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.
Secured Chime Credit Builder Visa® Credit Card
Secured Chime Credit Builder Visa® Credit Card
Apply Now
Poor/Bad Credit
Benefits & Key features
- In order to be eligible, you must first open a Chime® Checking account and receive a qualifying direct deposit of $200 or more.
- The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
- No credit check to apply, no annual fees, and no minimum security deposit1
- Chime is a financial technology company, not a bank. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
Poor / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
N/A
N/A
Annual Fee
$0
Walmart MoneyCard®
Walmart MoneyCard®
Apply Now
Excellent/Good/Fair/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$0
Apply Now
Excellent/Good/Fair/Bad Credit
Benefits & Key features
- Get a $25 bonus when you direct deposit your federal or state tax refund to your WalMart MoneyCard account and receive a qualifying new direct deposit of $500+ by 6/30/23.*
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
*Please see site for full terms and conditions.
Excellent / Good / Fair / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
$0
Merit Platinum Card
Merit Platinum Card
Apply Now
Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
0%
fixed
Annual fee
See website for Details*
Apply Now
Fair Credit
Benefits & Key features
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- No Employment or Credit Check
Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
0%
fixed
Annual Fee
See website for Details*
Petal® 1 "No Annual Fee" Visa® Credit Card
Petal® 1 "No Annual Fee" Visa® Credit Card
Apply Now
Bad/Fair/Limited Credit
Intro APR for Balance Transfer
N/A
Regular APR
24.24% - 33.74%
Variable
Annual fee
$0
Apply Now
Bad/Fair/Limited Credit
Benefits & Key features
- $0 Annual Fee
- Variable APRs range from 24.24% - 33.74%
- $300 - $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank
Bad / Fair / Limited
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
24.24% - 33.74%
Variable
Annual Fee
$0
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