You need to have just a valid credit score to qualify for an unsecured credit card. Secured credit cards are basically designed for those who have no credit score at all and those with heavily damaged credit or recent bankruptcy. In all other cases unsecured cards are easily available to apply for. With the credit score of 650-850 you can get an excellent or good credit card with lowest interest rates and rewards. If your score is average or even less, say it is between 350 and 659, because your credit history is too short and you're currently developing it, you can count on average or limited credit offers. In case your history got a hit by late payments and now needs improvement, consider cards for bad credit score. They have low limits but are a good way to rebuild your credit overtime if you make all your payments on time and do not exceed the balance. So, check your credit score to know which card you qualify for. We advise you pull the score from all the three bureaus as the bank may consider the 3 variants of it. Some banks may use only one bureau to assess your eligibility.

With all you say, you seem to a potential lender as someone with a very poor credit and shaky financial situation. Besides, you are on a retirement now and it does not give confidence in your great payment resources. All you can count on in your situation is a small limit card for bad credit or a secured card, both being a good way to reestablish your credit history. Your approval though will depend on many factors such as your household income, your current balances if any, how you pay for them, etc. If you prefer unsecured credit, look at Orchard Bank offers. Orchard Bank Classic MasterCard®, for example, is a bad credit offer with 0% intro APRs on purchases and balance transfers. It is a great opportunity to save while repairing your credit. You may consider a secured credit card if you want to have more chances for approval and better opportunities to rebuild credit. Secured cards online report to national credit bureaus which allows you to improve credit faster.So, choose which variant suits you most. Apply online and get a second chance for a favorable credit rating.