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Q: After some financial crisis in my life the last few years, I eventually declared bankruptcy. Now, two years later, I’m more responsible financially and I’m looking to apply for a credit card. What should is available for me? A: Someone who has declared bankruptcy in the past five years is going to have the best luck with secured cards or with the Milestone® Gold Mastercard® (read our review here). The benefit of the Milestone® card is that it is a real credit card accepted at over 35 million locations, has no hidden fees, and accepts applicants even with a prior bankruptcy on their record. You can even use their quick pre-qualification tool to see if you have a good chance of being approved — with no impact to your credit score. (Just remember: pre-qualification is not the same as pre-approval. Once you apply, they will then run a hard credit pull. Only then will a final approval be made.) If you have declared bankruptcy more than five years but less than ten years ago and your credit score is in the mid 600s or above, you will probably qualify for cards for those with fair credit, such as the Milestone card or the Capital One classic card. After ten years, the bankruptcy will be off your record and will not affect which card you can qualify for, but if it has been five years or less, secured cards and prepaid debit cards are your best bet. Secured credit cards require a down payment, usually equal to your credit limit. The credit limit on these cards is very low, also, so these cards are not the solution if you are in a pinch. If you are hoping to rebuild credit, however, or just need a card for hotel or car rentals, they are exactly what you are looking for. You can try the Capital One Secured MasterCard. If you are hoping to improve your credit with this card, make sure the card you choose reports to the credit bureaus.