A good credit card that you can get with bad credit and no annual fees is the Discover it® Secured Credit Card card, because it has a $0 annual fee and rewards you with 1 - 2% cash back on purchases. This card also doubles the rewards you’ve earned at the end of the first year, and doesn’t require a minimum credit score. The Discover it® Secured Credit Card card’s main approval requirements are being 18+ years old and having enough income to afford monthly bill payments, plus a refundable security deposit of $200 or more.
The easiest unsecured card to get is the Fingerhut Credit Account. 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.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card 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.
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.
The easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Walmart Store Card. None of these cards require more than “fair” credit for approval, and they all have $0 annual fees. Some applicants might even be able to get approved with bad credit.… read full answer
The Fingerhut Credit Account is the easiest store credit card to get because you can get approved with bad credit in some situations. Things you can buy with the Fingerhut Credit Account include clothing, shoes, electronics, garden supplies, tools, and more. And this card will build your credit - it reports to major credit bureaus monthly.
The Montgomery Ward Credit Account is available to people with limited credit or better. This credit card doesn’t report to credit bureaus, so it won’t build your credit. But it does allow you to buy Montgomery Ward merchandise at special discounts. And there’s opportunity for a credit limit increase.
The Walmart Store Card is available for people with fair credit or better, but reports online suggest you can get approved with bad credit. It gives 5% back at Walmart.com and in-app, including grocery pickup and delivery, and 2% back at Walmart stores.
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. And if the card reports to the major credit bureaus every month, you can build up your credit score.
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