Answer: -It really depends on how bad your credit is. I have a bankruptcy on my credit and so my credit is really bad. I have an Orchard Bank card (as does my hubby). His card is a $500 limit with a $5/month fee to have the card, mine is a $300 limit with a $39/year charge to have the card. I also have a Tribute Mastercard and that had a $150 application fee and a $29 annual fee...so it was much easier to get, but a lot up front...it was worth it to me to get a card to rebuild my credit. -There are many choices. Get one that doesn't want an annual fee. -try these sites:Firstsavingscc.com. Householdbank.com .creditonebank.comThese all have credit cards for people with bad credit. Most have a minimum credit line of $300. Good luck! -First Premier Bank or Orchard Bank are the two best in my opinion for bad credit.