What credit cards can I get with bad credit that have no annual fees?

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad (300) credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

This isn’t your only option, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,500+ offers. And we selected our favorite easy-to-get offers.… read full answer

Here are some of the easiest unsecured credit cards to get approved for:

• Rewards: Credit One Visa.
• Small businesses: Capital One Spark Classic for Business​.
• No credit: Capital One Platinum Credit Card
• No annual fee: Petal® 2 Visa® Credit Card.
• Easiest store card: Fingerhut Credit Account.
• Students: Journey Student Rewards from Capital One.

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​.

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon.com Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

Here are the easiest store credit cards to get:

This is one of the easiest store credit card to get because you can get approved with bad credit. Things you can buy with the Fingerhut Credit Card include clothing, shoes, electronics, garden supplies, tools, and more. Plus, this card will build your credit - it reports to major credit bureaus monthly.

This card is available to people with bad credit. The Montgomery Ward Credit reports to credit bureaus, so it will help you build your credit. The card also offers the Buy Now, Pay Later feature with low monthly payments starting from $10/month. Plus, there’s an opportunity for credit limit increases.

This credit card is available to people with bad credit. Cardholders with an eligible Prime membership are instantly upgraded to the Amazon Prime Store Card Credit Builder and they can earn 2% cash back on their purchases. The card also reports to the three major credit card bureaus.

Although store credit cards usually can’t be used anywhere except for the store they’re branded with, they are a great way to save on some of your biggest purchases. They’re also much easier to get than most rewards cards. Plus, if the card reports to the major credit bureaus every month, you can build up your credit score.