What credit score is needed for an unsecured credit card?

Question

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit because you can get approved for it even with bad credit. This card offers a $300 starting spending limit, and you can use it wherever Visa is accepted.

Easiest Unsecured Credit Cards to Get Approved For

Credit One Bank® Platinum Visa® for Rebuilding Credit: Bad Credit
Capital One Platinum Credit Card: No Credit
Capital One SavorOne Student Cash Rewards Credit Card: Students
Capital One Spark Classic for Business: Small Business

The easiest unsecured credit cards to get...

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Answer 1 · 2023-06-01 11:34:17

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Chip Lupo, Credit Card Writer

@CLoop • 06/01/23 This answer was first published on 04/09/21 and it was last updated on 06/01/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Most unsecured credit cards required a credit score of 550 or higher. The higher your credit score is, the more unsecured credit card offers will be available and the better your chances of getting approved will be.

Best Unsecured Credit Cards for a 550 Credit Score

Cash Back: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
No Monthly Fees: OppFi® CardOppFi® CardLearn MoreLearn More
No Minimum Credit Score: Milestone® Mastercard®Milestone® Mastercard®Learn MoreLearn Moreon issuer's website
Rates & FeesHigh Approval Odds: Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
No Upfront Fees: Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn More
No Checking Account Needed: Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More

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.

Answer 2 · 2018-09-26 19:47:12

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Frankie Solomon, WalletHub Analyst

@frankie.solo • 09/26/18 This answer was first published on 09/21/18 and it was last updated on 09/26/18.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The minimum credit score for unsecured cards for bad credit is around 500. You can get approved with a really low credit score, but you'll also have to live with lower credit limits, high annual fees and high APR rates.

Honestly, I'd say a secured card is probably a smarter alternative.

What credit score is needed for an unsecured credit card?

Chip Lupo, Credit Card Writer

Best Unsecured Credit Cards for a 550 Credit Score

What to Do if Your Credit Score is Below 550

Citi® Double Cash Card – 18 month BT offer

Frankie Solomon, WalletHub Analyst

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