Created for those with a limited credit history or average credit. If used correctly with on-time payments, this card can help build a positive credit history. Acceptable interest rate, but still costly if you carry a balance. The annual fee is $39-$59 (determined by credit history) and the application fee is $19.

Created for those with a limited credit history or average credit. If used correctly with on-time payments, this card can help build a positive credit history. Acceptable interest rate, but still costly if you carry a balance. The annual fee is $49 and the application fee is $49 ($98 in fees the first year).

Created for those with poor or limited credit who are looking for a secured card to help re-build their credit. The annual fee is a reasonable $35 and the interest rate is acceptable for a secured card. Must have savings account to open a secured card account. Minimum deposit is $200.

This prepaid card offers cash rewards for referring new applicants. Earn $20 per year if your referral receives a card at the Associate level and maintains their account. They also offer a monthly drawing for 30 cars- you will receive 1 entry per $100 spent. There are no application or participation fees. Annual fee is $29.95. Your first deposit can be $5-$5000, setting the limit on your card. Additional cards available for $9.95 per card.

Pre-paid card with no annual fee. Applicaion fee is $9.95; monthly fee is $3.95 (fees total $57.35 in 1st year). Minimum load is $10. Card offers direct deposit and a rewards program. Earn 1 point per $1 spent on purchases. Earn unlimited points; points do not expire. Points earned may be used for music downloads, ring tones, calling cards and prepaid wireless service. Employment verification and credit checks are not required for this card.

The Continental Finance Gold MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance. The main benefit of this unsecured credit card is that it reports to credit bureaus. This

Requires first load of $20. There is no fee to load the card with direct depost. You will pay a fee with other types of funding. Fees include: $29.95 set-up fee, choose betwee a $7.95 monthly fee or $1 per transaction fee (choose the monthly fee if you make over 8 transactions each month). They also offer a free BuyRight Membership. This gives you access to a pre-approved $5,000 line of credit that you can only use on purchases at the BuyRIGHT Marketplace; this is not connected to the BuyRIGHT prepaid card. The BuyRIGHT awards program offers 1 point per $1 on purchases. Earn unlimited points; points do not expire.