6 Best Guaranteed Approval Unsecured Credit Cards for Bad Credit [2024] (2024)

FAQs

What is the easiest unsecured card to get approved with bad credit? ›

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

No credit card has guaranteed approval, but the Chime Credit Builder Secured Visa^® Credit Card and the OpenSky^® Secured Visa^® Credit Card are two options with very high approval rates and no credit check requirement.

With an 450 credit score, you're unlikely to get approved for a traditional credit card. Credit cards are unsecured forms of debt, so banks tend to be a bit more cautious compared to loans backed by specific assets, like mortgages and auto loans. Having said that, there are a couple of options.

You can still get approved for a credit card without a credit history. In fact, there are credit cards designed for people with no credit, such as secured cards and student cards. You'll want to pay attention to features like fees and interest rates when shopping for your first credit card.

Kovo is not a cash loan: we're a credit builder that builds your score with monthly payments reported to ALL the credit bureaus. We don't provide funds with a Kovo Installment Plan so that we can keep your plan free of fees and interest.

The best unsecured credit card you can get with a 524 credit score, which is bad credit, is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card offers bad on purchases but it has an annual fee of $75 intro 1st yr, $99 after.

Most Widely Accepted Internationally: Mastercard (210+ countries and territories, 110+ million merchants) and Visa (200+ countries and territories, 130+ million merchants). Most Widely Accepted in the U.S.: Visa and Mastercard (10.7+ million U.S. merchant locations).

What is the easiest Bank to get approved for? ›

The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.

Though lenders will each have their own qualification requirements when it comes to credit scores, you could get approved for a line of credit if you have a score of 660. However, your chances of approval (and getting better interest rates) increase if your score is closer to 713 and above.

To qualify for a personal loan, borrowers generally need a minimum credit score of at least 580 — though certain lenders have even lower requirements than that. However, your chances of getting a low interest personal loan rate are much higher if you have a “very good” or “excellent” credit score of 740 and above.

One option for an unsecured credit card for an applicant with no credit history is a student credit card. Student credit cards don't require a deposit like secured cards do, and usually function more like a regular credit card.