What are the best unsecured credit cards for no credit?

Question

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.

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Answer 1 · 2022-03-04 16:04:32

John S Kiernan, Managing Editor

@John • 03/04/22 This answer was first published on 01/21/21 and it was last updated on 03/04/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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One of the best unsecured credit cards for no credit is the Petal® 2 Visa® Credit Card because it has a $0 annual fee and a 0% foreign fee. The Petal 2 Card also rewards cardholders with up to 1.5% cash back.

Or, if you’re in college, you can get a student credit card. Student cards are unsecured credit cards for no credit that are available only to college students. They tend to give better terms than non-student unsecured credit cards for no credit because issuers predict college graduates will have larger incomes.

Best Unsecured Credit Cards for No Credit

Overall: Petal® 2 Visa® Credit Card
No Annual Fee: Capital One Platinum Credit Card
Cash Back: Capital One QuicksilverOne Cash Rewards Credit Card
Easiest Approval: Credit One Bank® Platinum Visa® for Rebuilding Credit
Student: Bank of America® Unlimited Cash Rewards credit card for Students
Business: Capital One Spark Classic for Business

It’s pretty easy to qualify for unsecured credit cards for no credit, provided that you have a steady income. But if you want the absolute highest chances of approval, you may want to consider secured cards. They help you build credit just as well as unsecured cards, but you have to put down a security deposit to open them.

What are the best unsecured credit cards for no credit?

John S Kiernan, Managing Editor

Best Unsecured Credit Cards for No Credit

2022's Best Credit Cards for People with No Credit

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What's the easiest unsecured credit card to get approved for?

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

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