Tom Lipkis, WalletHub Credit Card Consultant
No, there are no Chase credit cards for bad credit. You’ll need good or excellent credit to get most Chase cards. However, there are plenty of options from other issuers to choose from. A good example is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments.
Here are some of the best credit cards for bad credit:
OpenSky doesn’t check your credit when you apply. There’s a $35 annual fee and a $200 minimum deposit.
With the Credit One Visa you can earn 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The card’s annual fee is $75 intro 1st yr, $99 after. The card comes with a minimum credit limit of $300.
With the U.S. Bank Cash+® Visa® Secured Card you can earn 1 - 5% cash back. There’s a $0 annual fee and a $300 minimum deposit.
With the Capital One Quicksilver Secured you can earn 1.5 - 5% cash back. There’s a $0 annual fee and a $200 minimum deposit.
It’ll take a while to get approved for a Chase credit card when you have bad credit. But it’s definitely doable with a little perseverance. You just have to make your payments on time, keep your credit utilization low, and not build up too much debt. Using your card responsibly will help you improve your credit score.
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Not that I know of. For any of the Chase credit cards, you need to have at least a good credit score. If you have bad credit it’s best you direct your attention towards other banks, such as Capital One, Discover, Citi, or others that offer secured cards, or credit cards for people with poor credit. Try building your credit first, and you’ll be able to apply for a Chase card once you get to the 700s.
Robin Dunstop, Member
Sorry, no go with Chase. There are plenty issuers that go for bad credit, but Chase is not one of them, you need at least a good score to get any of their products.
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