FIT™ Platinum Mastercard®Limited offer

Unsecured

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On Continental Finance site

Best Credit Cards After Bankruptcy

We found 16 post bankruptcy credit cards (including both secured and unsecured option).

Updated October 11, 2024

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 - $99

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.

Apply now

On the Revvi secure website

Petal® 2 “Cash Back, No Fees” Visa®

WebBank

None

Annual Fee

29.49% - 31.49%

Regular APR

1% - 1.5%:

Cash Back after making 12 on-time monthly payments.

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On WebBank‘s site

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Best Credit Cards for After bankruptcy in October 2024

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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% Variable

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:
- 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

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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 - $99 annually
$99 annually

Regular APR:

35.90% Variable

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%.
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

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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

Apply now

On the Revvi secure website

Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

WebBank Petal® 2 “Cash Back, No Fees” Visa®

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Petal® 2 “Cash Back, No Fees” Visa® WebBank

Annual fee:

Regular APR:

29.49% - 31.49% Variable

Our Rating:

3.8

Credit score

No Credit History to Excellent (0-799)

Rewards Rate:
- 1% - 1.5%:
- Cash Back after making 12 on-time monthly payments.
- 2% - 10%:
- Cash Back from select merchants.

Issuer name:
WebBank
Details:
The Petal 2 Card has no fees of any kind and is designed to help you build credit.
Grow your credit score with responsible spending and on-time payments.
Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.
Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted
Read full review

Pros:
- No annual fee
- No returned payment fee
- No foreign transaction fee
- You can apply even if you have no credit history
- No late fees
Cons:
- No signup bonus
- Cash advances are not permitted
- Those who filed for bankruptcy may be rejected
- Balance transfers are not allowed
- No intro APR offer

Benefits:
- No foreign transaction fee;
- Petal 2 reports to all 3 major credit bureaus.

View all Petal® 2 “Cash Back, No Fees” Visa® details

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On WebBank‘s site

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

Apply now

On the First Access Visa® Card secure website

Card detail

Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

Celtic Bank Reflex® Platinum Mastercard®

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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

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

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

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

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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Gold Preferred® Secured Visa® Applied Bank

Annual fee:

$48 annually

Regular APR:

9.99% Fixed

Our Rating:

4.23

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

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On Applied Bank®‘s site

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:

14.74% 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: 14.74% (Variable for purchases), 23.74% (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

WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

WebBank Petal® 1 "No Annual Fee" Visa®

Apply now

Annual fee:

Regular APR:

29.49% - 34.49% Variable

Our Rating:

4.34

Credit score

No Credit History to Good (0-739)

Rewards Rate:
- 2% - 10%:
- Cash Back at select merchants.

Issuer name:
WebBank
Details:
The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back at select merchants.
The Card has a variable APR ranging from 29.49% - 34.49%.
Read full review

Pros:
- $0 Annual fee
- No foreign transactions fee
- No credit score needed to apply
- Earn rewards with Petal® 1 "No Annual Fee" Visa®
- Increase your credit limit in 6 months
Cons:
- No Intro APR
- High purchase APR
- No signup bonus
- Cash back only with select merchants

Benefits:
- 2% - 10% Cash Back at select merchants;
- Zero liability fraud protection;
- Petal reports to all 3 major credit bureaus.

View all Petal® 1 "No Annual Fee" Visa® details

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On WebBank‘s site

Card detail

Merrick Bank Secured Credit Card

Apply now

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: 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

First Progress Platinum Select Mastercard® Secured Credit Card

Apply now

First Progress Platinum Select Mastercard® Secured Synovus Bank

Annual fee:

$39 annually

Regular APR:

18.74% 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: 18.74% (Variable for Purchases), 24.74% (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

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