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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
  • 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
#2
Cards Offered
Mastercard®
Credit Needed
Bad/Poor
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 Mastercard® Bad/Poor 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
#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
  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless
Category Rank
#4
Cards Offered
Credit Needed
Fair
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 Fair 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
#5
Cards Offered
Mastercard
Credit Needed
Fair/Good
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 Mastercard Fair/Good 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 Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Category Rank
#6
Cards Offered
Visa®
Credit Needed
Bad/Fair Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#6 Visa® 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
#7
Cards Offered
Visa
Credit Needed
Poor
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#7 Visa Poor 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
  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK
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