Here are some of the best unsecured credit cards for bad credit:
- Petal 1 Visa® Credit Card: This card offers no annual fee. You can also earn a credit line increase after six months of on-time payments.
- Mission Lane Visa® Credit Card: This card offers a credit limit of $300 to $2,000 and no annual fee. It also has a low introductory purchase APR of 0% for the first 12 months.
- Capital One QuicksilverOne Cash Rewards Credit Card: This card offers a cash back rewards program of 1.5% on all purchases. It also has a low introductory purchase APR of 0% for the first 15 months.
- Total Visa® Credit Card: This card offers a credit limit of $300 to $1,000 and no annual fee. It also has a low introductory purchase APR of 0% for the first 15 months.
- Upgrade Visa® Card: This card offers a credit limit of $300 to $20,000 and no annual fee. It also has a low introductory purchase APR of 0% for the first 15 months.
These are just a few of the many unsecured credit cards that are available for people with bad credit. It is important to compare the different cards and choose one that is right for you.
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*See site for details Learn More |
Purchase APR Rate: 0% APR – Monthly Fee: See website for Details* – Credit Needed: Damage credit to Fair credit – Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com) Rates & Fees | |
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Purchase APR Rate: 35.99%* – Annual Fee: See Terms* – Program Fee: $95.00* – Credit Needed: Fair/Bad Credit | |
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Purchase APR Rate: 29.49% – 31.49% Variable – Annual Fee: $0 – Credit Needed: Excellent, Good, Limited History, No History, Limi – Late Payment Fee: $0 | |
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Intro Rate: N/A – Intro APR Period: N/A – Purchase APR Rate: 35.90% Fixed – Annual Fee: $75 – $125 – Credit Needed: Fair/Poor/Bad/Limited – Return Payment Fee: Up to $41.00 – Late Payment Fee: Up to $41.00 – Foreign Transaction Fee: 3% of each transaction in U.S. dollars Rates & Fees | |
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Intro Rate: N/A – Intro APR Period: N/A – Purchase APR Rate: 35.90% Fixed – Annual Fee: See terms – Credit Needed: Fair/Poor/Bad – Return Payment Fee: Up to $41.00 – Late Payment Fee: Up to $41.00 – Foreign Transaction Fee: 3% of each transaction in U.S. dollars | |
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Intro Rate: See website for Details* – Intro (Purchases): See website for Details* – Intro (Balance Transfers): See website for Details* – Intro APR Period: See website for Details* – Purchase APR Rate: 35.90% Fixed – Annual Fee: $75 – $125 – Credit Needed: See website for Details* – Return Payment Fee: Up to $41.00 – Late Payment Fee: Up to $41.00 – Foreign Transaction Fee: 3% of each transaction in U.S. dollars Rates & Fees | |
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*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. Learn More |
Intro (Purchases): N/A – Intro (Balance Transfers): N/A – Purchase APR Rate: 14.99% – 29.99% APR – Annual Fee: $0 – Credit Needed: Excellent, Good, Fair, Average – Credit Line: $500 – $25,000 – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3% Rates & Fees | |
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. PersLearn More | |
Purchase APR Rate: 9.99%- 35.99% APR – Credit Needed: Fair, Good, Excellent | |
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Purchase APR Rate: 29.99% – Annual Fee: See website for Details* – Credit Needed: Poor/Damaged Credit – Return Payment Fee: Up to $38 – Late Payment Fee: Up to $38 | |
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Purchase APR Rate: 29.49% – 34.49% Variable – Annual Fee: $0 – Credit Needed: Fair, Limited History, No History, Limited, No Cre – Return Payment Fee: Bounced payment fee up to $29. – Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment. – Foreign Transaction Fee: $0 | |
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*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. Learn More |
Intro (Purchases): N/A – Intro (Balance Transfers): N/A – Purchase APR Rate: 14.99% – 29.99% APR – Annual Fee: $0 – Credit Needed: (620+) Excellent, Good, Fair, Average – Credit Line: See website for Details* – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3% Rates & Fees | |
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Purchase APR Rate: See terms – Annual Fee: See terms – Credit Needed: Poor to Good – Foreign Transaction Fee: 1% of each transaction in U.S. dollars. | |
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Purchase APR Rate: See terms – Annual Fee: See terms – Credit Needed: Fair/Good – Foreign Transaction Fee: 1% of each transaction in U.S. dollars. | |
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*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. Learn More |
Purchase APR Rate: 21.96% -29.99% – Annual Fee: $39 – Credit Needed: See website for Details* – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 5% Rates & Fees | |
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*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. Learn More |
Purchase APR Rate: 14.99% -29.99% – Annual Fee: $0 – Credit Needed: See website for Details* – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3% Rates & Fees | |
Here are some factors to consider when choosing an unsecured credit card for bad credit:
- Credit score: The minimum credit score requirement for an unsecured credit card will vary from lender to lender.
- Fees: Unsecured credit cards for bad credit often have higher fees than cards for people with good credit. Be sure to compare the annual fee, interest rates, and other fees before choosing a card.
- Rewards: Some unsecured credit cards for bad credit offer rewards, such as cash back or travel points. If you are looking for a rewards card, be sure to compare the rewards programs of different cards.
It is also important to use your credit card responsibly. Only charge what you can afford to pay off each month, and make your payments on time. This will help you improve your credit score and qualify for better credit cards in the future.
Can you get an Unsecured Credit Card with No Credit History?
Yes, it is possible to get an unsecured credit card with no credit history. There are a few different types of credit cards that are designed for people with no credit history or bad credit.
- Student credit cards: Student credit cards are a good option for students who are just starting to build their credit history. These cards typically have lower credit score requirements than traditional credit cards.
- Secured credit cards: Secured credit cards require a security deposit, which is typically equal to the amount of your credit limit. This deposit is held by the lender as collateral in case you are unable to pay off your balance. Secured credit cards are a good option for people who have no credit history or bad credit, as they can help you build your credit score over time.
- Store credit cards: Store credit cards are typically easier to get approved for than traditional credit cards. However, they often have high interest rates and fees. Store credit cards are a good option for people who are only looking to make purchases at a particular store.
- Cards for people with fair or bad credit: There are also a number of credit cards that are designed for people with fair or bad credit. These cards may have higher interest rates and fees than cards for people with good credit, but they can still be a good option for people who are trying to improve their credit score.
Here are some tips for getting an unsecured credit card with no credit history:
- Shop around: There are a number of different credit cards available for people with no credit history. It is important to shop around and compare the different cards before choosing one.
- Be prepared to make a security deposit: If you are applying for a secured credit card, you will need to be prepared to make a security deposit.
- Use your card responsibly: It is important to use your credit card responsibly and make your payments on time. This will help you build your credit score over time.
With a little effort, you can get an unsecured credit card with no credit history. Just be sure to shop around, compare the different cards, and use your card responsibly.
What is the Easiest Secured Credit Card to Get?
Here are some of the easiest secured credit cards to get:
- Capital One Quicksilver Secured Cash Rewards Credit Card: This card has a minimum security deposit of $200 and a credit limit of up to $2,000. It also offers a cash back reward of 1.5% on all purchases.
- Discover it® Secured Credit Card: This card has a minimum security deposit of $200 and a credit limit of up to $2,500. It also offers a cashback reward of 2% on up to $1,000 in purchases each quarter, plus 1% on all other purchases.
- OpenSky® Secured Visa® Credit Card: This card has no credit check requirement and a minimum security deposit of $200. The credit limit is based on the amount of the security deposit.
- Self Visa® Secured Credit Card: This card has no credit check requirement and a minimum security deposit of $250. The credit limit is based on the amount of the security deposit.
- Chime Secured Credit Builder Visa® Credit Card: This card has a minimum security deposit of $200 and a credit limit of up to $2,000. It also offers a cashback reward of 1% on all purchases.
These cards are all relatively easy to get approved for, even if you have no credit history or bad credit. They are also a good way to build your credit score, as they report your payments to the major credit bureaus.
Here are some factors that make a secured credit card easy to get:
- Low credit score requirement: Secured credit cards typically have low or no credit score requirements. This makes them a good option for people with no credit history or bad credit.
- No credit check: Some secured credit cards do not require a credit check. This means that you will not be denied based on your credit score.
- Low security deposit: The security deposit is the amount of money that you must deposit with the lender in order to open the card. Secured credit cards typically have low security deposits, which makes them affordable for people with limited budgets.
If you are looking for an easy-to-get secured credit card, be sure to compare the different cards and choose one that is right for you.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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