Bad Credit Unsecured Credit Cards - New Horizon (2024)

BAD CREDIT UNSECURED CREDIT CARDS

Bad Credit Unsecured Credit Cards - New Horizon (1)

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
Regular APR Annual Fee Return Payment Fee Late Payment Fee Credit Recommended

29.99%

$99

Up to $41.00

Up to $41.00

Fair/Poor/Bad

Bad Credit Unsecured Credit Cards - New Horizon (2)

Advertiser Disclosure

  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM’s and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won’t Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
INTRO PERIOD LATE PAYMENT FEE RETURN CHECK FEE CARD BRAND CREDIT RECOMMENDED ANNUAL FEE

29.99%

Up to $38

Up to $38

Visa®

Poor / Damaged Credit

See website for Details*

Bad Credit Unsecured Credit Cards - New Horizon (4)

Advertiser Disclosure

Bad Credit Unsecured Credit Cards - New Horizon (5)

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
Regular APR Late Payment Fee Return Payment Fee Annual Fee Credit Recommended

29.99% APR (Variable)

Up to $41.00

Up to $41.00

$75 - $125

Fair/Poor/Bad/Limited

Bad Credit Unsecured Credit Cards - New Horizon (6)

Advertiser Disclosure

Bad Credit Unsecured Credit Cards - New Horizon (7)

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required
Regular APR Late Payment Fee Return Payment Fee Intro Rate Intro Period

29.99% APR (Variable)

Up to $41.00

Up to $41.00

See website for Details*

See website for Details*

Bad Credit Unsecured Credit Cards - New Horizon (8)

Advertiser Disclosure

Bad Credit Unsecured Credit Cards - New Horizon (9)

  • A better way to get a Card Offer!
  • Credit Cards
  • Secured Cards
  • Prepaid Cards
  • Search, Compare, Apply!

Advertiser Disclosure

Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.

OTHER PERSONAL FINANCE OFFERS

  • Auto loans made easy – Approval could be a few simple steps away
  • All Credit Types Welcome – New/Used Car Financing Available.
  • It Takes Less than 3 Minutes! Start Your Auto Loan Request

Bad Credit Unsecured Credit Cards - New Horizon (12)

  • Request a loan up to $35,000
  • Fast and secure form
  • Fast decision – No paperwork
  • No Credit History Required

Bad Credit Unsecured Credit Cards - New Horizon (14)

HOW TO FIX YOUR CREDIT WITH AN UNSECURED CREDIT CARD

  • Apply for unsecured credit card for bad credit today. They are specifically designed for consumers with fair or poor credit standing, who do not wish to make huge cash deposits to their target card issuers.
  • Take a close look at various card programs. Consider very well the rates of interest, fees and charges, credit limits and other features carried in several unsecured credit cards for bad credit. Then, compare them with your needs, spending habits, and budget. By doing so, you’ll most likely end up with the right card account.
  • Safeguard your highly-sensitive personal information, especially when filling out online application forms. Some firms may require you to disclose your Social Security Number, contact information, and employment history to determine which program will perfectly suit your credit profile. However, before sharing these details, be sure to check first the security and privacy settings of the page you’re viewing. Make sure that the URL begins with https://, not http://.
  • See to it that the card issuer submits timely reports of consumer activities to the three major credit bureaus – Equifax, Experian and TransUnion.
  • Stick to responsible credit habits, by submitting on-time and complete payments of your monthly credit card bills. Use only a sensible portion of your credit limit. In so doing, you can gradually push your credit score up and in time you will reap the rewards of regaining your creditworthiness.
Bad Credit Unsecured Credit Cards - New Horizon (2024)

FAQs

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

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.

Can I get an unsecured credit card with a 480 credit score? ›

With an 480 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.

What is the minimum FICO for unsecured credit card? ›

What credit score is needed for an unsecured credit card? You need a credit score of 550 to 750 to be approved for most unsecured credit cards.

What credit card is best for me with bad credit? ›

Summary of the Best Credit Cards for Bad Credit
  • First Progress Platinum Prestige Mastercard® Secured Credit Card.
  • First Progress Platinum Select Mastercard® Secured Credit Card.
  • Bank of America® Customized Cash Rewards Secured Credit Card *
Jun 24, 2024

Is there an unsecured credit card that approves everyone? ›

Two of the easiest unsecured credit cards to get are the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Fortiva® Mastercard® Credit Card because you can get approved even with bad credit. The Credit One Visa offers a $300 starting spending limit, while the Fortiva Cash Card offers $350.

What is the easiest credit card to get instant approval? ›

Best Credit Cards With Instant Approval
  • Chase Freedom Flex®: Best No Annual Fee Card.
  • Chase Sapphire Reserve®: Best for Lounge Access.
  • American Express® Gold Card: Best for Dining.
  • Delta SkyMiles® Reserve American Express Card: Best for Flights.
  • Blue Cash Preferred® Card from American Express: Best for Groceries.

Which bank approves a credit card easily? ›

The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

What is the minimum income for an unsecured credit card? ›

If you're applying for an unsecured credit card from a major issuer, you'll likely have to meet a minimum income requirement — usually $10,000 or $12,000 per year. If your income is too low, or you're carrying too much debt, your application might be rejected.

What is Kovo credit? ›

Kovo is a public benefit corporation that aims to help its users build credit. You pay a monthly $10 for 24 months, all of which Kovo reports to the credit bureaus. In exchange for the $240 you give Kovo, you'll gain access to interactive educational resources and credit monitoring.

What credit score do you need for Capital One unsecured credit card? ›

You need a credit score of 700 or higher (good to excellent credit) to get the best Capital One credit card offers. Other options are also available for people with lower scores, as it is possible to get approved for Capital One credit card with limited credit history or a bad credit score.

What is the riskiest FICO score? ›

Borrower risk profiles
  • Deep subprime (credit scores below 580)
  • Subprime (credit scores of 580-619)
  • Near-prime (credit scores of 620-659)
  • Prime (credit scores of 660-719)
  • Super-prime (credit scores of 720 or above)

How to get an unsecured credit card with no credit? ›

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.

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

Compare the best unsecured credit cards for bad credit
Credit CardsOur Ratings
AvantCard Credit Card Apply Now on Avant's secure site2.3 Easiest unsecured credit card to getApply Now on Avant's secure site
Petal® 2 Cash Back, No Fees Visa® Credit Card* Learn More4.7 Best unsecured credit card for no creditLearn More
3 more rows
Jul 22, 2024

What store credit card can I get with a 550 score? ›

Some of the Best Store Credit Cards for a 550 Credit Score
  • Overall: Fingerhut Credit Account.
  • Online Retailer: Montgomery Ward Credit Account.
  • Low APR: Group One Platinum Card.
  • Amazon Purchases: Amazon Secured Credit Card.
Mar 20, 2024

What credit card approves a 500 score? ›

The best credit card for a 500 credit score is the U.S. Bank Cash+® Visa® Secured Card because it has a $0 annual fee and rewards you with 1 - 5% cash back on purchases.

What credit score do you need for an unsecured line of credit? ›

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.

What credit card can I get with a 500 credit score? ›

Comparing the best cards for a 500 credit score
Card nameAnnual feeSecurity deposit
Discover it® Secured Credit Card$0$200
Petal® 2 “Cash Back, No Fees” Visa® Credit Card$0None
Mission Lane Visa® Credit Card$0 to $59None
Indigo® Mastercard®$0 to $99None
2 more rows
Jan 25, 2024

What credit score do you need for an unsecured loan? ›

Payment history is weighed the most heavily in determining your credit score, along with your total outstanding debt. Generally, the required credit score for a personal loan is at least 580. To qualify for a lender's lowest interest rate, borrowers typically need a score of at least 800 and a high income.

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