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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
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date.
  • Take advantage of free online access to your monthly Experian credit score and credit report summary
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Category Rank
#1
Cards Offered
Visa®
Credit Needed
Fair Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#1 Visa® Fair Credit Yes
  • 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
Category Rank
#2
Cards Offered
MasterCard®
Credit Needed
Fair/Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 MasterCard® Fair/Bad Credit Yes
  • Use your line of credit to shop over 450,000 items from great brands 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
#3
Cards Offered
N/A
Credit Needed
Bad/No Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 N/A Bad/No 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. 
Category Rank
#4
Cards Offered
MasterCard®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 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
  • No-Fee credit line increase opportunities!  
Category Rank
#5
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 Visa® Bad 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
Category Rank
#6
Cards Offered
MasterCard®
Credit Needed
Fair/Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#6 MasterCard® Fair/Bad Credit Yes
  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Show off your style with a premium card design, 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
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
Category Rank
#8
Cards Offered
N/A
Credit Needed
Bad/No Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#8 N/A Bad/No Credit Yes
  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.