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Unsecured Credit Cards for Bad Credit

3.0 3.0 - 2,684 reviews for top rated card

While unsecured credit cards for bad credit do not require a security deposit for approval and might therefore appear to be more attractive than secured credit cards, the absence of a deposit results in higher fees, more stringent approval requirements, and only about $200 of available credit. In addition, secured cards allow you to increase your credit limit by simply adding to your deposit, whereas their unsecured counterparts offer no such option. We therefore recommend opening a secured card unless you absolutely need a loan of up to $200.



Even then, it’s worth at least checking out the secured cards…show more

    Credit One Bank® Credit Card with Gas Rewards


    credit one credit card
    • One-Time Fees None
    • Regular Rate 17.90% - 23.90% (V)*
    • Annual Fee $35 - $99
    • Monthly Fee None
    • Minimum Credit Bad

    Milestone Gold MasterCard® Credit Card


    milestone credit card
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    • Annual Fee $35-$99*
    • Monthly Fee None
    • Minimum Credit Good, Fair, Bad
    • Quick pre-qualification available with no impact to your credit score
    • Fast and easy instant decision
    • Choose your custom card design - Free
    • Free online account access
    • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
    • Accepted at over 35 Million Locations Worldwide!
    • Previous bankruptcy OK
    • *Dependent on credit worthiness
    • See All Reviews & Details About The Milestone Gold MasterCard® Credit Card

    First PREMIER® Bank MasterCard Credit Card


    first premier bank credit card
    • One-Time Fees $0 - $95
    • Regular Rate 36% (V)
    • Annual Fee $75 1st yr, $45 after
    • Monthly Fee None 1st year, $6.25 after
    • Minimum Credit Bad
    • This card requires a one-time up front Processing Fee. This one-time fee appears to regularly fluctuate and this is why it is listed as a range. The fee needs to be paid in full before the credit card account is opened by First Premier. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
    • Your initial credit limit will be $300 and your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card.
    • Your account history reports to the major Consumer Reporting Agencies
    • Use your card everywhere MasterCard® cards are accepted.
    • Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
    • * We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
    • See All Reviews & Details About The First PREMIER® Bank MasterCard Credit Card

    First PREMIER® Bank Gold Credit Card


    first premier bank credit card
    • One-Time Fees $95
    • Regular Rate 36% (V)
    • Annual Fee $75 or $100 1st yr, $45 after
    • Monthly Fee None 1st yr, $6.25 after
    • Minimum Credit Bad
    • This card requires a one-time up front Processing Fee of $95.00 to be paid in full before the Credit Account is opened. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
    • Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
    • * We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
    • See All Reviews & Details About The First PREMIER® Bank Gold Credit Card

    First PREMIER® Bank Classic Credit Card


    first premier bank classic credit card
    • One-Time Fees $75 - $95
    • Regular Rate 36% (V)
    • Annual Fee $75 1st yr, $45 after
    • Monthly Fee None 1st year, $6.25 after
    • Minimum Credit Bad
    • This card requires a one-time up front Processing Fee. This one-time fee appears to regularly fluctuate and this is why it is listed as a range. The fee needs to be paid in full before the credit card account is opened by First Premier. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
    • Your initial credit limit will be $300 and your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card.
    • Reports your credit history to the major Consumer Reporting Agencies.
    • Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
    • * We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
    • See All Reviews & Details About The First PREMIER® Bank Classic Credit Card

    First PREMIER® Bank Credit Card


    south dakota democratic party credit card
    • One-Time Fees $95
    • Regular Rate 36% (V)
    • Annual Fee $75 1st yr, $45 after
    • Monthly Fee None 1st yr, $6.25 after
    • Minimum Credit Bad
    • This card requires a one-time up front Processing Fee of $95.00 to be paid in full before the Credit Account is opened. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
    • Based on your initial credit limit of $300.00, your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card.
    • Reports your credit history to the major Consumer Reporting Agencies.
    • Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
    • * We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
    • See All Reviews & Details About The First PREMIER® Bank Credit Card

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    COMMUNITY DISCUSSION

    Ask a question or help others find the best credit card by sharing some tips.

     
    Feb 20, 2015
    By:

    --Comment from Skye ThaBoss Luchiano--

    Feb 20, 2015
    I am currently using the First Premier Bank Classic Credit Card unsecured card to help build my credit. It only has a $300 limit, but it is all I need to start rebuilding my credit after having about 5 years of credit issues. I was a breeze to apply and I was approved right away. I would recommend this card to anyone who really wants to start rebuilding. I had to pay a lot of fees up front, but this was worth it for an unsecured card. Many times, companies will only approve you for a secured card, which is not as good as an unsecured one. Once I pay this card for about a year, I am sure i will begin to receive offers for better cards.
    Nov 28, 2014
    By:

    --Comment from Tim Lawrence--

    Nov 28, 2014
    I have two different low credit score unsecured credit cards. One is the CreditOne Bank Platinum card and the other is a CapitalOne Platinum card. They are both designed to build credit and they have helped me in that department. I charge something each month and pay that off, I also have them around for emergencies. The CapitalOne Platinum in my opinion is much better, it is with a more common name, it is much less expensive to have around and they are a lot better with their customer service. Though they both have options to customize your card for an extra charge, which to me seems crazy when they are already so expensive to have. The CreditOne has an annual fee of $95, which is very costly when you figure it's for a $400 credit line and they nickle and dime you. For instance you can make your monthly payment online, but if you want it to be an express payment it will cost you. Bottom line for me, the CapitalOne Platinum card is a much better tool to improve your credit score.
    Aug 19, 2014
    By:

    --Comment from Shanneek Slagle--

    Aug 19, 2014
    i have a first premier credit i love it
    Jul 29, 2014
    By:

    --Comment from Stephanie Collings--

    Jul 29, 2014
    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!
    Jan 17, 2015
    Photo of Racheal L.
    Jan 17, 2015
    Thats why fees are high.. high fee for those with credit problems. T. Offset the risk of loaning money out to those that have poor status.. improved payment history and keeping well below limit may give u those better rates out there..
    May 15, 2014
    By:

    --Comment from Tracy Bright--

    May 15, 2014
    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.
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