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 Visa credit card. It offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The annual fee is $75 intro 1st yr, $99 after.
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. And a recent bankruptcy could lead to a high annual fee.
Here are some unsecured credit cards that you can get after a bankruptcy:
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 is discharged.
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.
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 and their partners.
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.

OpenSky® Secured Visa® Credit Card
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