Best Unsecured Credit Cards for Bad Credit

Learn which credit cards are easy to get even with bad credit.

Bad credit happens. Perhaps you were faced with an unexpected expense, a job loss or a divorce. Maybe you were living beyond your means or overextended your credit for a business venture. Even if your credit is poor, you might still be able to get an unsecured credit card, which can help you rebuild your credit and doesn’t require a security deposit.

How Do I Get a Credit Card With Bad Credit?

Most credit cards are unsecured credit cards, but there are secured credit cards, too. The first thing to do to get an unsecured card, which doesn’t require a security deposit, is to determine what your current credit score is. If it’s not as bad as you thought it was, you might have more options. If it is below fair, you can start comparing the best credit cards for bad credit to find one you qualify for and that can meet your needs. The downside of using an unsecured credit card if you have bad credit is your credit limit will likely be low. Look for cards with higher limits to give yourself more flexibility.

Learn: How to Get Your Free Credit Score

What Is a Bad Credit Score?

The minimum credit score to get a credit card varies by card issuer, but a score below 670 is considered fair or poor.  Most card issuers don’t publicize the credit score you need to get a card because there are other factors that determine your creditworthiness, such as your income and employment history.

The best unsecured credit cards for bad credit are:

Related: 7 Best Types of Loans for People With Bad Credit

Indigo Platinum MasterCard

  • Annual fee: $59
  • Monthly fee: None
  • Credit limit: varies
  • APR: 23.9%
  • Additional fees: None

The Indigo Platinum MasterCard is a top choice for people looking to repair their credit. With an interest rate of 23.9% APR and an annual fee of $59, these rates are in line with cards for those with better credit. There are no hidden fees, and the late payment, returned payment and overlimit fees can be avoided by paying strict attention to your due date.

Milestone Gold MasterCard

  • Annual fee: $35-$99
  • Monthly fee: None
  • Credit limit: $300
  • APR: 23.90%
  • Additional fees: Some cards have an account-opening fee

The Milestone Gold Mastercard brand has several cards. When you apply, you will be offered a card based on your application. They all have the same 23.9% APR on purchases, but some have an account opening fee of $5, $25, or $50.

There are cards with $35, $59 or $99 annual fees, and some have a reduced annual fee for the first year. The APR and annual fee are reasonable but be careful to pay on time. If you make a late payment, your interest rate can be raised to 29.99% indefinitely.

Remember: These Are the Banking Fees You Should Never Pay

First Premier Bank

  • Annual fee: $79
  • Monthly fee: $8 per month for the first year, then $12 per month
  • Credit limit: $700
  • APR: 16.9% to 36%
  • Additional fees: $29 one-time program fee

First Premier Bank has a number of cards available, with interest rates that vary from 16.9% to 36% APR. Some cards have no annual fee or monthly fee.

When you apply, the bank will offer you a card based on the information you provided on your application, so your credit score and other information will determine your annual fee, interest rate and credit limit. Some of First Premier’s cards have much higher interest rates than others, but they have higher credit limits as well, and these might be some of the easiest credit cards to get with bad credit.

Credit One Bank Platinum Visa

  • Annual fee: $0 to $75 for the first year, then $0 to $99
  • Monthly fee: None
  • Credit limit: $300
  • APR: 19.74% to 25.74%
  • Additional fees: None

The Credit One Bank Platinum Visa is one of the few credit cards for bad credit that offers cash back. Cardholders get 1 percent cash back on eligible purchases, which can include gas, groceries, mobile phone service, internet and cable or satellite TV service, and dining purchases. Cash back is redeemed as a credit on your statement.

Find Out: The Best Cash-Back Credit Cards

Total Visa

  • Annual fee: $75 the first year, then $48 a year
  • Monthly fee: $6.25 per month beginning in the second year
  • Credit limit: $300
  • APR: 29.99% APR
  • Additional fees: $89 one-time processing fee

The Total Visa has a high-interest rate and a high processing fee, but the annual fee is relatively low. The annual fee is deducted from your available credit as soon as the account is opened, however, so your available credit on your shiny new credit card will be just $225. If you ask, Total Visa will review your credit limit every six months and might increase your limit if your account has not been past due or over the limit during that time.

Find Out: How Your Credit Utilization Rate Is Affecting Your Credit Score

You Can Rebuild Your Credit With an Unsecured Credit Card

If your credit is bad, getting one of these credit cards for bad credit could put you on the path to repairing it. Just be sure to use your card wisely and be sure to make your payment on time every month.

More on Credit Card Advice

GOBankingRates identified the best business credit cards by analyzing purchase APRs, rewards and offers. All fees and rates are subject to change at the credit card issuers’ discretion, and some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.