Best Unsecured Credit Cards for Bad Credit

The easiest credit cards to get with bad credit are the OpenSky® Secured Visa® Credit Card and the OpenSky® Plus Secured Visa® Credit Card. Because these are secured cards that don't require a credit check, you can get an OpenSky card as long as you have a U.S. mailing address, proof of your identity, and some income.

Easiest Credit Cards to Get with Bad Credit

If you’re looking for an unsecured credit card for bad credit, one of the easiest to get is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card gives you 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The card has an annual fee of $75 intro 1st yr, $99 after.

You should be wary of credit card companies that offer unsecured credit cards to people with bad credit, though. They can give you an unsecured line of credit, but most come with big fees and high interest rates. Unless you need an emergency loan, it’s better to get a secured credit card and build up your score enough to qualify for a good unsecured card. 

Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card. This card offers a $300 starting credit limit, the potential for automatic credit line increase, and rewards on select purchases. The annual fee is $75 for the 1st year...

Yes, you can get a credit card with bad credit and no money down, though your options may be limited, and the available offers can be expensive. One notable example is the Credit One Bank® Platinum Visa® for Rebuilding Credit, which doesn’t require a security deposit and accepts applicants with bad credit, too. However, the card charges an annual fee of $75 intro 1st yr, $99 after.

Notable Credit Cards for Bad Credit With No Money Down

If you still don’t know which...

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit because you can get approved for it even with bad credit. This card offers a $300 starting spending limit, and you can use it wherever Visa is accepted.

Easiest Unsecured Credit Cards to Get Approved For

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power,...

The best credit-building credit card for bad credit is the U.S. Bank Cash+® Visa® Secured Card because it accepts applicants with a credit score as low as 300 and sends monthly reports to the credit bureaus. The card also comes with a $0 annual fee and offers 1 - 5% cash back on all purchases. Because it’s a secured credit card, you’ll have to put down a refundable deposit of at least $300. Your card’s credit limit will match the deposit amount.

Best...

You can find a list of available unsecured credit cards for bad credit here​​​​​​​. Keep in mind that most of these cards will charge high fees without providing you with much spending power.

The main difference between a secured credit card and an unsecured credit card is that secured cards require you to place a refundable security deposit when you open your account. Apart from this security deposit, secured and unsecured credit cards aren't necessarily better or worse for your credit. The amount of this deposit typically serves as the credit limit for the secured card, which means you have to pre-pay for purchases with a secured card. You’ll usually have to...