There is no Chase unsecured credit card for bad credit available at this time. In fact, Chase does not offer any starter credit cards, unsecured or secured, for people with less than good credit.
The majority of Chase credit cards are designed specifically for customers with good to excellent credit. Chase offers some of the most sought-after credit cards on the market. Those include the Freedom, Freedom Unlimited; and the Sapphire Preferred and Reserve cards. All require an excellent credit score to qualify.
The Ink Business Preferred and Cash business cards are among the best in its class, and the co-branded IHG Rewards Club Premier is a highly-regarded hotel rewards card.
Simply put, if you’re in the market for an unsecured credit card for bad credit, Chase would be one of the least likely places to begin your search. There are plenty of options out there from other issuers, though. First Access VISA, Indigo Mastercard are among the cards targeted for people with bad credit.
But an unsecured credit card for bad credit can be costly. Annual fees are inevitable, and some cards, such as the First Access VISA charge a $6.25 monthly fee after the first year.
Unless you have your heart set on an unsecured card, you’d likely be better off with a secured card. The Capital One Platinum and Discover it Secured cards require a deposit to establish your line of credit, and may provide an opportunity to transition to an unsecured credit card if you consistently make your payments on time. Plus, you’ll receive your deposit back in full when you close your account in good standing.
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