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Unsecured Cards

Advertiser Disclosure

The following are the top unsecured cards for consumers with a bad credit history. Unsecured credit cards, which are generally fee-based, do not require that the cardholder submit a security deposit in order to carry a credit line like prepaid and secured cards require. In addition to offering quick and easy applications, these cards also report monthly to the major Consumer Reporting Agencies, ensuring that your account history gets reported to your credit profile.
 

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Advertiser Disclosure
  • Checking Account Required
  • We may approve those currently building their credit history
  • All credit types welcome to apply!
  • Looking for a second chance at a credit card? We may approve you when others will not.
  • The First PREMIER Bank Mastercard is a good addition to your credit options.
  • The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis.
  • Good credit not required
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
Category Rank
#1
Cards Offered
Mastercard®
Credit Needed
Bad/Fair Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#1 Mastercard® Bad/Fair Credit Yes
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
Category Rank
#2
Cards Offered
Visa®
Credit Needed
Fair Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 Visa® Fair Credit Yes
  • Checking Account Required
  • Unlike some other issuers, we may approve those currently building their credit history.
  • Offers those with below average credit a second chance for a credit card
  • Previous bankruptcy OK 
  • We may approve those with Bad Credit​
  • Good credit not required
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
Category Rank
#3
Cards Offered
Mastercard®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 Mastercard® Bad Credit Yes
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Category Rank
#4
Cards Offered
Visa®
Credit Needed
Bad/Fair Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 Visa® Bad/Fair Credit Yes
  • Checking Account Required.
  • Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • We may approve those currently building their credit history.
  • Looking for a second chance at a credit card? We may approve you when others will not.
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
Category Rank
#5
Cards Offered
Mastercard®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 Mastercard® Bad Credit Yes
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Category Rank
#6
Cards Offered
Mastercard®
Credit Needed
Bad/Poor
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#6 Mastercard® Bad/Poor Yes
  • See if you Pre-Qualify in less than 60 seconds–without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card–not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank's card gallery. A fee may apply.
Category Rank
#7
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#7 Visa® Bad Credit Yes
  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
Category Rank
#8
Cards Offered
Visa®
Credit Needed
Fair/Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#8 Visa® Fair/Bad Credit Yes
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
Category Rank
#9
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#9 Visa® Bad Credit Yes