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Unsecured Credit Cards for Bad Credit

Unsecured Credit Cards for Bad Credit

While unsecured credit cards for people with bad credit do not require a security deposit for approval and might therefore seem to be a more attractive option than secured credit cards, the absence of a deposit means that they tend to have high membership fees and actually represent a more expensive means of credit building. What’s more, unsecured credit cards for bad credit are not always available. In fact, they essentially disappeared following the enactment of the Credit CARD Act in February 2010, which capped the fees issuers could charge consumers, causing unsecured credit cards for people with bad credit to become unprofitable. Ultimately, regardless of whether bad credit unsecured credit cards are available at the present time or not, we recommend opening a secured card. Secured cards have much lower fees, offer essentially guaranteed approval, and allow you to increase your credit line at will by simply adding to your deposit. The more credit you have available, the more pronounced your credit score gains will be. In addition, keep in mind that from time to time there may be a few partially unsecured credit cards listed in the secured credit cards section. These cards will not only provide you with an unsecured line of credit (i.e. a credit line higher than your required deposit), but will also likely have the same low fees and minimal approval requirements as secured cards. If you end up opening any type of unsecured credit card, you must be careful to spend within your means because not doing so will not only prevent you from getting out of bad credit, but will also add to your troubles.

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    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $99
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.90% - 23.90% (V)*
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    3

    First PREMIER® Bank Classic Credit Card

    first premier bank classic credit card
    • ANNUAL FEE $75 1st yr, $45 after
    • MONTHLY FEE None 1st year, $6.25 after
    • ONE-TIME FEES $75
    • REGULAR RATE 36% (V)
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    2.5

    First PREMIER® Bank MasterCard Credit Card

    first premier bank credit card
    • ANNUAL FEE $75 1st yr, $45 after
    • MONTHLY FEE None 1st year, $6.25 after
    • ONE-TIME FEES $75
    • REGULAR RATE 36% (V)
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    3

    First PREMIER® Bank Credit Card

    south dakota democratic party credit card
    • ANNUAL FEE $75 1st yr, $45 after
    • MONTHLY FEE None 1st yr, $6.25 after
    • ONE-TIME FEES $95
    • REGULAR RATE 36% (V)
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    2.5

    First PREMIER® Bank Gold Credit Card

    first premier bank credit card
    • ANNUAL FEE $75 1st yr, $45 after
    • MONTHLY FEE None 1st yr, $6.25 after
    • ONE-TIME FEES $95
    • REGULAR RATE 36% (V)
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    3

    Milestone Gold MasterCard® Credit Card

    milestone credit card
    • ANNUAL FEE $35-$75 1st yr, $35-$95 after*
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 23.9% (V)
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    COMMUNITY DISCUSSION

    Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    August 19, 2014
    Photo of Shanneek S.
    By: Shanneek Slagle
    i have a first premier credit i love it
    July 29, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    I have a First Premier card and I regret ever getting it. They will gauge you with fees for having bad credit. As soon as I get my credit score up, I am getting rid of this card pronto!
    May 15, 2014
    Photo of Tracy B.
    By: Tracy Bright
    I have the capital one unsecured card for bad credit and have been more than satisfied the two times I had to call in and deal with their customer service. Very friendly agents that, both times, were able to quickly resolve my issue. I also love that I can pay my bill with my debit card. That helps immensely. The interest rate is a little high in general, but about average for a bad credit card. The great thing about their customer service is their ability to re-examine your account and get you into a better rated card.