Am I eligible for credit cards after bankruptcy?

Yes, and the best type of card in this situation is undoubtedly a secured credit card. They’re a lot easier to get approved for than unsecured credit cards for people with damaged credit, and they tend to be a lot cheaper as well. That’s because you are required to place a refundable security deposit, the amount of which typically serves as your spending limit. You get this deposit back when you close your account, minus any unpaid balance, but in the interim it shields the card’s issuer from risk.

With that being said, the best two offers to consider are the Capital One Secured MasterCard and the Harley-Davidson Secured Visa. Neither charges an annual fee, which means they provide the ability to build credit at no cost. What’s more, the fact that the Capital One offer is actually what’s known as a partially-secured credit card means you could also qualify for a small emergency credit line without paying the notoriously high fees of “bad-credit” credit cards.