A few unsecured credit cards you may be able to get after a bankruptcy are the Credit One Bank® Visa® Credit Card, the Total VISA® Credit Card, and the Indigo® Mastercard® for Less than Perfect Credit.
Unsecured credit cards are generally more difficult to get approved for after a bankruptcy, but you could get one of these unsecured options as long as the bankruptcy process is over. It’s important to keep in mind, however, that these credit cards come with annual fees and low credit limits. And a recent bankruptcy could lead to a high annual fee.
A better, and easier, 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 process is over and your debts are discharged. It’s simply easier to qualify for a secured credit card than an unsecured one. Plus, secured cards are cheaper in the long run and more practical than an unsecured credit card for bad credit, and will still rebuild your credit after a bankruptcy. The OpenSky® Secured Visa® Credit Card is one example, and they don’t even check your credit when you apply.
You might also try getting a store credit card, like the Fingerhut Credit Account. It’s an easy-to-get unsecured credit line, but you can only use it in one place.
Ultimately, you might want to check out a few more credit cards that you can use after bankruptcy, that also come with low annual fees.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.