Card users with less-than-perfect credit have found secured credit cards to be an answer to credit needs. Since lenders are at more risk to lend to users with poor credit they require users to deposit money into an interest bearing account. The lender will then use that money as collateral and lend credit of 50-100% of the deposit amount. Using a secured credit card responsibly can help rebuild poor credit. Caution: Secured cards usually come with high annual fees, transaction fees application fees and more.

Eufora Associate MasterCard®

Cash Reward Program Auto Sweepstakes Entry Accepted Globally Zero Liability Global Customer Assistance    Eufora Associate MasterCard® Review Intro APR: APR Type: APR: Annual Fee: Card Type 1.9% Variable 9.9% $29.95 MasterCard

New Millennium Bank - Black Diamond MasterCard

Approved regardless of credit history Credit limits up to $10,000* Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check    New Millennium Bank - Black Diamond MasterCard Review Intro APR: APR Type: APR: Annual Fee: Card Type N/A Fixed 19.5% $59 MasterCard

New Millennium Bank - Black Diamond Visa

Approved regardless of credit history Credit limits up to $10,000* Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check    New Millennium Bank - Black Diamond Visa Review Intro APR: APR Type: APR: Annual Fee: Card Type N/A Fixed 19.5% $59 Visa