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Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement.

The information about the costs of the card described above is accurate as of July 2018. To find out what may have changed, I may call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777.

offers an enhanced rewards program which is available as an option to highly qualified applicants only, based on creditworthiness.

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement. Cash back reward is paid each calendar quarter in the form of an automatic credit to the Account.

For a more in-depth look, check out our video primer on Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions.

Our marketing partners don’t review, approve or endorse our editorial content.

(the total amount of credit you’re currently using divided by the total amount of credit you have available) is on the higher end, you might consider making multiple payments each month, as this can reduce your credit utilization rate.

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” *Subject to the ninety-day non-variable APR balance transfer promotion, after my Account has been open for at least one year, my APR for purchases and balance transfers may also change based on my creditworthiness.

So, you need a credit card, but you've got poor credit or no credit history. The cards listed below can help you build credit for the first time, or rebuild your credit back to where it used to be.

Many of the cards you'll be looking at are secured credit cards, where you secure a small line of credit through a cash deposit.

Refer to your rewards terms and conditions for additional information.

Cardholder benefits are subject to change without notice.

Our online application portal is very secure to ensure your information is safe.

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