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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
November 2024: Credit Cards to Rebuild Credit
No one is immune to money troubles - most of us have been in a tight financial spot at least once in our lives. Whether it's because of unemployment, illness, divorce or other family issues, or gotten in over your head due to student loans, medical bills or other expenses, your credit history may have suffered. But good news - no matter how far your history has fallen, there is always a way to raise it. Just take your first step towards good credit with credit builder card offers from our partners below.
- Cards of November 2024
- Secured Cards
- Unsecured Cards
- Credit Builder Account
our choice
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help
our choice
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes
our choice
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
N/A
Credit Line:
See terms
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Help build your credit through responsible use of a card like this
our choice
$100
Credit Limit
Security Deposit:
$100
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Your next tool for building credit!
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
our choice
$3,000
Credit Limit
Security Deposit:
No
Credit Line:
Initial credit limit up to $3,000
Credit Line Increase:
Automatic reviews for increases
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
our choice
0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0%
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.
our choice
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
our choice
- Get up to a +86 average341 FICO® Score increase on autopilot
- Largest credit builder in the nation
- Build from $2,000 up to $30,000 of credit history starting at low monthly payments
- Great if you want to access premium CCs & higher credit limits
- No credit history needed; no hard check required
- No prepayment or early cancellation fees
our choice
Loans up to
$30,000
Minimum Loan Amount:
$2,000
Maximum Loan Amount:
$30,000
Term of Loan:
See terms
No Credit Check
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
All
Credit Types Welcome
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help
our choice
$100
Credit Limit
Security Deposit:
$100
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Your next tool for building credit!
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
our choice
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
our choice
0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0%
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.
our choice
Up to
10%
Cash Back
Max. Rewards:
New feature! Earn up to 10% cash back on everyday purchases
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Credit Line Increase:
Get considered for a credit line increase after 6 months, with no additional deposit required
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
25.14% (variable)
Annual Fee:
$35
our choice
Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Credit Line from
$200
Security Deposit:
Secure your credit line with your refundable security deposit – choose from $200 - $2,000.
Credit Line:
$200 - $2,000
Credit Line Increase:
The ability to increase up to $5,000 over time!
$0
Annual Fee
Annual Fee:
$0.00
Foreign Transaction Fee:
3%
Late Payment Fee:
Up to $41.00
our choice
Credit Line
Increase
Available
Security Deposit:
$200
Credit Line:
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Credit Line Increase:
Increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Rebuild Your Credit
Build Credit:
Yes
Card Category:
Secured
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Mastercard® is Accepted
Credit Check:
Yes
our choice
Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards with First Progress Prestige!
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Accepted wherever Mastercard® is accepted
Credit Check:
No
Build Your Credit
Build Credit:
Yes
Credit Line:
Apply now and fund your security deposit over 90 days with the option to make partial payments.
Card Usage:
Accepted wherever Mastercard® is accepted
our choice
Earn
1%
Cash Back
Max. Rewards:
Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Credit Line from
$200
Security Deposit:
Up to $2,000 (subject to credit approval).
Credit Line:
Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
Credit Line Increase:
See terms*
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Accepted wherever Mastercard® is accepted
Credit Check:
No
our choice
$3,000
Credit Limit
Security Deposit:
No
Credit Line:
Initial credit limit up to $3,000
Credit Line Increase:
Automatic reviews for increases
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
our choice
$700
Credit Limit
Security Deposit:
No
Credit Line:
$700
Credit Line Increase:
See terms
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use nationwide wherever Mastercard is accepted
Credit Check:
Yes
our choice
Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $1,000 Initial Credit Limit
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured
Checking Account Required:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
our choice
$700
Credit Limit
Security Deposit:
—
Credit Line:
$700
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use nationwide wherever Mastercard is accepted
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
our choice
Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $1,000 Initial Credit Limit
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured
Checking Account Required:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
our choice
our choice
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
No
our choice
our choice
No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$750
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$750
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0%
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.
our choice
- Choose a plan to build credit and savings at the same time!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
- Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
our choice
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
Yes
Instant Response:
No
Credit Agencies Report:
Yes
No
Employment Requirements
Minimum Age of a Borrower:
18
Checking Account Required:
Yes
Employment Required:
No
Minimum Income Required:
See terms
our choice
- Get improved your credit score in less than 7 days
- No credit check, no interest, no fees – just instant approval
- High credit limit instantly lowers your credit usage
- Use the Ava app to pay bills on time, building a positive payment history
- Daily reporting to all bureaus
- Subscription fee of $6/month when you sign up for an annual plan, the month to month subscription fee is $9
our choice
No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$2,500
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$2,500
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
No
our choice
our choice
No Credit Check
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
Loans up to
$250
Minimum Loan Amount:
$50
Maximum Loan Amount:
$250
Term of Loan:
See terms
fix credit! NO TIME
TO GET DESPERATE!
Despite the fact that you are drowning in debt and thinking that you completely and utterly ruined your credit history, there is still a credit builder card you can apply for. In fact there are several options to rebuild bad credit. They are:
- Secured cards: These cards give you a line of credit on the condition that you put down a deposit to act as collateral. That protects the lender in case you default. The deposit is usually equal to the line of credit you will be granted. Most secured cards report to credit bureaus, so your regular payments and good use of the card will help your credit history go up. Just make sure the secured card you choose reports to credit bureaus - and beware of high fees. Choose a card that charges reasonable fees.
- Becoming an authorized user on another account: Think of it like getting someone to cosign a loan for you. If you have a family member who is willing to apply for a credit card and add you as an authorized user, your careful and responsible use of that card can help your credit history. This is known as "piggybacking", and it's a legitimate way that many people give their credit a lift when they get stuck with a low credit history.
- Co-branded or shopping credit cards: Constantly shopping on line you probably thought about getting a credit line from your favorite or one of the popular retailers. Rebuilding credit with shopping credit cards is as real as ground under your feet. Wise and responsible credit use can help when it comes to credit repair. So applying for a shopping credit card to rebuild credit can be a good choice.
- Prepaid cards: Although these cards do not help your credit get better, they are a good option if you cannot get another type of credit card due to damaged credit. They offer the convenience of a credit card but are available to anyone - no credit check is needed. Use a prepaid card while you get back on your feet financially for those situations where you really need to pay for purchases with a card.
Small purchases, on-time payments, responsible use
Rebuilding credit takes patience and diligence. The key is to find the card that works for you and use it carefully and responsibly. That means doing a few things over several months or years, depending on how damaged your credit is. Make small purchases and pay off your balance on time to be more creditworthy.
Making small purchases means not spending more than you can easily pay off each month. If you get a secured card or get a card as an authorized user - you do need to use the card to make purchases to fix your credit history. Avoid the temptation to make purchases you cannot afford to pay off.
Always make payments on time - this is very important when you are repairing credit. It is a good idea to set up automatic payments so you never miss a due date. Depending on the card you use, you can also often set up text and email alerts so you know when a payment is due.
Using your card responsibly means staying under the credit limit and abiding by the credit card agreement. In time your credit history will bounce back and reflect your responsible use of credit. Credit card issuers will see that you are a good risk and that you are very likely to pay your debt.
Once you raise credit history, you will be eligible for lower rates, more rewards, and different credit cards. But you do have options to repair your credit, so take advantage of the one for you now.
questionsABOUT CREDIT CARDS
TO REBUILD CREDIT
Does the Chime® Credit Builder Visa® Credit Card act like a traditional credit card? What would be my credit limit for the card?
The Chime Secured Credit Builder Visa® Credit Card is a secured card linked to a Credit Builder Secured Account. It works just like a regular credit card in that you can use it to buy gas, groceries, or household goods anywhere Visa...
Read moreMy credit score is poor. Which credit card will raise my credit scores quickly?
First of all, note that improving your credit score is not a quick process. It may take up to a couple of years to turn bad credit into good credit. But if you want to improve your credit score faster, keep your credit...
Read moreWill I build credit with a store credit card?
You will be able to build your credit using a store credit card. To be able to build your credit you should first of all make sure the store card you want to apply for is reported to the major credit bureaus. Luckily,...
Read more
commentsABOUT CREDIT CARDS
TO REBUILD CREDIT🜂
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