RESOURCES FOR INDIVIDUALS WITH BAD OR NO CREDIT 

Building your credit takes time but knowing the right and best resources is a big help. The credit card products on this page can help you build, rebuild, or reestablish your credit history.

Fast Credit Building Tip

Once you have established credit, if you want to build a good credit score you will need to make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Unsecured Credit Card For People Wanting to Rebuild Their Credit

This is an unsecured credit card that caters to people with bad credit who want the opportunity to rebuild their credit score.

If you find this page useful please like us on facebook and join us on twitter  

SHARE THIS PAGE ON

Credit One Bank® Credit Card with Gas Rewards

apply here
Advertiser Disclosure

  • No limit to the gas rewards you can earn
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Make your first six payments on time and get an opportunity for a credit line increase
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery

*See Card Terms & Conditions for Details

 

Credit One Bank® Earn More Credit Fast

apply here
Advertiser Disclosure


  • Make your first six payments on time and get an opportunity for a credit line increase
  • Get pre-qualified without affecting your credit score
  • Pick your payment due date to fit your schedule
  • Keep an eye on your progress with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due

*See Card Terms & Conditions for Details

 

Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included

apply here
Advertiser Disclosure


  • Keep an eye on your credit information with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Email or text alerts to remind you when your payment is due
  • Automatic reviews for credit line increase opportunities
*See Card Terms & Conditions for Details

Guaranteed Approval Catalog Card

These are great credit builders. You get a line of credit that you can use to buy merchandise from their catalog. They will usually report your line of credit to the credit bureaus and even though you can only buy things from their catalog, when you see the line of credit on your credit report it just looks like an unsecured credit card!

Horizon Gold

apply here
Advertiser Disclosure

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.

  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK

*See Terms & Conditions for Details

 

Debit Cards With Credit Builders

Debit cards are a great way to start your credit building journey. We have listed debit cards that offer the credit building function, meaning they will report to the credit bureaus and some even give you access to your credit report every month. Debit cards are also a great way to stay on budget! Just set a budget and load that amount to the card. its a great way for you to build credit and your savings account at the same time!

READYdebit® Platinum Visa® Prepaid Card

apply here
Advertiser Disclosure


Get Your Premium Benefits:
  • This is not a credit card. You need to deposit your own money before using the card.
  • Exclusive Rewards Program
  • Free Credit ScoreTracker*
  • Easy Mobile Account Access and Text Alerts
  • Easy Online Bill Payment & Check Writing
  • Free* Direct Deposit — paycheck, benefits, tax refunds
  • No Credit Check*, No Overdraft Fees or Balance Minimums
*See Program Rules

Secured Credit Cards

These are the oldest form of credit builder out there! People have been using secured credit cards for years as the starting point to building credit. They are great for college students to show them how to manage credit for the first time and they are great for the person with bad credit to start rebuilding. My best friend used a secured credit card about a year after a nasty divorce and bankruptcy. After 1 year of on time payments they made her secured card unsecured! Guaranteed approval and you set your credit limit by the amount of security you put down.

First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card

apply here
Advertiser Disclosure


  • Nationwide Program - though not yet available in NY, IA, AR, or WI
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Get Your Deposit Back at Any Time
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • No Credit History or Minimum Credit Score Required for Approval
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • 24/7 Access to Your Account Online
Apply Now!

Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on the credit card issuer's web site. 

Monitor Your Credit Score

As you start building your credit its important to utilize a credit monitoring system. Not only will it protect you from identity theft byt your will also have a monthly record of all your credit building activities. If you are rebuilding after having bad credit, visually seeing your credit score improve can be very motivating!

Top 5 Credit Building Articles

Need addition help building your credit score? Here are 10 articles I've hand picked from our blog to help you on your credit journey! Feel free to live comments on the blog!

  1. Valuable Tips For Choosing The Best Credit Repair Company
  2. 5 Ways to Fix Your Credit Score
  3. 4 Factors To Consider Before Applying For A Secured Credit Card
  4. Secured Credit Cards - The Best Way To Start Building Credit
  5. Build Trust and Get A Personal Loan For People With Bad Credit



Other Offers for People with Bad Credit

Specialty BAD CREDIT LOANS

bule arrow bulletCar Loans
bule arrow bullet Home Loans
bule arrow bullet Bad Credit Personal Loans

CREDIT REPAIR

bule arrow bulletOnline Credit Reports
bule arrow bullet Credit Repair Offers
bule arrow bullet How To Write A Dispute Letter