There are no Chase credit cards for bad credit. In fact, there aren’t any Chase credit cards for bad credit, limited credit, or even fair credit. You’ll need good credit or above to get a Chase card, which means a credit score of at least 700. But there’s no shortage of credit cards for bad credit from issuers not named Chase. Some of the best include the Capital One Secured Mastercard, the OpenSky Secured Visa and Discover it Secured. And if you don’t want to place a deposit, the Credit One Platinum Visa is the way to go.
Here are the best non-Chase credit cards for bad credit:
OpenSky Secured Visa: You probably won’t find an easier card than this. It doesn’t check your credit when you apply. There’s a $35 annual fee and a $200 minimum deposit.
Capital One Secured Mastercard: If you want the easy approval of a secured card with a chance of a low deposit, this card is for you. It requires $49, $99 or $200, depending on your credit. You get a $200 limit no matter what. And there’s no annual fee.
Discover it Secured: You don’t have to miss out on rewards if your credit is bad. This card gives you 2% cash back on your first $1,000 spent per quarter at restaurants and gas stations and 1% everywhere else. It also matches your cash back after the first year. There’s no annual fee and a $200 minimum deposit.
Credit One Bank Platinum Visa: You don’t need a deposit for this card. There’s an annual fee of $0-99 depending on your credit. You get 1% cash back on all purchases.
It’ll take a while to get from bad credit to good credit, where you can apply for Chase credit cards. But it’s definitely doable with a little perseverance. You just have to make your payments on time, keep your utilization low and not build up too much debt, and you’ll be on your way to better scores.
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.
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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