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Second Chance Credit Cards

Second Chance Credit Cards

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 cards have higher fees, but will provide you with the additional credit you need. Finally, do not forget that you can build, rebuild, or reestablish your credit history by making on-time monthly minimum payments to all of your creditors and maintaining your balances below the credit limits.

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    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)
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    3

    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 17.9% - 23.9% (V)
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    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)
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    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)
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    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)
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    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)
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    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)
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    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)
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    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)
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    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.)

     
    September 1, 2014
    Photo of Ruth H.
    By: Ruth Henne
    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: Cindi Hounton
    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 that in addition to the above cards, everyone check at their local non profit credit union and ask if they would offer a good deal on a second chance card. My credit score is now in the 700s and it all started with this secured card.