FIT™ Platinum Mastercard®Limited offer

Unsecured

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On Continental Finance site

Best Credit Cards After Bankruptcy

We found 13 post bankruptcy credit cards (including both secured and unsecured option).

Updated May 18, 2025

Advertiser Disclosure Our Methodology

FIT™ Platinum Mastercard®

See terms

Annual Fee

35.90%

Regular APR

This card doesn't offer cash back, miles or points.

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On Continental Finance site

Surge® Platinum Mastercard®

Celtic Bank

$75 - $125

Annual Fee

35.90%

Regular APR

This card doesn't offer cash back, miles or points.

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On Celtic Bank‘s site

Revvi Card

$75

Annual Fee

35.99%

Regular APR

Cash Back rewards^^ on payments made to your Revvi Credit Card.

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On the Revvi secure website

First Access Visa® Card

$75.00 for the 1st year, $48.00 after

Annual Fee

35.99%

Regular APR

Earn 1% cash back rewards on payments made to your First Access Credit Card.

Apply now

On the First Access Visa® Card secure website

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Best Credit Cards for After bankruptcy in May 2025

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FIT™ Platinum Mastercard® best for Unsecured

FIT™ Platinum Mastercard®

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Annual fee:

See terms

Regular APR:

35.90% Fixed

Our Rating:

3.9

Credit score

No Credit History to Poor (0-579)

Issuer name:
The Bank of Missouri
Details:
The FIT™ Platinum Mastercard® Credit Card helps to rebuild or build your credit.
The monthly maintenance fee for the second year will be $150 per year ($12.50 per month). The Processing Fee is $95 (one-time fee).
The FIT™ Platinum Mastercard® Credit Card has an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.
Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.
Read full review

Pros:
- Low eligibility requirements
- Reasonable credit limit
- No Security deposit
- Credit Score Access
Cons:
- High extra fees
- High APR
- Foreign Transaction Fee
- No reward program
- No Sign up Bonus

Benefits:
- $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).

View all FIT™ Platinum Mastercard® details

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On Continental Finance site

Card detail

Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

Celtic Bank Surge® Platinum Mastercard®

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Annual fee:

$75 - $125

Regular APR:

35.90% Fixed

Our Rating:

3.2

Credit score

No Credit History to Poor (0-579)

Issuer name:
Celtic Bank
Details:
The Surge® Platinum Mastercard® credit card's APR range is 35.90% Fixed.
This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.
Read full review

Pros:
- Monthly Credit Reporting
- Free Monthly Credit Score
- Prequalification Without a Hard Check
Cons:
- High Annual Fee
- Relatively Low Credit Limit
- Foreign Transaction Fee
- Monthly Maintenance Fee After the 1st year
- High APR

Benefits:
- 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;
- Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
- 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).

View all Surge® Platinum Mastercard® details

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On Celtic Bank‘s site

Card detail

Revvi Card

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Annual fee:

$75 for the first year
$48 after *

Regular APR:

35.99% *

Our Rating:

4.1

Credit score

Rebuilding Credit to Fair (0-669)

Rewards Rate:
- 1% Cash Back rewards^^ on payments made to your Revvi Credit Card.

Issuer name:
MRV Banks
Details:
The Revvi Card is designed for people with poor credit or no credit.
The Revvi Card earns 1% Cash Back rewards^^ on payments made to your Revvi Credit Card.
The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 35.99%.
Read full review

Pros:
- Cash Back
Cons:
- Annual Fee
- Extra Fees

Benefits:
- 1% Cash Back rewards^^ on payments made to your Revvi Credit Card;
- Reports monthly to all three major credit bureaus;
- Fast and easy application.

View all Revvi details

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On the Revvi secure website

Card detail

First Access Visa® Card best for Low income

First Access Visa® Card

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Annual fee:

$75.00 for the 1st year, $48.00 after

Regular APR:

35.99%

Our Rating:

4.2

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.

Issuer name:
The Bank of Missouri
Details:
The First Access Visa® Card is a true VISA® credit card that does not require perfect credit for approval.
The First Access Visa® Card's APR: 35.99%.
The First Access Visa® Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.
Read full review

Pros:
- Available to those with bad credit
- Reports to three major credit bureaus
- Easy application
- No security deposit
Cons:
- High APR
- Several fees
- Low credit limit

Benefits:
- 1% Cash Back rewards on payments made to your First Access Credit Card;
- First Access Visa credit card accepted nationwide;
- Rebuild your credit;
- Easy and Secure Online Application.

View all First Access Visa® details

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On the First Access Visa® Card secure website

Card detail

Total Visa® Card

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Annual fee:

$75.00 for the 1st year, $48.00 after

Regular APR:

35.99% *

Our Rating:

3.32

Credit score

Rebuilding Credit to Fair (0-669)

Rewards Rate:
- 1% Cash Back on all purchases.

Issuer name:
The Bank of Missouri
Details:
The Total Visa® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.
The Total Visa® Card's Regular APR is 35.99%.
The Total Visa® Card allows you to choose your own card design.
Read full review

Pros:
- Low Requirements
Cons:
- Annual Fee
- High Regular APR
- No Intro APR period
- Extra Fees

Benefits:
- $0 fraud liability;
- Reports monthly to all three major credit bureaus;
- Manageable monthly payments;
- Select your favorite card design for free.

View all Total Visa® Card details

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On the Total Visa® Card secure website

Card detail

First Progress Platinum Prestige Mastercard® Secured Credit Card

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First Progress Platinum Prestige Mastercard® Secured Synovus Bank

Annual fee:

$49 annually

Regular APR:

14.24% Variable

Our Rating:

3.8

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Cash Back rewards on payments.

Issuer name:
Synovus Bank
Details:
The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.
The Card earns 1% Cash Back rewards on payments.
The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.24% (Variable for purchases), 23.24% (Variable for cash advances).
Read full review

Pros:
- Low APR for Purchases
- No Minimum Credit Score Required
- Reports to Three Major Credit Bureaus
- Suitable Range of Credit Limit
Cons:
- High Annual Fee
- High Transaction Fees on Cash Advance
- High Penalty Fees
- Foreign Transaction Fees

Benefits:
- 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.

View all First Progress Platinum Prestige Mastercard® Secured details

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On First Progress’s site

Card detail

Merrick Bank Secured Credit Card

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Annual fee:

$36 for first year. Billed $3 per month thereafter

Regular APR:

22.70% Variable

Our Rating:

3.2

Credit score

No Credit History to Poor (0-579)

Issuer name:
Merrick Bank
Details:
The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.
The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.
The Card's APR is 22.70% Variable for purchases.
The Secured Mastercard® credit card reports to all three major credit bureaus.
Read full review

Pros:
- Up to $3000 credit limit
- Reports to three major credit bureaus
- You don’t need a bank account to apply
- Access to FICO score
- Low APR
Cons:
- No rewards or intro offers
- $200 minimum deposit
- Extra fees
- $36 annual fee

Benefits:
- Monthly Reporting to the 3 Major Credit Bureaus;
- $0 Fraud Liability;
- Low interest;
- FICO® Score for Free Each Month.

View all Secured Mastercard® details

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On Merrick Bank‘s site

Card detail

First Progress Platinum Select Mastercard® Secured Credit Card

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First Progress Platinum Select Mastercard® Secured Synovus Bank

Annual fee:

$39 annually

Regular APR:

18.24% Variable

Our Rating:

3.5

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Cash Back on payments made to your First Progress Secured credit card account.

Issuer name:
Synovus Bank
Details:
The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.
The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.
The card's APR: 18.24% (Variable for Purchases), 24.24% (Variable for Cash Advances).
The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.
Read full review

Pros:
- No credit history required
- No Minimum Credit Score needed
- Low Annual Percentage Rates
Cons:
- Annual Fee
- Foreign Transaction Fee

Benefits:
- Get a First Progress Select Card and Earn 1% Cash Back Rewards;
- 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;
- Choose the First Progress Select Card for a lower annual fee;
- All credit types welcome to apply;
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion;
- 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.

View all First Progress Platinum Select Mastercard® Secured details

Apply now

On First Progress’s site

Card detail

Capital Bank OpenSky® Secured Visa® best for 18 year old

Capital Bank OpenSky® Secured Visa®

Annual fee:

$35 annually

Regular APR:

25.64% Variable

Our Rating:

3.82

Credit score

No Credit History to Good (0-739)

Issuer name:
Capital Bank
Details:
With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.
Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.
Read full review

Pros:
- No credit check required
- Does not require a bank account
- Reports to three major credit bureaus
- Low minimum cash deposit
Cons:
- High annual fee
- High Foreign Transaction Fee
- No Rewards
- No Signup Bonus

Benefits:
- No credit check necessary to apply;
- Reports to three major credit bureaus;
- Build credit quickly;
- Doesn't require a bank account.

View all OpenSky® Secured Visa® details

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Card detail

Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

Celtic Bank Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard® Celtic Bank

Annual fee:

$75 - $125

Regular APR:

35.90% Fixed

Our Rating:

3.8

Credit score

No Credit History to Good (0-739)

Issuer name:
Celtic Bank
Details:
The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 35.90% Fixed.
With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.
Read full review

Pros:
- All credit scores are welcome to apply
- Reports to three bureaus
- Check if you prequalify without affecting your credit score
- No deposit required
Cons:
- No rewards
- High APR
- High annual fee
- Monthly maintenance fee
- Additional card fee
- Foreign transaction fee

Benefits:
- 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;
- Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
- 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).

View all Reflex® Platinum Mastercard® details

Learn more

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