Maria Adams, Credit Cards Moderator
@m_adams
You can get a few unsecured credit cards after a bankruptcy, the best of which is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The card’s annual fee is $75 intro 1st yr, $99 after.
Note that unsecured credit cards are generally more difficult to get approved for after a bankruptcy. But you could get one as soon as the bankruptcy is discharged. It’s important to keep in mind, however, that the unsecured credit cards that you can get after a bankruptcy come with annual fees and low credit limits. Also, a recent bankruptcy could lead to high interest rates and additional fees.
Notable Unsecured Cards to Get After a Bankruptcy
A better option would be to get a secured credit card and fund a more generous security deposit. Just like unsecured credit cards, you can get a secured credit card as soon as the bankruptcy is discharged.
Secured cards are cheaper in the long run and more practical than an unsecured credit card for bad credit. Plus, they will still rebuild your credit after a bankruptcy. The OpenSky® Secured Visa® Credit Card is a good option as it doesn’t require a credit check when you apply.
Other Alternatives to Unsecured Bankruptcy Credit Cards
You might also try getting a store credit card, like the Fingerhut Credit Account. It’s an easy-to-get unsecured credit line, but it is only accepted at Fingerhut.
Ultimately, feel free to take a look at our editors’ picks for the best bankruptcy credit cards available right now on the market.

OpenSky® Secured Visa® Credit Card
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