Unsecured
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Best Credit Cards After Bankruptcy

We found 18 post bankruptcy credit cards (including both secured and unsecured option).

Best Credit Cards for After bankruptcy in June 2024

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FIT™ Platinum Mastercard® best for Unsecured

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FIT™ Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
$125 annually
Regular APR:
35.90% Variable
Our Rating:
3.9
scorer
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 FIT™ Platinum Mastercard® Credit Card's annual fee is $99 annually ($125 from the second year). 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:
      • Credit may increase with time
      • 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:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT™ Platinum Mastercard® details
    Apply now
    On Continental Finance site
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

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    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $99 annually
    $99 annually
    Regular APR:
    35.90% Variable
    Our Rating:
    3.2
    scorer
    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%.

        The monthly maintenance fee is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

        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
        • Potential Credit Limit Increase After 6 Months
        • 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:
        • $0 Fraud Liability;
        • Monthly reporting to the three major credit bureaus;
        • Possible credit limit increase after just six months;
        • Free Monthly Credit Score.
      View all Surge® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail
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      Revvi Card MRV Banks
      Annual fee:
      $75 for the first year
      $48 after *
      Regular APR:
      35.99% *
      Our Rating:
      4.1
      scorer
      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%.

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      • 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
      Apply now
      On the Revvi secure website
      Card detail

      First Access Visa® Card best for Low income

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      First Access Visa® The Bank of Missouri
      Annual fee:
      $75.00 for the 1st year, $48.00 after
      Regular APR:
      35.99%
      Our Rating:
      4.2
      scorer
      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
      Apply now
      On the First Access Visa® Card secure website
      Card detail

      Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

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      Reflex® Platinum Mastercard®​ Celtic Bank
      Annual fee:
      $75 for the first year
      $125 after the first year
      Regular APR:
      35.90% Variable
      Our Rating:
      3.8
      scorer
      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% (Variable).

          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.

          The monthly maintenance fee (from the 2nd year) is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

          Read full review

        • Pros:
          • Chance to get a higher credit limit
          • 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 Regular APR
          • High annual fee
          • Monthly maintenance fee
          • Additional card fee
          • Foreign transaction fee
        • Benefits:
          • $0 Fraud Liability;
          • Potential Credit Limit Increase After Just 6 Months;
          • Free Monthly Credit Score;
          • Monthly Reporting to All Three Major Credit Bureaus;
          • Credit Protection program.
        View all Reflex® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail
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        Total Visa® Card The Bank of Missouri
        Annual fee:
        $75.00 for the 1st year, $48.00 after
        Regular APR:
        35.99% *
        Our Rating:
        3.32
        scorer
        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
        Apply now
        On the Total Visa® Card secure website
        Card detail
        Apply now
        Synovus Bank First Latitude Select Mastercard® Secured Credit Card
        Annual fee:
        $39 annually
        Regular APR:
        19.24% Variable
        Our Rating:
        1.75
        scorer
        Credit score
        No Credit History to Poor (0-579)
        • Rewards Rate:
          • 1% Cash Back rewards on payments made to your First Latitude Secured credit card account.
        • Issuer name:
          Synovus Bank
        • Details:

          First Latitude Select Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

          The Card earns 1% Cash Back rewards on payments made to your credit card account.

          The First Latitude Select Mastercard® Secured Credit Card charges an annual fee of $39 annually. The APR for Purchases is 19.24% (25.24% for cash advances). These APRs will vary with the market based on the Prime Rate.

          Read full review

        • Pros:
          • Available to people with limited credit history
        • Cons:
          • Foreign Transaction Fee
          • Balance transfers are not available
        • Benefits:
          • 1% Cash Back rewards on payments made to your First Latitude Secured credit card account;
          • Minimum refundable deposit of $200.00 up to $2,000.00*;
          • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
          • Quick and Easy Online Application.
        View all First Latitude Select Mastercard® Secured Credit Card details
        Apply now
        On Synovus Bank‘s site
        Card detail

        Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

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        Gold Preferred® Secured Visa® Applied Bank
        Annual fee:
        $48 annually
        Regular APR:
        9.99% Fixed
        Our Rating:
        4.23
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Issuer name:
            Applied Bank®
          • Details:

            The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

            The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

            Read full review

          • Pros:
            • Extremely low regular APR
            • No penalty rate
            • Guaranteed approval
            • Increase your credit limit
          • Cons:
            • No rewards system
            • A lot of fees
            • Can’t upgrade to an unsecured credit card
            • No grace period
          • Benefits:
            • Reports to All Three National Credit Bureaus;
            • Zero Fraud Liability;
            • Refundable Security Deposit;
            • Global acceptance;
            • Emergency card replacement and cash disbursement.
          View all Secured Visa® Gold Preferred® Credit Card details
          Apply now
          On Applied Bank®‘s site
          Card detail
          Apply now
          First Progress Platinum Prestige Mastercard® Secured Synovus Bank
          Annual fee:
          $49 annually
          Regular APR:
          15.24% Variable
          Our Rating:
          3.8
          scorer
          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: 15.24% (Variable for purchases), 24.24% (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:
            • 1% Cash Back rewards on payments;
            • Accepted Nationwide;
            • No Minimum Credit Score;
            • No Credit History Required.
          View all First Progress Platinum Prestige Mastercard® Secured details
          Apply now
          On First Progress’s site
          Card detail
          Apply now
          First Progress Platinum Elite Mastercard® Secured Credit Card Synovus Bank
          Annual fee:
          $29 annually
          Regular APR:
          25.24% Variable
          Our Rating:
          3.3
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              Synovus Bank
            • Details:

              The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

              As a secured credit card, the First Progress Platinum Elite Mastercard® Secured Credit Card doesn’t come with any welcome offers, sign-up bonuses or reward rates.

              As a Mastercard®-branded credit option, this First Progress Platinum Elite Mastercard® Secured Credit Card is accepted nationwide.

              The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

              Read full review

            • Pros:
              • No credit history required
              • No Minimum Credit Score needed
              • Low Annual Percentage Rates
              • It builds your Credit Score
            • Cons:
              • No option to graduate to an unsecured credit card
              • Credit limit is equal to your deposit amount
              • There is no Rewards program
            • Benefits:
              • No Minimum Credit Score;
              • No Credit History Required;
              • Accepted Nationwide.
            View all First Progress Platinum Elite Mastercard® Secured details
            Apply now
            On First Progress’s site
            Card detail
            Apply now
            Unique Platinum
            Annual fee:
            See website for details*
            Regular APR:
            0.00% Regular
            Our Rating:
            3.1
            scorer
            Credit score
            No Credit History to Poor (0-579)
            • Rewards Rate:
              • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
            • Details:

              The Unique Platinum Card is a good option for people with bad credit or no credit.

              With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

              The card is valid only at My Unique Outlet.

              Read full review

            • Pros:
              • Unsecured credit line
              • Instant approval
            • Cons:
              • Valid only at My Unique Outlet
              • Minimum monthly payment
            • Benefits:
              • $1000 Credit Line;
              • $25 in Reward Dollars.
            View all Unique Platinum details
            Apply now
            On Uniquecardservices‘s website
            Card detail
            Apply now
            Secured Mastercard® Merrick Bank
            Annual fee:
            $36 for first year. Billed $3 per month thereafter
            Regular APR:
            22.70% Variable
            Our Rating:
            3.2
            scorer
            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: 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
              Apply now
              On Merrick Bank‘s site
              Card detail
              Apply now
              First Progress Platinum Select Mastercard® Secured Synovus Bank
              Annual fee:
              $39 annually
              Regular APR:
              19.24% Variable
              Our Rating:
              3.5
              scorer
              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: 19.24% (Variable for Purchases), 25.24% (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:
                • 1% Cash Back on payments made to your First Progress Secured credit card account;
                • Accepted Nationwide;
                • No Minimum Credit Score;
                • No Credit History Required.
              View all First Progress Platinum Select Mastercard® Secured details
              Apply now
              On First Progress’s site
              Card detail