LA Times' Recommended Credit Cards for Rebuilding Credit

Capital One Quicksilver Secured Cash Rewards Credit Card

Our rating:3.5

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5%: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%: Earn unlimited 1.5% cash back on every purchase, everywhere

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 29.99% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.5

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 1.5
APR: 2.0
Features: 5.0

Highlights

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 29.99% (Variable)
Intro Balance Transfers APR: N/A

Discover it® Secured Credit Card

Our rating:4.1

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

2%: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%: Earn unlimited 1% cash back on all other purchases.

Annual fee: $0

Balance transfer intro APR: 10.99% for 6 months

Regular APR: 27.49% Variable APR *Rates as of December 12, 2024.

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 3.3
APR: 1.3
Features: 2.5

Highlights

No credit score required to apply. No Annual Fee.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Raise your credit score by 30+ points.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 27.49% Variable APR *Rates as of December 12, 2024.
Intro Balance Transfers APR: 10.99% for 6 months

Destiny Mastercard® - $700 Credit Limit

Our rating:2.1

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Recommended credit

300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: See terms*

Balance transfer intro APR: N/A

Regular APR: See terms*

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.1

Rating methodology

Cost of Membership:: 1.0
Ease of Building Credit:: 4.0
APR:: 1.0
Features:: 1.3

Highlights

Greater access to credit than before - $700 credit limit
Unsecured credit card, no security deposit required
Worry-free Fraud Protection* if your card is lost or stolen
Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Quick and easy application process with a typical decision in 60 seconds or less
24/7 access to your account, even on mobile!
Reports to all three major credit bureaus

Rates & Fees

Annual Fee: See terms*
Intro Purchase APR: N/A
Regular APR: See terms*
Intro Balance Transfers APR: N/A

OpenSky® Secured Visa® Credit Card

Our rating:3.0

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Rewards rate

Up to 10%: Up to 10% cash back rewards on purchases at over 40,000 retailers

Annual fee: $35

Balance transfer intro APR: N/A

Regular APR: 24.89% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.0

Rating methodology

Cost of Membership: 2.5
Ease of Building Credit: 2.9
APR: 4.5
Features: 0.0

Highlights

New feature! Earn up to 10% cash back on everyday purchases
No credit check to apply. Zero credit risk to apply!
Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
Get free monthly access to your FICO score in our mobile application
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Apply in less than 5 minutes with our mobile first application
Choose the due date that fits your schedule with flexible payment dates
Fund your security deposit over 60 days with the option to make partial payments
Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

Rates & Fees

Annual Fee: $35
Intro Purchase APR: N/A
Regular APR: 24.89% (variable)
Intro Balance Transfers APR: N/A

Milestone Mastercard® - $700 Credit Limit

Our rating:1.7

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: See terms*

Balance transfer intro APR: N/A

Regular APR: See terms*

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:1.7

Rating methodology

Cost of Membership: 1.0
Ease of Building Credit: 2.9
APR: 2.4
Features: 1.0

Highlights

Greater access to credit than before - $700 credit limit
No security deposit required, even with less than perfect credit
Account history is reported to the three major credit bureaus in the U.S
Get a Mastercard accepted online, in store and in app
24/7 access to your account information, even on mobile
Applying is quick and easy with our fast decision process

Rates & Fees

Annual Fee: See terms*
Intro Purchase APR: N/A
Regular APR: See terms*
Intro Balance Transfers APR: N/A

FIT™ Platinum Mastercard®

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $99 introductory fee for the first year, then $125 thereafter

Balance transfer intro APR: N/A

Regular APR: 35.90% Fixed

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

$400 Initial Credit Limit
Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Rates & Fees

Annual Fee: $99 introductory fee for the first year, then $125 thereafter
Intro Purchase APR: N/A
Regular APR: 35.90% Fixed
Intro Balance Transfers APR: N/A

Surge® Platinum Mastercard®

Our rating:1.5

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $75 - $125

Balance transfer intro APR: N/A

Regular APR: 35.90% Fixed

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:1.5

Rating methodology

Cost of Membership: 0.4
Ease of Building Credit: 3.9
APR: 0.4
Features: 2.3

Highlights

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Rates & Fees

Annual Fee: $75 - $125
Intro Purchase APR: N/A
Regular APR: 35.90% Fixed
Intro Balance Transfers APR: N/A

First Progress Platinum Prestige Mastercard® Secured Credit Card

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Rewards rate

1% Cash Back Rewards: Earn 1% Cash Back Rewards with First Progress Prestige!

Annual fee: $49

Balance transfer intro APR: N/A

Regular APR: 14.49% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Earn 1% Cash Back Rewards with First Progress Prestige!
Apply now and fund your security deposit over 90 days with the option to make partial payments.
You Can’t Rebuild credit with a Debit Card. Try First Progress Today!*
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.*
All credit types welcome to apply!
*Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Rates & Fees

Annual Fee: $49
Intro Purchase APR: N/A
Regular APR: 14.49% (V)
Intro Balance Transfers APR: N/A

Reflex® Platinum Mastercard®

Our rating:1.8

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $75 - $125

Balance transfer intro APR: N/A

Regular APR: 35.90% variable

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:1.8

Rating methodology

Cost of Membership: 1.0
Ease of Building Credit: 4.0
APR: 0.5
Features: 2.4

Highlights

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Rates & Fees

Annual Fee: $75 - $125
Intro Purchase APR: N/A
Regular APR: 35.90% Fixed
Intro Balance Transfers APR: N/A

Rewards rate

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