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Unsecured Credit Cards for Bad Credit

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
    • Rewards Details
    • Unlimited 1% cash back gas rewards
    • No limit to the gas rewards you can earn
    • Additional Info
    • Get Pre-Qualified without affecting your credit score
    • Automatic reviews for credit line increase opportunities
    • Zero fraud liability protects you from unauthorized charges
    • *Cash Advance Fee: Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
    • See All Reviews & Details About The Credit One Bank® Credit Card with Gas Rewards

    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 Bad
    • Rewards Details
    • Additional Info
    • 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 $95
    • Regular Rate 36% (V)
    • Annual Fee $75, $100 or $125 1st yr, $45 or $49 after*
    • Monthly Fee None 1st yr, $6.25 or $10.40 after*
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • 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.
    • 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.
    • *The Annual Fee and Monthly Servicing Fee is based on your Credit Limit. If your Credit Limit is $300, the annual fee will be $75.00 the first year, $45.00 after, and a monthly fee of $6.25 per month after the first year. If your Credit Limit is $400 the annual fee will be $100.00 the first year, $45.00 after and a monthly fee of $6.25 per month after the first year. If your Credit Limit is $500 the annual fee will be $125.00 the first year $49.00 after, and a monthly fee of $10.40 per month after the first year.
    • ** 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 $0 - $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
    • Rewards Details
    • Additional Info
    • This card requires a one-time up front Processing Fee of $0.00, $55.00, $75.00 or $95 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 $95
    • Regular Rate 36% (V)
    • Annual Fee $75 1st yr, $45 after
    • Monthly Fee None 1st year, $6.25 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • 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.
    • 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
    • Rewards Details
    • Additional Info
    • 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

    Verve Credit Card


    continental finance mastercard
    • One-Time Fees None
    • Regular Rate 29.99% (V)
    • Annual Fee $125 1st yr, $96 after
    • Monthly Fee None 1st yr, $10 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Monthly reporting to the three major credit bureaus
    • Fast and easy application process
    • Free online account access - 24/7
    • 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.
    • A collateral deposit in the form of a security deposit may be required, up to the full amount of the Credit Limit to be paid in full before the Acc ount is opened to offset the risk associated with the Account.
    • See All Reviews & Details About The Verve Credit Card
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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    Community Discussion

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

     
    Apr 21, 2015
    By:
    I need a card to build my credit up without
    Mar 31, 2015
    By:
    I was recently approved for two cards from Capital One designed for those with fair to bad credit. Approval was quick and easy for both cards. I have a $300 limit on one card and a $500 limit on the other. I can increase my line of credit as long as payments are made on time within the first 6 months. One card has a $35.00 annual fee with no interest in the first month. The other card has no annual fee. Both offer cash back on purchases. The APR is pretty high on both, but I feel it is worth to to help start rebuild my credit.
    Mar 24, 2015
    By:
    I have a First Premier Bank Classic Credit Card. It is for bad credit and I got it to rebuild credit. I currently have a $300 credit limit.The annual fee and other related fees are extremely high and a complete annoyance. However, it's the price you pay for rebuilding your credit. The approval process is fairly simply. Most people with terrible credit can get approved right away. The only good feature about this card is having a credit card in general. If I could could change anything, I would lower the fees.
    Mar 19, 2015
    By:
    I have a credit card for bad credit. It is a Captial One Mastercard.

    My experience with this credit card are that the interest rate is very high >18% and has an annual fee of $79. Late fees are extremely expensive, as are all other penalties.

    It's best features are simply that I have a credit card at all, and that I am working on improving my credit. If I could change anything about this credit card I would eliminate the annual fee and decrease the interest rate gradually, as I (the cardholder), paid off the balance.
    Mar 10, 2015
    By:
    While I am now in a position to have secured credit cards, this was not always the case in the past. Years ago, I had gotten myself into some debt issues, and I had hurt my credit score. I essentially had to start fresh and need to get back on my feet again with an prepaid credit card. Like other commenters have mentioned, my unsecured card was more of a prepaid one in that I had to make a deposit which was the amount of money that I had to spend on the card. For example, if you put down $500, you typically have $500 to spend (unless there is an additional security fee which you get back down the road provided you use the card responsibly). In my case, I was sure that I did not overspend on the card so that I could build my credit again and not be stuck with unsecured cards.
    Feb 20, 2015
    By:
    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:
    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:
    i have a first premier credit i love it
    Jul 29, 2014
    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!
    Jan 17, 2015
    Photo of Racheal L.
    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:
    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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