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Second Chance Credit Cards

4.0 4.0 - 3,997 reviews for top rated card

Second chance credit cards are designed for people with bad credit, which means you should be able to get approved for one if you’ve made mistakes with money in the past. Keep in mind, however, that there are a couple different types of second chance credit cards. If your main objective in opening a second chance credit card is to rebuild your credit, then a secured credit card is your least expensive option to do so. On the other hand, if you're interested in a second chance credit card because you need a line of credit (i.e. you need…show more

    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)
    Apply Now at issuer's secure site

    Credit One Bank® Credit Card with Gas Rewards


    credit one credit card
    • Annual Fee $35 - $99
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 17.90% - 23.90% (V)*
    Apply Now at issuer's secure site
    • Unlimited 1% cash back gas rewards
    • No limit to the gas rewards you can earn

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $49
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 9.99% (V)
    Apply Now at issuer's secure site

    Primor® Secured Visa Classic Credit Card


    primor credit card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $39
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 13.99% (V)
    Apply Now at issuer's secure site

    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)
    Apply Now at issuer's secure site

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress secured credit card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $39
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    Apply Now at issuer's secure site

    First Progress Platinum Elite MasterCard® Secured Credit Card


    platinum secured credit card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $29
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 19.99% (V)
    Apply Now at issuer's secure site

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress mastercard secured credit card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $44
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    Apply Now at issuer's secure site

    USAA Secured Credit Card


    usaa bank secured credit card
    • Secured Credit Card Min Deposit of $250
    • Annual Fee $35
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 9.9% - 19.9% (V)
    Apply Now at issuer's secure site

    Wells Fargo® Secured Credit Card


    wells fargo secured card
    • Secured Credit Card Min Deposit of $300
    • Annual Fee $25
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 18.99% (V)
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    COMMUNITY DISCUSSION

    Ask a question or help others find the best second chance credit cards by sharing some tips.

     
    Oct 20, 2014
    By:
    Oct 20, 2014
    I have a Open Sky Secured Visa Credit Card. All you need is the deposit and you are approved. You use it like a normal credit card. It increased my credit score dramatically upon opening it. I only use it for a normal monthly bills. I then pay the balance off soon as it posts to my account.
    Sep 1, 2014
    By:
    Sep 1, 2014
    I have never used a second chance credit card, but out of the above cards I think the Open Sky Visa would be the best one. The interest is lower than others and the annual fee is only $29., which is really good. My second choice would be First Progress. The annual fee is only $44, but it is well worth it to get 11.99% interest.
    Jul 13, 2014
    By:
    Jul 13, 2014
    I have not had any of the above second chance credit cards, but the Harley Davidson one looks interesting since there is no annual fee. I assume that if you pay off the entire balance each month that you do not have to pay interest but I suggest that everyone read the fine print to find out. The second chance credit card that I did use was with my credit union, Rivermark Credit Union. It was free and even payed me interest on my security deposit. After 6 months they released it and made it a real credit card. Over 20 years later, I still have this card. I suggest more
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