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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
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Category Rank
#1
Cards Offered
Mastercard®
Credit Needed
Bad/Poor
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#1 Mastercard® Bad/Poor Yes
  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK
Category Rank
#2
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 Visa® Bad Credit Yes
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Category Rank
#3
Cards Offered
Mastercard
Credit Needed
Fair/Good
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 Mastercard Fair/Good Yes
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online 
  • Build up your Credit with a card that reports to all three major credit bureaus every month. 
  • Perfect credit not required for approval; we may approve you when others won’t 
  • You may be eligible for a Credit Line Increase after six months 
  • Easy and secure online application – it just takes moments to apply 
  • Checking account required. 
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies) 
  • Get a result in as little as 60 seconds upon completion of the online application 
  • Online Customer Center available 24 x 7 
  • Issued by Synovus Bank, Member: FDIC
Category Rank
#4
Cards Offered
Credit Needed
Fair/Limited
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 Fair/Limited 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
  • $300 credit limit (Subject to available credit)
  • Reports monthly to all three major credit bureaus
Category Rank
#5
Cards Offered
Visa®
Credit Needed
Bad/Fair Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 Visa® Bad/Fair Credit Yes
  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Category Rank
#6
Cards Offered
Mastercard
Credit Needed
Fair/Good
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#6 Mastercard Fair/Good Yes
  • Loans up to $35,000
  • Suitable for those with all credit ranges
  • APR varies from 4.99% up based on customer information
  • Great for consolidating debt
  • No obligation fee
  • Decision within minutes
Category Rank
#7
Loan Amount
$100 - $35,000
Credit Needed
Poor/Fair/Good/Excellent
Category Rank Loan Amount Minimum Credit Required [ Visit website ]
#7 $100 - $35,000 Poor/Fair/Good/Excellent