What's the easiest unsecured credit card to get approved for?

The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.

If you’re looking for a card that can be used for anything, the Credit One Bank® Platinum Visa® for Rebuilding Credit is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.

Here are the easiest unsecured credit cards to get:

• Overall: Fingerhut Credit Account
• Rewards: Credit One Bank® Platinum Visa® for Rebuilding Credit
• Small Business: Capital One® Spark® Classic for Business
• Limited Credit: Petal® Visa® Credit Card
• Students: Deserve® EDU Mastercard for Students

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.

The easiest unsecured credit card to get is the Fingerhut Credit Account because it doesn’t require a checking account to get approved, unlike most credit cards. And even customers who don’t get approved for the card right away can enroll in Fingerhut’s FreshStart program. You make a purchase, pay it off over time to demonstrate responsibility, and then graduate to a Fingerhut Credit Account. The downside to the card is that it comes with a high APR of 29.99%, and it’s only usable for Fingerhut purchases.

For people with bad or limited credit, some of the other easiest unsecured credit cards to get include the Indigo Mastercard and the Official NASCAR Credit Card from Credit One. The annual fee for the Official NASCAR Credit Card is $0 - $99, and Indigo Mastercard’s annual fee is $0 - $99. The exact annual fee you’ll get when you’re approved depends on creditworthiness.

Sadly, there aren’t any unsecured credit cards that don’t do a credit check during the application.

A few secured cards, like the OpenSky Secured Visa, don’t do a credit check. So those cards are truly the easiest credit cards to get.

You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.

While you still have bad credit (which I did at one time), you are going to have to pay a fee to get an unsecured card. And I paid those fees. I never, even with my 537 credit score - never had a secured card.

I went with the cards for bad credit, with fees and high interest, and very low limits. I charged, and immediately paid them off. It is now two years later, and I have any card that I want - and a 749 credit score. I would never get a secured card - the unsecured are too easy to get. The high fees are your cost of rebuilding your credit... just my two cents worth.

I know a security deposit sucks, but it's really not worth getting an unsecured card if you've got bad credit. If you're still sure you wanna risk huge fees, I know Capital one and Fingerhut had unsecured credit cards for bad scores.

You can give the First Acces Visa a try as well. Instant response, but they will charge $89 to open your account, if you're approved, of course...