Best overall
★★★★★ 4.8
Deposit required$ refundable
Approval oddsHigh · poor credit OK
Annual fee$0
Bureau reportingAll 3 bureaus
PrequalifySoft pull
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Second-chance credit cards
Find Cards Built for Credit Rebuilding
Compare secured and second-chance card options by fees, deposits, bureau reporting, approval fit, and rebuilding value.
Before you apply, check:
- Annual, monthly, and program fees.
- Deposit required and refund rules.
- Reports to all three credit bureaus.
- Prequalification or hard inquiry details.
- Graduation path to unsecured credit.
Affiliate disclosure: Rebuild Credit Today may earn a commission when you click or apply through links on this page. Recommendations should be based on rebuilding value, fee transparency, approval fit, and bureau reporting.
Ranked best to worst
Second-chance card comparison
No deposit
★★★★½ 4.5
Deposit requiredNone
Approval oddsHigh
Annual fee$ first year
Bureau reportingAll 3 bureaus
PrequalifySoft pull
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Fastest graduation
★★★★☆ 4.3
Deposit required$ refundable
Approval oddsHigh
Annual fee$0
Bureau reportingAll 3 bureaus
Upgrade pathUnsecured in ~6 mo
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No credit check
★★★★☆ 4.1
Deposit required$ refundable
Approval oddsVery high
Annual fee$
Bureau reportingAll 3 bureaus
Credit checkNone
Apply Now
Best for: describe the ideal rebuilder for this card.
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Check the Real Cost Before You Apply
Embed your card-fee-calculator.html tool here so visitors can compare annual fees, monthly fees, program fees, deposits, and interest cost.
Credit Card Fee & Cost Calculator
See the real annual cost of a credit card — fees, interest, and rewards — before you keep or apply for it.
Estimates for education only. Carrying a balance, fees, and rates vary by card and by month; check your card agreement for exact terms.