along the way and now have bad credit (or below-average credit), applying for one of the credit cards for people with bad credit listed below could be a good first step to a fresh start (some of these offers originate from CardHub advertising partners). As you may or may not know, you can build, rebuild or re-establish your credit history by making on-time payments to all of your creditors and maintaining balances below your credit limits. By doing so, positive information will get added to your major credit reports each month and will dilute the effects of previous mistakes like bankruptcy, foreclosure, charge-offs or missed payments. Before you apply for a credit card with bad credit, however, you should compare all of the credit card offers for bad credit listed below in order to make sure that you are getting the best card for your needs. Then, once you have the right card, make sure to manage your account wisely. Your credit score and your wallet will thank you.

Customize your search for bad credit credit cards

Filters:
    Proceed
    4

    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of $49, $99, or $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)
    Compare
    Proceed
    3

    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $75
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.9% - 23.9% (V)
    Compare
    Proceed
    3

    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 14.99% (V)
    Compare
    Proceed
    3.5

    First Progress Platinum Elite MasterCard® Secured Credit Card

    Platinum Secured Credit Card from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 19.99% (V)
    Compare
    Proceed
    3

    First Progress Platinum Prestige MasterCard® Secured Credit Card

    MasterCard Secured Card from FirstProgress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $44
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 11.99% (V)
    Compare
    Proceed
    3.5

    Open SkySM Secured Visa® Credit Card

    open sky secured credit card
    • SECURED CREDIT CARD Min Deposit of $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.5% (V)
    Compare
    3

    Harley-Davidson® Secured Credit Card

    harley davidson secured credit card
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE None
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.99% (V)
    Compare
    4

    Merrick Bank Secured Credit Card

    merrick bank secured credit card
    • SECURED CREDIT CARD Min Deposit of $200
    • ANNUAL FEE $36 1st yr, None after
    • MONTHLY FEE None 1st yr, $3 after
    • ONE-TIME FEES None
    • REGULAR RATE 17.45% (V)
    Compare
    2.5

    First PREMIER® Bank MasterCard Credit Card

    first premier bank credit card
    • ANNUAL FEE $75 1st yr, $45 after
    • MONTHLY FEE None 1st year, $6.25 after
    • ONE-TIME FEES $95
    • REGULAR RATE 36% (V)
    Compare
    3

    First National Bank of Omaha Secured Visa® Credit Card

    first national bank of omaha secured visa card
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $19
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.99% (V)
    Compare
    Narrow Your Search
     
     
     
     
    Suggested Credit Card Pages Recently Viewed Credit Cards
    • None
    Share this page:

    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.


    Ask our Experts
    EXPERT’S ANSWERS

    How do I know if I have bad credit?

    By: Odysseas Papadimitriou There are both qualitative and quantitative criteria that may help you determine if you have bad credit. From a quantitative perspective, a FICO score in the 300-619 range is considered “bad.” If you do not know your credit score and want an interactive way in which to approximate it, try our Free Credit Check. Alternatively, if any of these are applicable, you have bad credit:
    1. You are late on a credit card, loan or medical bill or payment
    2. The balances on your credit cards are near your limits
    3. You have declared bankruptcy in the last three years
    4. You have been more than 60 days late on a medical bill, credit card or loan payment in the last nine months.
    It is important to note that mistakes on your credit history can misrepresent you as having bad credit. Since you are legally entitled to free copies of your credit reports from the three major credit reporting agencies—Equifax, TransUnion and Experian—every 12 months, you should make sure to check them for mistakes yearly. To do so, visit AnnualCreditReport.com, and report any discrepancies. It is important to check the report from each agency thoroughly and file any necessary credit report disputes because inaccuracies can significantly damage your credit score and the information from each source may differ (all three reports can be accessed at annualcreditreport.com).

    How do I improve bad credit?

    By: John Kiernan Simply put, get a credit card for bad credit and use it responsibly. In order to improve bad credit, you must begin infusing positive information into your credit report that will negate past negatives such as bankruptcies, defaults and late payments, and a credit card for bad credit is the easiest tool for developing a pattern of positive credit usage. It represents the easiest option because people with bad credit have better chances of getting approved for a credit card than any other type of loan or line of credit. As a matter of fact, secured credit cards (the most widely used type of bad credit credit card) offer guaranteed approval, which means you can benefit no matter how bad your credit may be.

    No matter what type of bad credit credit card you wind up getting, it will report information about your use to the major credit bureaus every month. As long this information reflects on-time payments and low credit utilization, your credit score will benefit. Additionally, it is important to note that you don’t need to make purchases with a credit card in order to benefit. Simply maintaining a credit card at zero balance and in good standing adds positive information to your three major credit reports each month.

    How to get a credit card with bad credit

    By: Odysseas Papadimitriou A lot of people with bad credit routinely apply for credit cards and get rejected, causing them to wonder if a credit card is even attainable with bad credit. If this describes your situation, simply go for a secured credit card. All you must do to get such a card is provide a valid Social Security Number, declare that you have enough income to afford the monthly minimum payment (usually 3% of your balance) and most importantly be prepared to put down a refundable deposit of at least $200. In the very rare event that you get declined for a secured card, try applying for one from a different bank until you get approved. While we typically discourage multiple credit card applications in a short time frame because of the damage they can do to your credit, when you have bad credit, the benefit of getting a credit card ASAP outweighs any such damage. Besides, when you’re applying for secured cards, it’s only a matter of time before you find a bank that will approve you.

    What are the different types of credit cards available to people with bad credit?

    By: John Kiernan It’s possible to get three different types of credit cards with bad credit: secured credit cards, partially secured credit cards and unsecured credit cards for bad credit. Secured credit cards require a refundable security deposit that doubles as your credit line and protects the issuer from the threat of default, thereby making it unnecessary for the issuer to charge high fees. As a result, secured credit cards are typically a low-cost means of building credit.

    Partially secured credit cards require a security deposit as well, but the credit line you receive exceeds the amount of this deposit. Therefore, spending beyond your means is a greater risk than with a fully secured credit card, and you might have to pay higher monthly or annual fees.

    Unsecured credit cards are what most people think of as “regular” credit cards. While they do not require a security deposit, they tend to have low credit lines and very high fees. They also require greater discipline from users when it comes to spending since there is no security deposit to act as a safety net. What’s more, these cards are not always available, depending on the policies of the various credit card companies that cater to consumers with bad credit history.

    How long will it take for my bad credit score to improve?

    By: Odysseas Papadimitriou Everyone’s credit situation is different. Some people have bad credit because of serious issues like bankruptcy and foreclosure, while others may have had problems making minimum payments. In general, however, you should see improvement in your credit score in roughly 18 months as long as no new negative information is added to your credit reports and you are maintaining 1-2 credit cards in good standing monthly. It is possible to expedite this process somewhat by opening a secured credit card and aggressively adding to your deposit over time. The more credit you have available, the greater credit score improvement you will see.
    COMMUNITY DISCUSSION

    Help others find the best credit cards for bad credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    July 29, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    I had an unsecured credit card to help with my credit but I didn't keep it very long because of the fees and interest rates. I used it consecutively for 3 months and then paid balance in full each month. This made my credit score go up and I was able to get another card within six months with a better rate
    July 13, 2014
    Photo of Cindi H.
    By: Cindi Hounton
    I agree with others that a secured card is the way to go, but want to caution people about watching out for people who want to profit off of your bad credit. There are companies out there that will give you a secured credit card and you have to pay them to keep your money! When I had struggles with my credit I asked my local credit union, Rivermark Credit Union, and they offered me a secure card for free and paid me interest on the money I used to secure it. They said that if I made payments for 6 months they would turn it into an unsecured card. Twenty years later, I still have this card and it was a turning point for responsible credit use.
    June 9, 2014
    Photo of Tracy B.
    By: Tracy Bright
    When you have bad credit, getting a secured card is the best way to go. You can't possibly be late, since you have to have the money in the account to spend it. Therefore, the bank is more willing to work with you, and since you're always on time, they report it on your credit. It really is the best and the quickest way to rebuild your credit. This being the case, the deciding factor with a secured card should be how well they report. Some companies don't report as well, or as often, as they should. I have the Capital One secured mastercard, and have found that Capital One reports pretty well. I have yet to have an issue where they didn't report on time.
    May 26, 2014
    Photo of Jill S.
    By: Jill Sanders
    I used the capital one secured mastercard. This is great for anyone who has a less than perfect credit rating. The advantage of having a secured card is that you literally can never be past due. This helped me get my credit back on track after years of it being in the gutter. Essentially after getting this card your credit will start to improve as long as you keep the account open and make the payments (which is what the secured part is for), recommended for anyone.
    May 5, 2014
    Photo of Adrian H.
    By: Adrian Hughes
    I got an offer in the mail for my Capital One credit card. Even though I had bad credit, I was looking to repair it so I went ahead and tried to get one. I was approved and have been using it carefully for just over 2 years now. My credit score is slowly but surely increasing.
    April 27, 2014
    Photo of Sam H.
    By: Sam Hammond
    I got into credit trouble right after I graduated from college. I was able to finally get an unsecured credit card. It absolutely can help you rebuild your credit score, but I'd also recommend knowing what you're doing and keeping your eyes open and expectations in check. You will have a small credit limit on the card, especially at first. You'll pay a higher interest rate. I used my card to make a few small purchases each month, I let a small amount of the balance roll over, and got my limit raised fairly quickly. Within a year or so, I started getting offers for cards at better interest rates. It can work, you just have to use it smartly and as a tool to help you build your financial standing.
    March 21, 2014
    Photo of Matthew W.
    By: Matthew Wallace
    When I was a student In College, I used an unsecured card to help bolster my credit limit. It made me pay some money up front, but enabled me to apply and receive a better card 1 year later. I would have to say that even though they charge higher fees, It's really helped me move forward with my credit. The customer service was also exceptional.
    March 18, 2014
    Photo of Karrie B.
    By: Karrie Bauer
    I like the Credit One Bank Card. They have great customer service and the rewards add up because I am always filling up the gas tank.
    February 21, 2014
    Photo of Brent E.
    By: Brent Eickhoff
    Customer service was a big factor in me choosing to go back to using a credit card. This is because I was very doubtful and wary of a credit card after the economy took a downward spiral. I truly wanted to believe that a credit card could help solve my problems; however, I wasn't sure if I could truly trust any bank. Ultimately, it was the positive customer service that convinced me to use a credit card again. As a result of a vested interest and advice from a customer service representative, I was able to get back to using and improving my credit.
    February 11, 2014
    Photo of Jessica M.
    By: Jessica Meeks
    Many people have experienced the same story as the economy took a down-turn; bills piling up, due dates rushing by and credit scores taking a nose-dive. Now that many of us are in recovery mode, it can be harder than expected to repair the damage done in tough times. A secured credit card can be the best way to do that. Credit card companies want you to do well, want you to spend money and want you to make your payments on time, so they will bend over backwards to help you fix your situation. If the only option you've got is to get a secured credit card, it is better than no credit card at all, especially in today's world.
    January 30, 2014
    Photo of Terry J.
    By: Terry Jablonski
    My first house needed a complete remodeling which got me in way over my head. It felt like I was maxing out card after card and I couldn't afford the multiple minimum payments. Eventually, I had several of my bills go to collections and I ended up with a god-awful credit rating. Once the costs of the remodeling settled down, I need to rebuild my credit, which I did with an unsecured Capital One card. Every penny counted, so I picked the card with the lowest annual fee and interest rate. It's the only card I have and I use it only for typical monthly purchases like groceries and gas and I make sure I pay the balance in full every month. Slowly but surely, my credit rating is improving.
    January 29, 2014
    Photo of Sean P.
    By: Sean Pedigo
    When I finally got the chance to get a new credit card I wound up signing up with Capital One Secured Mastercard. By this time I had already destroyed my credit and I was finally being given a chance to improve my credit with Capital One. Although the interest rate is higher than other cards I only used it to buy groceries and gas. As these things were purchases I was going to make any way, it wasn't too big of a deal to do this because I paid these off before the end of the month. This is the card you want if you want to fix your credit.
    January 15, 2014
    Photo of Rebecca G.
    By: Rebecca Gretzinger
    When I graduated from high school, I moved into my own apartment right when I turned 18. Since the rent was expensive and I worked only part-time while going to school, I used several credit cards for a lot of things, necessities or not. Later on, I was in over my head with debt and a few of my credit card bills went into collections. Since I wanted to buy a new car, I wanted to rebuild my credit. I applied for an unsecured Visa credit card and was happy with the minimal fee I was required to pay up front. I only used one credit card for smaller purchases and paid the balance off in full or almost in full every month. My credit score is slowly going back up!
    January 13, 2014
    Photo of Elias J.
    By: Elias Johnson
    When I first turned 18 years old, I made some pretty poor mistakes with my credit. I opened up every credit card account that I could to gain access to more money. Fast forward to 10 years later, and I have had some of those accounts go into collections. last year I wanted to start rebuilding my credit. I decided to apply for an unsecured credit card and start paying my balance off each month. My credit has started to re-establish itself.
    January 8, 2014
    Photo of James L.
    By: James LeGrand
    Unsecured cards are by far one of the easiest ways to raise your credit score. When I was younger I made a few bad choices and had to pay for it when applying for a credit card. I worked my credit back up and now I no longer use the card. Without it I would have never qualified for more prestigious cards.
    January 7, 2014
    Photo of Doug M.
    By: Doug MyVegas
    I was young and made mistakes with my credit. After those mistakes and a few bad breaks, I found myself filing for bankruptcy. Afterwards, I realized that credit affects many parts of your life, so I began trying to rebuild my credit score. I started with the only cards I could get approved for, ones specifically for bad credit. These cards had a very high interest rate, an enrollment fee, annual fee. When it was all said and done, I think most of the cards gave me a limit of around $500 each and after the fees to open the account, I already owed them $300-$350. It was worth it because I had to start somewhere and once my score started to improve, I was able to cancel these cards.
    January 30, 2014
    Photo of Hollie Baker
    Hollie Baker
    After bankruptcy it is so hard! I am grateful for the opportunity to rebuild my credit score which thankfully has come up a lot . Sometimes the fees just to activate the card are ridiculous like you say $300-$350. If you think about the long term benefits it is worth it. You never realize how important credit is....... until you need it.
    December 11, 2013
    Photo of Anthony F.
    By: Anthony Fink Jr
    i have used a card for bad credit. i used the wellsfargo secured card. it worked awesome. i just used it for a few months. i used it to rent a car and stuff. then a couple weeks ago when i went to go apply to an apartment i was a little worried that they would reject me. it was sweet because i was so worried then they accepted me. it must of been because of the wellsfargo secured credit card improved my credit. it just required a 300$ deposit. which is not much to pay considering i screwed up my credit before. and i am not really paying 300 dollars for the card it is just being held onto incase i make a mistake again which is cool. one downside is that they charge 25$ annually.
    December 6, 2013
    Photo of Andrew L.
    By: Andrew Lopez
    When your credit score is poor, your options are quite limited. Secured cards are usually easier to obtain for people with bad credit scores, but there are not many institutions that are willing to offer credit cards to people with bad credit. If you can get a card without a deposit, then go for it. If you can find a bank that will give you an unsecured card, that is definitely the way to go. But chances are that you will not be approved and have to put a security deposit in order to get credit card. Best advice I can give is that get your secured card and make payments without carrying balances, also to make sure not to exceed %30 of your available credit in order to maintain your good credit standing.
    December 4, 2013
    Photo of Dana D.
    By: Dana Dunn
    When I was looking around the different credit card review sites for a specific card for my situation, I came across the Capital One secured card. This company offers so many benefits to a cardholder. For example, I was looking for a card to report to all 3 credit reporting agencies, and it does just that. I have had my card for several years and I have no intentions on closing it. I like the fact that it gives me the freedom to put my own amount on it and provides me with outstanding customer service. This is a card that I would recommend for anyone looking to rebuild their credit!
    November 27, 2013
    Photo of John D.
    By: John Dancear
    I really like my Open Sky Secured Credit Card. It has really helped me improve my credit score over time. I started out with a $200 limit and my card limit is now at $3750! This card has opened up so many more opportunities for me. I was really having trouble obtaining a credit card before Open Sky approved me. All I had to do was pay an initial deposit of $200 to open the card and I was good to go. I am really impressed with their customer service and whenever I have any questions or concerns, I have no problem getting it resolved.
    November 26, 2013
    Photo of John D.
    By: John Dancear
    The First Progress Platinum Elite Secured Credit Card is great for those with bad credit because it does not require a minimum credit score to be eligible. There are no one-time fees or monthly fees, just an initial deposit of $300. It might sound like a lot, but consider it as your deposit for getting you back on track. Lower interest rates compared to most other bad credit credit cards.
    November 24, 2013
    Photo of Ashley F.
    By: Ashley Fraiser
    The Capital One Secured card seems like it would be a great option for someone who has bad credit. Although they require a deposit it seems like the deposit would more than likely depend on how bad your credit is. I've heard a number of people state that Capital One is a good for approving people regardless of their credit situation. My mother, who filed for bankruptcy about four years ago, was able to get a credit Capital One recently even after losing a house and having a number of financial issues due to her credit being bad.
    November 20, 2013
    Photo of Joseph G.
    By: Joseph Gordon
    A life saver when I got stuck in an accident 3 years back, the Capital One Secured Mastercard proved to be my best companion. The accident left me devastated and the insurance wouldn't pay even 20% of the bill and I was left to pay close to $8500 which I was obviously late to pay resulting in a bad credit. My entire credit history was in the ash and I had to start fresh. The Capital One Secured helped me back then. Though the annual fee is high, as long as am not late on my bills, it really really helped me improve my credit score and am indebted to it for that. A superb card!
    November 22, 2013
    Photo of Joe Weider
    Joe Weider
    In a similar situation the Harley Davidson Secured Card would prove useful. This it not only for Harley fans. You get a deposit requirement that is a bit on the high side, at $300. But there's no annual fee, the APR is the same as the Capital One's card and plus you can earn points that can be redeemed for gift cards.
    November 19, 2013
    Photo of Joshua R.
    By: Joshua Rouse
    My credit hasn't been good for quite some time, so it's been difficult to get a credit card of any type. I signed up for the Credit One Bank Credit Card with Gas Rewards after receiving an offer in the mail. They started me out with a low credit limit, but have been great. The interest rate is a bit high, and I'm not a fan of the annual fee. But it's to be expected with a card like this. They've been kind enough to bump my limit up tremendously and the interest rate has also dropped. I'd recommend it to anyone looking to get a fresh start on their credit.
    November 20, 2013
    Photo of Card Hub
    Card Hub
    Hi, Joshua. Another suggestion for a similar situation would be a secured credit card like the one offered by Merrick Bank. It offers no rewards and you are required to deposit a minimum of $200 to have it but then you get an APR of 17.45% and a 25 day grace period. Also there's an annual fee of $36 only for the first year.
    November 6, 2013
    Photo of Joseph G.
    By: Joseph Gordon
    I landed up on the First Progress Platinum Elite MasterCard when my credit rating hit the rock bottom. I ended up in an accident after borrowing a costly car for my vacation and most of my savings were depleted to cover my insurance and damage. I couldn't agree to pay some of the bills put forward by the insurer and that really left a dent on my credit history making me ineligible to get further cards. The First Progress was a life saver then! It required very little credit history for approval and the monthly reporting facility would enable me to see my status and help build credit. It simply proved a life saver when i needed it the most!
    November 5, 2013
    Photo of Darrell B.
    By: Darrell Brown
    I think the best credit card for bad credit out of the list of cards listed here is the First Progress Platinum Elite Secured Credit Card. The reason I say that is because it is a secured credit card, meaning you won't go over your limit because it's all ready paid for. On top of that you only have to pay a low monthly fee of $29 with an interest rate on purchases at a solid 19.99%. This is a great card to build your credit back up without hurting it by adding another credit inquiry to your credit history.
    February 15, 2014
    Photo of Charles McCoy
    Charles McCoy
    I've had this happen before, going over the limit can be absolutely awful and stressful. I think the card you recommended is perfect for this situation as it allows flexibility as well as a good deal on the APR.
    November 4, 2013
    Photo of Richard A.
    By: Richard Ascot
    The Capital One Secured Mastercard has really helped me improve my credit after college. I ran up a lot of debt on my student cards and ended up tanking my credit score pretty badly. Thankfully with a secure job and easy to use Mastercard I've been able to keep a card for emergencies should the need arise.
    February 25, 2014
    Photo of Michael Covarrubias
    Michael Covarrubias
    Good advice, "The Capital One Secured Mastercard" is a great way for anyone to either build credit or fix their existing credit score. As someone who had no credit history and after doing some research, i decided to get The Capital One Secured Mastercard simply because it was my first card i ever got and i wanted to start building my credit just in case i ever wanted to get a new car. Not to mention there are a lot of perks to owning this card.
    November 1, 2013
    Photo of Chanel M.
    By: Chanel Mills
    I have had bad credit for most of my adult life. Now that I'm older I wanted to make my credit better. I chose the Capital One Secured Mastercard, because I wanted my credit score to go up. This company gave me a credit card amount of 200 dollars and I only had to put a security deposit of $99 dollars and they sent me the card. It was fast and very convenient for me. I'm very happy with this card.
    October 31, 2013
    Photo of Cammy L.
    By: Cammy Lynn
    My credit was perfect when I was younger but it tanked due to hospital and ambulance bills. I'm trying to build my credit back up now and have a couple different secured credit cards. One of my favorites is the Capital One Secured Mastercard, for a couple reasons. It didn't require a large deposit(which is important because I didn't want to risk tying up a lot of money with a card that I wasn't sure if I would like or not). The interest rate is comparable to similar cards. The other reason I like it is because it's simple to sign up for and use. I can check my balance on their website anytime I want. I highly recommend this card for people who are working towards building their credit!
    October 29, 2013
    Photo of Billy Bob S.
    By: Billy Bob Spookyton
    USAA offers a Platinum Mastercard that is specifically designed for people with bad credit. The card starts out with 16.99% interest rate and a credit limit which ranges from $500 - $ 1,000 depending on your credit history. Another great feature of this card is that there is no annual fee. It is very easy to get accepted for this card if you or your spouse are currently serving, or used to serve in the United States military.
    October 29, 2013
    Photo of Alan D.
    By: Alan Duong
    Having bad credit, it is not always easy to choose a credit card that charges a fair interest rate with an acceptable credit balance. I chose the Merrick Bank Secured Credit Card because I felt it offered the best options in terms of applicable fees, interest charge, and deposit requirements. I felt the $36.00 annual fee that the card charges in its first year of use is quite fair compared to other alternatives. This is a one-time charge that I wouldn't have to worry about in subsequent years. With an interest rate of 17.45%, it is very competitive to other available cards on the market. If you're looking for a secured card with acceptable fees and charges, the Merrick Bank Secured Credit Card is one card you might want to consider.
    October 28, 2013
    Photo of Nick D.
    By: Nick Davis
    I signed up for a Capital One Secured Mastercard to help with my credit. I have been declined for many cards in the past. With the Capital One Secured Mastercard you can start off your credit at your pace and your amount. Within a year my credit was built and got accepted by 3 credit cards. There is a small fee of $40 a year but it's really worth it. It works great. I recommend anyone to get one to build credit.
    October 27, 2013
    Photo of Kraig L.
    By: Kraig Lasher
    I used the Credit One Bank Credit Card with Gas Rewards as my bad credit credit card. I have no complaints. I used it to improve my credit to fair. It was my whole reason for getting it. It also seemed to be more affordable than most and gas rewards are always one of the most handy rewards these days. I was able to handle the minimum fee without any large minimum deposit as well. I would recommend it to those who need to get out of the bad credit territory.
    October 22, 2013
    Photo of Mo E.
    By: Mo Eads
    I chose a card for bad credit because I have had bad credit for years. My card has helped me raise my credit quite a bit, and I'm very happy I chose it. I chose my wells fargo secured card because I trust wells fargo, and I am very glad I did.
    September 30, 2013
    Photo of Allison D.
    By: Allison Dixon
    My favorite credit card of all time is First Premier Bank Gold Card. Ever since I was like 18 I always got offers from them, but I usually turned them down. Well I’m older now and life has definitely taken a turn. To make a long story short my credit took a deep dive and no one would lend me credit. First Premier Bank was the only company that gave me a chance, and now I’m slowly building my credit back up.
    September 30, 2013
    Photo of Renee E.
    By: Renee Eric
    A few years ago, I had to file for bankruptcy and was in desperate need for a credit card. I was extremely worried I would not be able to get approved because of my low credit score but was able to find a secured card to help re-establish my credit with. US Bank offered the Harley- Davidson Visa Secured Credit Card with no annual fee. I am also able to earn rewards towards Harley-Davidson merchandise and they also have a contest where you can win an actual motorcycle. Not to mention it's also a cool looking credit card to have. I've been extremely satisfied with this card and I'm well on my way to having a solid credit history once again.
    September 27, 2013
    Photo of Jennifer F.
    By: Jennifer Foster
    Capital One has been amazing in helping me build up my credit. I had horrible credit before, and I got approved with a small credit limit, and was really able to build up my credit. I really appreciate them for helping me build up my credit. I feel that my future is very bright now.
    September 20, 2013
    Photo of Angela V.
    By: Angela Vietto
    Credit One has been very helpful in re-building my credit after I got myself into a bad hole. Credit One started me with a pretty low limit, which was helpful since I needed to be sure I wouldn't get myself in trouble again. I made small charges and paid them off monthly, and Credit One increased my limit slowly without additional charges. When I started out with them, I didn't think I'd keep the card more than a year, but as things have worked out I've decided to stick with them. Compared to the companies that helped me get myself in trouble in the past, I think Credit One is very responsible in working with people like me with bad records.
    September 20, 2013
    Photo of Robert M.
    By: Robert McKinnon
    After my divorce I was left with really bad credit and did not think that I would be able to get any credit card to help repair it. After looking I found out that I was able to get a Capital One Secured Mastercard. What really impressed me was the low interest rate. Everybody else was telling me that if I DID find one at all that it would have me paying out the wazoo. Well I am happy to say they were all wrong! This card is awesome.
    February 21, 2014
    Photo of Karen Van De Bogart
    Karen Van De Bogart
    This is almost the same thing that happened to me. Divorce, bad credit and looking for a way to improve my credit. Capital One was the way I improved my credit too. You're right you can find a great credit card with low interest rates all you have to do is search.
    September 10, 2013
    Photo of Janice K.
    By: Janice Krone
    After college I was struggling financially and it was hard for me to find a good credit card that had low fees and no unnecessary hidden fees. That said, the Capital One Secured Mastercard was exactly what I was looking for. Compared to other similar credit cards, it has a lower annual fee than others, at just $29 and no monthly fees or other extra fees. The minimum deposit is also much lower than others so it allowed me to use it right away even when I didn't have much money saved up. This card helped me build my credit and I recommend it to anyone else in a similar situation.