Below is a list of credit cards for those of you with bad credit. Some of these cards fall under the secured/prepaid credit cards category, others under unsecured. Both can be used to help in building, rebuilding or re-establishing your bad credit history.

Secured/prepaid cards oblige the cardholder to make a deposit in the bank account associated to the credit card in order to secure the credit line. In most cases the credit line is equal to the deposit made by the cardholder.

Unsecured cards do not require you to make a security deposit to guarantee your line of credit, as with the secured/prepaid cards. But both cards provide major credit bureaus with monthly reports to insure the credit cardholder’s payment history is recorded in their credit profile.

SECURED
1)Applied Bank Secured VISA Gold Card
9.99% low fixed APR – Rate won’t change even if you’re late
Your credit limit is equal to amount you deposit ($200 to $5,000)
Credit bureau reporting
No credit requirements, no income requirements

2)Accountnow Prepaid Mastercard
100% guaranteed approval
Free credit builder, bill pay, and $0 activation fee with direct deposit
New! Now with the iAdvance(SM) loan option
This is a debit-card, not a credit card

3)NetSpend VISA Prepaid Debit Card
100% approval – No credit check required
Borrow money and build credit with iAdvance® line of credit
Online bill pay – Easily send a check to anyone
Exclusive – 5% APY savings account

4)Accountnow Prepaid VISA Card
100% guaranteed approval
Free credit builder and bill pay
$0 activation fee with direct deposit
New! Now with the iAdvance(SM) loan option

5)mycreditcardfinder.com
Submit one form, get up to 10 offers in seconds
Free, no obligations
Rewards cards for any credit history
Bad credit or good credit, you will receive a list of cards that fit your needs

6)Babyphat Prepaid VISA Rushcard
- Prepaid card. Must load funds to use
- Free direct deposit of tax refunds, anticipation loans, and paychecks
- Free customer service 24/7
- Free credit builder and account text alerts

UNSECURED
1)First Primier Bank Gold Credit Card
Submit one form, get up to 10 offers in seconds
Free, no obligations
Rewards cards for any credit history
Bad credit or good credit, you will receive a list of cards that fit your needs

2)First Premeir Bank Black Platinum Credit Card
Low APR on purchases
All applications welcome
All credit types welcome to apply
Get a response in 60 seconds

3)Centennial Credit Card
Offers a very attractive fixed APR
Account history reports monthly to the major Consumer Reporting Agencies
24-hour account access by phone
Apply for a nationally recognized credit card

4)Centennial Gold Credit Card
Know your application response in 60 seconds
Enjoy a low, fixed APR
Reports monthly to the major Consumer Reporting Agencies
Access your account 24 hours a day by phone

5)Aventium Credit Card
An attractive fixed APR
- Reports monthly to the major Consumer Reporting Agencies
- Access your account by phone any time, day or night
- There is no universal default on your Aventium card

If you are like thousands of Americans who have bad credit and are having difficulty getting the help you need to rebuild your credit, these cards can help, but only if used wisely. Always paying the required monthly minimum amount (more if possible) on time is a must, and a good habit to maintain.