Re-establishing good credit after a period of financial turmoil can be a major struggle for many consumers. There is a light at the end of the tunnel though, as there are ways you can get a credit card despite bad credit. There are even credit cards available specifically to consumers who have less-than-perfect credit scores. Secured credit cards are often used to rebuild consumer credit and, luckily for those in need, there are plenty of credit card companies offering options to consumers with poor credit scores. Not all secured credit cards are created equally though, and there are a plethora of options to meet various consumer needs. Here is a look at some of the credit card companies that offer credit card products to consumers with less-than-perfect credit scores.

Fix Your Credit with Secured Credit Cards
Credit can be re-established by using secured credit cards. Secured credit cards require a minimum deposit. Often you are responsible for reloading the card. In turn, the credit card company will report your activity to the three major credit bureaus and allow you to begin rebuilding your credit profile.

Orchard Bank
Orchard Bank offers several products to consumers, and you will be considered for four different credit cards including secure and unsecure cards. Orchard Bank provides secured credit cards which require a minimum customer deposit of $200. Essentially, your money fuels the card, but the card reports to the major credit agencies. This can help to improve your credit score. Additionally, this secured card has a low APR of 7.99%.

SEE: 10 Reasons To Use Your Credit Card

First Premier Bank
Another credit card that consumers with less-than-perfect credit may want to consider is the First Premier Bank credit card. This card requires consumers to pay a processing fee of $95.00 and allows a starting credit limit of $300. At first glance the only major drawback to the First Premier Bank credit card is the steep APR rate of 36%.

Capital One
A secured credit card from Capital One can also be a very attractive option for struggling consumers. The secured credit card from Capital One has a 22.9% variable APR and requires a customer deposit of $49, $99 or $200, depending on your credit rating. Similar to the Orchard Bank secured credit card, you fund the card with your own money while improving your credit score.

Digital Federal Credit Union
Digital Federal Credit Union offers consumers with poor credit scores a secured credit card with an 11.5% APR. Consumers are required to make a deposit of at least $500, and the deposit becomes the line of credit. Digital Federal Credit Union's product is an excellent choice for consumers who are trying to rebuild their credit.

Citi offers an attractive secured Mastercard for struggling consumers that boasts a low annual fee of $29. This card requires at least a $200 minimum deposit, but a unique perk that Citi bank offers is that it invests your deposit in a CD where it can gain interest. After 18 months, if you have proven to be a good customer, Citi will consider upgrading you to a traditional credit card. The only apparent down side to this card is the 18.24% APR on purchases, and 25.24% APR on cash advances

SEE: Top 5 Ways To Make Your Credit Card Work For You

The Bottom Line
While many consumers continue to struggle in today's economy, credit can be rebuilt with the help of a secured credit card. Once you have proven you are credit worthy, you will be able to move up from a secured credit card to a traditional unsecured card. Rather than allowing your credit woes to continue to haunt you, do something about your situation and turn your credit profile around by signing up for a secured credit card.

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