If you wanted to get good credit cards to build credit or develop a credit score that has been damaged by past financial problems, the best ways to do so are by using a secured credit card. Secured good credit cards can effectively improve credit history. And it is definitely not something that can happen just in days –for some credit holders it would take five to six months of opening the account, for some, it might even take a longer period.

• Discover it Secured Card
  This card gets the user 2% cash back up to $1,000 value of debt per quarter on restaurants and gas stations and 1% on every other expense. On regular basis, it is a good credit card to build credit. From a secured credit card, after eight months, it will automatically discover and evaluates the cardholder’s account for possible upgrading to an unsecured card. The most attractive deal is that the annual fee is $0.
  Drawback: There is a minimum deposit of $200 to be deposited at the initial time, through a bank account. For those who are unbanked, there is no other option and for some the maximum credit limit is $2,500. However, the Discover it Secured Card with No Annual Fee is one of the best.

• OpenSky Secured Visa
  This card is pretty attainable option for people who do not have a traditional bank account or damaged credit (a rare option for few secured cards). The bank doesn’t drive a credit check on OpenSky Secured Visa applicants. The deposit of minimum $200 and maximum $3,000. The cardholder can pay bills with a debit card, money order, wire transfer.
  With an ongoing APR 18.14%, a small disadvantage of this card is that it is not that reasonable for a card with poor credit, not $0 anyway as the annual fee is $35. One can rebuild the credit with OpenSky Secured Visa hassle freely.

• Capital One Secured MasterCard
  This makes a unique mark because for most secured cards, the deposit must be equal to the credit limit. However, the Capital One Secured MasterCard offers a limit according to the credit spend of $200 for a deposit of $49, $99 or $200. Even if the cardholder is not able to do a full payment, installments can be made (before activating the card). Once the first five payments are punctual, the cardholder can access higher credit limit. The ongoing APR 24.99% and to talk about the disadvantage, one cannot qualify if the applicant does not have a saving account, checking account, monthly rental higher than the monthly income and non-discharged bankrupt. The ongoing APR 24.99%. However, For the first time, Capital One Secured MasterCard is an outstanding light for someone getting a credit card and not a great fit for those recovering from a major credit loss.
• Digital Federal Credit Union Visa Platinum Secured Credit Card
  This card is pretty good to work with. $0 annual fee, no balance transfer or cash advance charges. The ongoing APR is variable of 12.50%, which is half the rate of many popular secured cards. Most of the secured cards need a security deposit equal to the credit limit. but this one does not have a limit on deposit. The only way of getting Digital Federal Credit Union Visa Platinum is only by being a member of Digital Federal Credit Union. Although it is not a complex process, most can avail but it is a jump through.
  The Digital Federal Credit Union Visa Platinum Secured Credit Card is inexpensive when compared with other secured cards. The best every method to build a credit is by paying the card bill completely every month.

• The Citi Secured Mastercard
  This is also eventually one of the good credit cards to build credit. With $0 annual fee, ongoing APR is variable at 23.49%. The minimum deposit starts with $200 and the maximum of $2,500. Before applying it is better to make a point there is no bankruptcy within the past two years as that would block the applicant in qualifying for the card.
• The Wells Fargo Secured Visa Card
  This card is again another good credit card that has a high potential credit deadline. With a minimum amount of $300 and maximum of $10,000, there is no time structure for upgrading. Wells Fargo uses the responsible credit to help the cardholder upgrade to an unsecured card. However, it is good attractive for someone with poor credit to start with but the only challenging task is that the deposit amount is pretty high.

The other additional features to consider in order to save money and protect credit score is by looking out for cards with the lowest annual fee and security deposit.

• Extra Fee for monthly maintenance and initial.
• Processing Charges.
• Charge to upgrade to an unsecured version of the card.
• Penalty APR.
• Credit bureau reporting.
• Pre-qualification
• Bonuses