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

Question

The Fingerhut Credit Account is the easiest unsecured card to get approved for. 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® Visa® Credit Card 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:

Good Overall: Fingerhut Credit Account.

With Rewards: Credit One Bank® Visa® Credit Card.

For Small Businesses: Capital One® Spark® Classic for Business.

For Limited Credit: Petal® 2 Visa® Credit Card.

For 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.

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Answer 1 · 2021-03-26 19:42:52

Maria Adams, Credit Cards Moderator

@m_adams 03/26/21 This answer was first published on 03/26/21. 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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The easiest credit card to get with bad credit is the OpenSky® Secured Visa® Credit Card because there’s no credit check required for approval. As long as you have a U.S. mailing address, proof of your identity and some income, you can get an OpenSky. It has an annual fee of $35 and requires a refundable deposit of at least $200 to “secure” the credit line. The deposit amount becomes your credit limit.

If you’re looking for an unsecured credit card for bad credit, one of the easiest to get is the Fingerhut Credit Account. It’s a store credit card, meaning you can’t use it for anything but Fingerhut purchases. That said, the Fingerhut online store has a wide range of merchandise for sale, and the Fingerhut Credit Account will report to credit bureaus and build your credit in the process. It has a $0 annual fee.

You should be wary of credit card companies that offer unsecured credit cards to people with bad credit though. They can give you an unsecured line of credit, but most come with big fees and high interest rates. Unless you need an emergency loan, it’s better to get a secured credit card and build up your score enough to qualify for a good unsecured card.

Answer 2 · 2020-08-06 12:32:18

Charles M McKenzie Jr, Member

@charlesm70 08/06/20 This answer was first published on 08/06/20. 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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First do yourself a favor and stay away from Fingerhut. I purchased a couple overpriced items from them and then when my first bill was due I used my checking account to pay the whole amount. They took my payment and then 2 weeks later they tried billing me again for the whole amount so I disputed the charge and proved to them that I paid it but they continued to demand the money so I closed the account. Now it's on my credit report as a bad debt and nothing that I've done to prove it was paid has taken it off my report. If you really want an easy card that isn't too bad and not a secured card apply with Capital One. As long as you haven't burned them before they will give you a couple hundred dollars credit limit, usually $300.

Answer 3 · 2020-07-01 16:12:47

Melissa, Member

@melsue1026 07/01/20 This answer was first published on 07/01/20. 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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Either a secured card (preferably discover or capitol one) or there’s Fingerhut. Fingerhut isn’t the greatest, but if ur credit is pretty bad they’ll help you start it.

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

Maria Adams, Credit Cards Moderator

Charles M McKenzie Jr, Member

Melissa, Member

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