Rebuilding Your Credit
We all fall on hard times, but there are ways to rebuild your credit and get back on your feet. Part of repairing your credit includes having active, open accounts that are in good standing. Some of the cards below may be able to help you re-establish your credit history if you make on-time minimum payments with all of your creditors and keep your account balances low relative to the credit limit.
Prosper® Card
Prosper® Card
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Excellent/Good/Fair/Bad Credit
Intro APR for Balance Transfer
N/A
N/A
Regular APR
22.74% - 33.74%
variable
Annual fee
$39 (waived for the first year if you sign up for AutoPay before your first statement)
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Excellent/Good/Fair/Bad Credit
Benefits & Key features
- Annual Percentage Rate (APR) for purchases: 22.74% - 33.74% variable based on Prime Rate
- APR for cash advances: 33.74% variable based on Prime Rate
- Annual Fee: $39 (waived for the first year if you sign up for AutoPay before your first statement)
- Minimum interest charge: no less than $1.00 (ME residents no more than $0.50)
- Foreign transaction fee: 1% of the transaction amount
- Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International
- No security deposit required
- Initial credit limit up to $3,000
- We regularly report on your credit card performance to help you establish credit history
- Zero fraud liability (which offers protection against unauthorized purchases)
- While you wait for your Prosper® Card to ship, use a portion of your credit line instantly through Digital Wallet, My Prosper Card App, or Prosper.com
- Choose a monthly payment date that works for you
- Free mobile app--My Prosper Card
- See full terms and conditions here
Excellent / Good / Fair / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
22.74% - 33.74%
variable
Annual Fee
$39 (waived for the first year if you sign up for AutoPay before your first statement)
Milestone® Unsecured Mastercard®
Milestone® Unsecured Mastercard®
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Bad/Poor Credit
Intro APR for Balance Transfer
N/A
N/A
Regular APR
24.90%
Annual fee
$35 - $99 (Dependent on credit worthiness)
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Bad/Poor Credit
Benefits & Key features
- A Mastercard designed for you
- Quick and easy pre-qualification that does not impact your credit score
- A way to build on your credit history
- Fraud protection for stolen or lost cards
- Accepted Nationwide, wherever Mastercard is accepted
Bad / Poor
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
24.90%
Annual Fee
$35 - $99 (Dependent on credit worthiness)
Brigit
Brigit
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Fair/Bad/Limited Credit
Benefits & Key features
- Brigit helps you relieve stress today, start saving for tomorrow, and permanently transform your financial future.
- With the Brigit Plus Plan, you'll get access to instant cash, Brigit's credit-builder loan, $1 million of ID theft insurance, and more.
- Users on the Plus Plan will have access to up to $250 instantly with no credit check and no interest.
- The credit-builder loan allows you to build your credit up to 60* points with payments as low as $1 per month. *Individual results may vary.
- $9.99/month. No interest or fees on the cash advance or credit-builder loan
Fair / Bad / Limited
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
$0
Reflex Mastercard® Credit Card
Reflex Mastercard® Credit Card
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Bad/Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
29.99%
(Variable)
Annual fee
See Terms*
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Bad/Fair Credit
Benefits & Key features
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
Bad / Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
29.99%
(Variable)
Annual Fee
See Terms*
FIT® Platinum Mastercard®
FIT® Platinum Mastercard®
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Fair/Poor/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
29.99%
Annual fee
See Terms
Apply Now
Fair/Poor/Bad Credit
Benefits & Key features
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
Fair / Poor / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
29.99%
Annual Fee
See Terms
Loans Under 36 - Personal Loan
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes