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.


Unsecured Credit Card For People Wanting to Rebuild Their Credit

These are  unsecured credit cards for people with bad credit who want the opportunity to rebuild their credit score.

First Access Visa® Card

first access visa card
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Checking account required
  • issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit

Milestone unsecured mastercard
  • Easy pre-qualification process which does not affect your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.

Indigo® Mastercard® for Less than Perfect Credit

Indigo Mastercard
  • Pre-qualify for a card today and it will not impact your credit score
  • All credit histories considered
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.



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!

This is a great card to have! It reports to the credit bureaus as a loan when you sign up for thier bad credit program. It then converts to a credit card
Save $50 on your first order of $200 or more (thru 1/4/18)





Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. 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.

  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  •  Fast Online Applications



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!


  • Get Paid up to 2 days Faster with Free Direct Deposit * – Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees.
  • $15 Bonus* with Qualifying Direct Deposit. Never Pay to Cash Your Paychecks and Get Your Pay Faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
  • BBB Accredited A+ Company. Excellent Customer Service.

*See Program Rules



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.


Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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.


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!


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


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bule arrow bulletCredit Repair Offers
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