What is the easiest credit card to get with bad credit?

The Fingerhut Credit Account is the easiest unsecured card to get. 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® Platinum Visa® for Rebuilding Credit 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.

Here are the easiest unsecured credit cards to get:

• Overall: Fingerhut Credit Account
• Rewards: Credit One Bank® Platinum Visa® for Rebuilding Credit
• Small Business: Capital One® Spark® Classic for Business
• Limited Credit: Petal® Visa® Credit Card
• Students: Deserve® EDU Mastercard for Students

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​.

The best credit card for a 500 credit score is a secured credit card. Designed specifically for people with bad credit, secured cards provide the best opportunity for someone with a credit score of 500 (or below) to rebuild their credit standing, thanks to high approval odds and monthly reporting to the major credit bureaus.… read full answer

With a secured card, your odds of approval are high because you’ll have to put up a security deposit – typically starting around $200 – to open the account. The deposit serves as collateral, minimizing the lender’s risk. Your credit limit is equal to the amount of your deposit and is fully refundable when you close your account in good standing.

Here are the best credit cards for a 500 credit score:

• Discover it® Secured
• Capital One® Secured Mastercard®
• Wells Fargo Secured Credit Card
• Citi® Secured Mastercard®
• OpenSky® Secured Visa® Credit Card
• Credit One Bank® Platinum Visa® for Rebuilding Credit (unsecured)

When used responsibly, a credit card for a 500 credit score can put you on the path to good credit. The key is to pay your monthly bill on time every month.

For more tips, check out our guide on how to rebuild bad credit. You can also get personalized credit-improvement advice and credit card suggestions with a free WalletHub account.

You probably can’t get a Walmart credit card with bad credit because even the Walmart-only version requires fair credit for approval. That means your chances are best if your credit score is 640+. That’s not to say getting a Walmart credit card with bad credit is impossible. Each applicant’s situation is unique, and Walmart looks at factors such as income too. But it’s very unlikely, and not worth the additional credit score damage applying will do. That said, a Walmart credit card isn’t out of your reach forever. It’s possible to go from bad credit to fair credit in months, or even weeks, if you make the right moves.… read full answer

Here’s how to get a Walmart credit card with bad credit:

1. Get a secured card. Meant for people with bad credit, secured credit cards have the same credit-building potential as unsecured cards. You just have to put down a security deposit that acts as your credit line.
2. Make on-time payments. Paying on time is required if you want your score to rise.
3. Plan your utilization. Try to use less than 30% of your available credit.
4. Reduce your debts. Owing less means you can borrow more.
5. Monitor your credit. Checking your credit score and report frequently will help you figure out how to improve and when you’re ready for a Walmart card.
6. Apply for a Walmart card. Once you get your score to 640+, your chances of success will be much better.

So it’s unlikely you’ll get approved for a Walmart credit card with bad credit, but you can certainly work your way up to fair credit pretty quickly.