• Credit score from 550 to 650
• Not more than 2 hard inquiries during the last 6 months - this is a major factor for getting denied
• Preferably has 2 other tradelines for at least 6 months - this can include student loans or auto loans etc
• On-time payments on all debt for at least 1 year
• No tax liens
• Minimum income of $20,000
• Checking Account Required

Pros

• Reasonable Annual Fee
• No Fees For Paying Bills
• Soft Pull For Pre-approval
• Accept Past Bankruptcy Applicants

Cons

• No App

This is one of the better unsecured credit card for rebuilders. It has a reasonable annual fee and does not charge any one-time application or processing fee and monthly fees. Rather than apply first and risk a hard pull, you first pre-qualify (only soft pull) and if you do pre-qualify, you can then decide if you want to proceed to get the card.

It is ok to apply for this card even if you have just emerged from bankruptcy and there do not check your income. However, it is best that you have a score between 600 and 640 for best chances of approval.

For those of you looking to add another credit card to your rebuilding efforts, this is one card you can consider.