Platinum credit card secured credit card from USAA is a real credit card which isn’t a prepaid or debit credit card, that helps you build or improve your credit score. When you apply, you’ll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.

If you need a credit card but have a poor credit history, don’t despair — bad credit credit cards are available that can meet most needs and this is not common knowledge. No doubt you have had people tell you that if you have bad credit, no lender will touch you but this is not the case for most people. As long as you have the income to repay the debt, lenders will usually be prepared to loan to you.

It may sound like the stupidest financial move ever: getting credit cards after bankruptcy. But done right, it may be one of the smartest moves you can make for your credit. The main purpose for getting new credit cards after bankruptcy is to help boost your credit scores, which most likely took a hit when you filed.

The Wells Fargo Secured Card has a few restrictions on eligibility. If you have declared bankruptcy within the past 12 months or have any unsettled liens, you won’t qualify. Interestingly, you only need to be 18 to qualify unless you live in Alabama (where you have to be 19) or in Mississippi or Puerto Rico (where you have to be 21).

Let me start by saying that this is a first-rate secured credit card. Really, the only downside to the Navy Federal Credit Union nRewards Secured Card is that to be eligible, you have be in the military or related to someone who is. But if you meet the eligibility requirements, this is one of the best cards out there for rebuilding or establishing credit.