Using a credit card, you can pay for purchases and services availed now at a later date. However, it is one of the primary reasons for accumulated debt that has to be settled eventually. Failure to do so can directly impact your credit rating, making it difficult to avail credit or loans in the future. However, if you already have bad credit, the following secured and unsecured credit cards can help you rebuild your credit report.

• Discover it® Secured
  Your credit rating should not necessarily affect the rewards and upgrade points you get on making purchases and availing services with this card. This is one of the reasons why Discover it® Secured is a great option among credit cards for people with bad credit. There is no annual fee for using the card, and you get 2% for every $1000 spent at restaurants and on gas and 1% on other purchases every quarter. Though the variable APR is slightly on the higher side at 22.99%, Discover It® Secured credit is available for applicants with a poor credit score of 300-629.
• Milestone® Gold MasterCard®
  If rebuilding damaged credit is your topmost priority over low APR and balance transfers, then Milestone® Gold Mastercard® offers you just the right opportunity to do so, even with a previous bankruptcy. However, this exclusive opportunity comes with an annual fee that ranges between $35-$99 depending on the services, a 1% foreign transaction fee, and an ongoing APR of 24.90%. Moreover, the company also consults with all three credit bureaus to enable seamless credit repair services.
• Open Sky® Secured Visa® Credit
  Open Sky® offers excellent credit for applicants with a poor to average credit score in the range of 300-689. You also enjoy a low variable APR of just 17.39% charged annually. This is one of the popular credit cards for people with bad credit, considering there is no credit check necessary to qualify. You also don’t need a bank account as all wire transfers, deposits, and bill payments can be made using the card directly. However, you must meet the income standards set forth by the company. The card does have an annual fee, and there is no upgrade available for unsecured credit in case you want to switch.
• Capital One® Platinum Credit Card
  If you prefer having an unsecured card for poor credit then Capital One® Platinum is the right choice for the lowest rating of 350. The variable APR is set at 26.99%, and there is no annual fee for the card. The company also does not charge a standard fee for balance transfers and foreign transactions. While there are no rewards programs, you still have a better chance of improving your credit limit. You may also be eligible for pre-qualified card offers.