Editor's Choice Awards: Best Credit Cards of 2014

By cardratings.com, CardRatings contributor
Updated, December 14, 2014
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Best credit cards for poor credit

man with empty pocket

Exceptional banks understand how taking a chance on a consumer today can lead to long-term loyalty. We found credit cards you won't be unhappy to carry while you're restoring credit or building your first-time credit profile.

  • Harley-Davidson® Visa® Secured Card. One of the most unusual rewards programs in the credit card business also happens to be accessible to consumers who want to rebuild their credit.
  • nRewards® Secured Credit Card. Navy Federal Credit Union offers its own version of a secured credit card (to qualified credit union members) with a flexible rewards program and one of the country's lowest APRs for any kind of card (not just among secured cards), currently starting at 8.99 percent (rate bases on evaluation of credit history).
  • BankAmericard® Secured Credit Card. This no-frills card lands on our list for its easy application process and support through its substantial retail footprint.

What our editors love: While most secured credit cards seem like sketchy deals, each one of these three lenders shows a willingness to treat customers with poor credit fairly, and with an eye toward rebuilding credit instead of maximizing fees.

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.

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