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Unsecured Credit Cards for Bad Credit

3.0 3.0 - 2,512 reviews for top rated card

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…show more

    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)*
    Apply Now at issuer's secure site
    • Unlimited 1% cash back gas rewards
    • No limit to the gas rewards you can earn

    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 - $95
    • Regular Rate 36% (V)

    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)

    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)

    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 - $99
    • Regular Rate 36% (V)

    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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    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:
    i have a first premier credit i love it
    July 29, 2014
    Photo of Stephanie C.
    By:
    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:
    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.