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Second Chance Credit Cards

4.0 4.0 - 4,086 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 even if you’ve made mistakes with money in the past. Keep in mind, however, that there are different types of second chance credit cards. For rebuilding credit, a secured credit card is your least expensive option. On the other hand, if you need to borrow money while you’re building your credit history, then you may want to apply for an unsecured credit card for bad credit – though this will only provide you with around $200 in…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
    • Get Pre-Qualified without affecting your credit score
    • Automatic reviews for credit line increase opportunities
    • Zero fraud liability protects you from unauthorized charges
    • *Cash Advance Fee: Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

    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%
    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%
    Apply Now at issuer's secure site

    Open SkySM Secured Visa® Credit Card


    open sky 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

    Milestone Gold MasterCard® Credit Card


    milestone credit card
    • Annual Fee $35-$99*
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    Apply Now at issuer's secure site

    USAA Secured Credit Card


    usaa 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

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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:

    --Comment from Danielle Ford--

    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:

    --Comment from Ruth Henne--

    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:

    --Comment from Cindi Hounton--

    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 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.
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