If you have bad credit or have filed for bankruptcy, then here are three credit cards just for you. Use one or more of these as a stepping stone to rebuild and restore your credit rating.

OpenSky Secured Visa Credit Card

• With an annual fee as low as $35, the Open Sky Visa credit card does not need any background credit check for approval. Nor does the card require you to have a traditional bank account.
• The annual percentage rate (APR) for borrowing money on credit is nil for the first three months of use irrespective of the kind of purchases you make.
• After the initial three month period you pay 17.39% variable interest on your bill amount.
• You have the option of choosing your credit limit. It can be as low as $200, going all the way up to $3000. This is the amount you pay as a refundable deposit when you apply for the Open Sky Visa credit card.
• Open Sky reports to all three major credit bureaus, the Equifax, Experian, and TransUnion.
• If you make monthly minimum payments consistently, then rebuilding your credit score is quicker, possible in maybe six months even.
• With Open Sky you can build better possibilities for tomorrow, no matter how damaged your credit score is today.

Green Dot Primor Visa Gold Secured Credit Card

• The Green Dot Primor Visa Gold Secured Credit Card is available if you can make a refundable deposit of anything between $200 and $5000. And that amount acts as your credit limit too.
• The annual fee for this Visa credit card is $49. But there is no processing or application fees, or minimum credit score required to apply for this secured credit card.
• The interest rate on purchases is low. It is fixed at 9.99%. Remember, the advantage is there is no penalty for paying late.
• Because Green Dot reports to all three major credit bureaus here in the country, your chances of improving the credit score increase with the responsible use of the card.
• Spend within your credit limit, make monthly payments on time, keep your card balance low, and there is no easier way to build up a good credit score over time with Green Dot Primor.

Indigo® Platinum Mastercard

• If you are over 18 years of age, your application has not been rejected within the last six months and you are keen on re-establishing your credit after hitting rock bottom, then you can apply for the Indigo Platinum Mastercard after getting prequalified for it.
• While there are no cashback, miles, or points on the Indigo Platinum Mastercard, you can obtain this credit card even if you have filed for bankruptcy earlier.
• Keep in mind that your credit limit will be determined only after your credit card application has been reviewed and approved.
• Depending on your creditworthiness, the annual fee for using this credit card will vary anywhere between $0 and $99.
• If you can demonstrate responsible use of this Mastercard, then the report sent to all three major credit bureaus is bound to improve your credit score.
• If you are tech-savvy, then you can activate your new Indigo Platinum Mastercard, monitor its usage, view transactions, pay your bills, and check your balance online via your computer, tablet, or mobile phone.