Having bad credit is something that alters your chances at credit card rewards. This includes travel cash back and rewards you would get on big purchases. At this point your goal shouldn’t be to apply for a million credit card to see which one allows the most credit. You should be rebuilding your credit first. Having just one or two secured credit cards can help start you off on a positive track to rebuild your credit. It is true that many if not all secure credit cards demand an annually fee, but the benefit here is the three credit bureau will get a report of your payment history. This will help your relationship with the bureaus and getting you back an increase in credit score.