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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
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
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
  • 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 2nd chance at a credit card? We may approve you when others will not. 
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 Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 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
#5
Cards Offered
MasterCard®
Credit Needed
Fair/Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 MasterCard® Fair/Bad Credit Yes
  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your 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 earn 1% cash back when you buy gas or groceries. Terms apply.
  • Flexible payment date to assist you in making your payments on time.
Category Rank
#6
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#6 Visa® Bad Credit Yes
  • Shop over 500,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC787
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Category Rank
#7
Cards Offered
N/A
Credit Needed
Bad/No Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#7 N/A Bad/No Credit Yes
  • $500 Credit Limit!
  • Guaranteed Approval.
  • No Credit Check.
  • Always 0.0% APR!
  • Fast Online application.
  • No employment check.
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.