Chip Lupo, Credit Card Writer
@CLoop
You need a credit score between 550 and 750 to be approved for most unsecured credit cards. Having a score of at least 550 will likely qualify you for a decent unsecured card, but a higher credit score increases your chances of being approved for one of the best credit cards with no security deposit.
Easiest Unsecured Credit Cards to Get
- Rates & Fees Cash Back: Credit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Credit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
- Cash Back: Credit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn More
- No Minimum Credit Score: Milestone® Mastercard®Learn MoreLearn More
- No Minimum Credit Score: Milestone® Mastercard®Learn MoreLearn Moreon issuer's website
- No Minimum Credit Score: Milestone® Mastercard®Learn MoreLearn More
- High Approval Odds: Total Visa® CardLearn MoreLearn More
- High Approval Odds: Total Visa® CardLearn MoreLearn Moreon issuer's website
- High Approval Odds: Total Visa® CardLearn MoreLearn More
- Rates & Fees No Upfront Fees: Indigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
- Rates & Fees No Upfront Fees: Indigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
- No Upfront Fees: Indigo® Mastercard® for Less than Perfect CreditLearn MoreLearn More
- No Checking Account Needed: Fingerhut Credit AccountLearn MoreLearn More
- No Checking Account Needed: Fingerhut Credit AccountLearn MoreLearn Moreon issuer's website
- No Checking Account Needed: Fingerhut Credit AccountLearn MoreLearn More
- Cash Back:
- No Minimum Credit Score:
- High Approval Odds:
- No Upfront Fees:
- No Checking Account Needed:
What to Do if Your Credit Score is Below 550
If your credit score is below the 550 threshold needed to get a good unsecured card, you’d be much better off applying for a secured card such as the Capital One Quicksilver Secured Cash Rewards Credit Card or the opensky® Secured Visa® Credit Card. They’re easier to get than unsecured cards because you’re putting up your own money, typically a minimum deposit of $200, to secure the account.
For people with bad credit who are set on getting an unsecured card, remember that unsecured credit cards for bad credit do not require a security deposit to open an account. As such, they typically come with low credit limits, high fees and high interest rates.
Popular Unsecured Credit Cards from Our Partners
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Cash Back
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Miles & No Annual Fee
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Fair Credit
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Bad Credit
People also ask
What's the easiest unsecured credit card to get approved for?
The easiest unsecured credit cards to get include the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. The OneMain Financial BrightWay® Card accepts bad credit, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for people with no credit.
Easiest Unsecured Credit Cards to Get
- OneMain Financial BrightWay® Card
- Merrick Bank Credit Card
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Capital One Spark Classic for Business *
Alternatives to Unsecured Credit Cards for Bad Credit
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest...
read full answer by WalletHub, Financial CompanyCan I get an unsecured credit card with a 500 credit score?
You can get some unsecured credit cards with a 500 credit score. The Credit One Visa card is one of the best options for someone with a 500 credit score, as it offers a $300 starting credit limit, the potential for automatic credit line increases, and rewards on select purchases. Its annual fee is $75 for the first year and $99 after.
Unsecured Credit Cards to Get With a 500 Credit Score
| Unsecured Credit... | Best For | Annual Fee |
Are there any credit cards for bad credit with a $3,000 limit?
The best credit card for bad credit with a $3,000 limit is the U.S. Bank Secured Visa® Card. With this card, it is possible to place a $3,000 deposit, which will serve as your credit limit. The minimum deposit is $300. The U.S. Bank Secured Visa® Card also comes with a $0 annual fee.
Things to Know About High Credit Limits for Bad Credit
- The only way to get a $3,000 limit with bad credit is to place a $3,000...
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