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Second Chance Credit Cards

4.0 4.0 - 3,940 reviews for top rated card

In the selection of second chance credit cards below, you will find good options for people with bad credit. If the reason you want a second chance credit card is solely 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 both need to rebuild your credit and you need a line of credit (i.e. you need a loan), then you may want to apply for unsecured, fee-based credit card for people with bad credit. These credit…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 visa gold 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 Blue Visa 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


    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)
    Apply Now at issuer's secure site

    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)
    Apply Now at issuer's secure site

    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)
    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

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

     
    October 20, 2014
    Photo of Danielle F.
    By:
    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.
    September 1, 2014
    Photo of Ruth H.
    By:
    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.
    July 13, 2014
    Photo of Cindi H.
    By:
    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