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This question is about Best Unsecured Credit Cards for Bad Credit
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Adrian Kaplan, WalletHub Credit Card Consultant
@kaplanlier11
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The best credit card for bad credit with no deposit and instant approval is the Credit One Bank® Platinum Visa® for Rebuilding Credit. The Credit One Visa comes with a credit line of at least $300 and offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. You can apply online, after checking to see if you're pre-qualified.
Keep in mind that while there is a possibility of instant approval with most cards you can apply for online, it’s never guaranteed. Instant approval tends to happen when your credit and income are better than the card’s requirements. Sometimes, issuers may take longer to review a credit card application. There are a few other credit cards for bad credit with no deposit (known as unsecured cards) with instant approval, that are worth considering.
Best Credit Cards for Bad Credit with No Deposit and Instant Approval
- Credit One Bank® Platinum Visa® for Rebuilding Credit
- Destiny Mastercard® Cashback Rewards
- Total Visa® Card
- First Digital Mastercard®
- Montgomery Ward Credit Account
Keep in mind that unsecured credit cards for bad credit tend to be more costly and less rewarding than their secured counterparts. Make sure you keep your account in good standing by paying your balance on time and preferably in full, every month. This will allow you to improve your credit score and gain access to some of the best unsecured credit cards over time.
This answer was last updated on 08/02/24 and it was first published on 07/25/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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This was so helpful , thank you for taking the time !
2024's Unsecured Credit Cards for Bad Credit
2024's Unsecured Credit Cards for Bad Credit
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Michelle Frazier, Member
@momrulez1
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https://wallethub.com/d/credit-one-visa-3220c
This answer was first published on 10/23/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Argan Exsar, Member
@argan_exsar
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Yes, there are. One of them is the Credit One Bank® Platinum Visa® for rebuilding credit, which even gives you 0 - 1% cash back on your purchases.
This answer was last updated on 01/08/24 and it was first published on 08/24/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
People also ask
Can you get a credit card with bad credit and no money down?
Yes, you can get a credit card with bad credit and no money down, though your options may be limited, and the available offers can be expensive. One notable example is the Credit One Bank® Platinum Visa® for Rebuilding Credit, which doesn’t require a security deposit and accepts applicants with bad credit, too. However, the card charges an annual fee of $75 intro 1st yr, $99 after.
Notable Credit Cards for Bad Credit With No Money Down
Cash Back Rewards:Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
Learn MoreLearn Moreon issuer's website- High Approval Odds:
Total Visa® Card
Total Visa® Card
Learn MoreLearn Moreon issuer's website - No Upfront Fees:
Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit
Learn MoreLearn Moreon issuer's website - No Checking Account Needed:
Fingerhut Credit Account
Fingerhut Credit Account
Learn MoreLearn More
- Cash Back Rewards:
Credit One Bank® Platinum Visa® for Rebuilding Credit
- High Approval Odds:
Total Visa® Card
- No Upfront Fees:
Indigo® Mastercard® for Less than Perfect Credit
- No Checking Account Needed:
Fingerhut Credit Account
If you still don’t know which...
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What's the easiest unsecured credit card to get approved for?
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.
Easiest Unsecured Credit Cards to Get Approved For
Credit One Bank® Platinum Visa® for Rebuilding Credit
Fortiva® Mastercard® Credit Card
Credit One Bank® Platinum Visa® for Rebuilding Credit
Fortiva® Mastercard® Credit Card
Petal® 2 Visa® Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Petal® 2 Visa® Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Capital One Spark Classic for Business
Capital One Spark Classic for Business
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the...
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What's the easiest credit card to get with no credit?
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit because it is a secured card and there’s no credit check when you apply. As long as you’re 18+ years old and you can afford both a $300+ deposit and the monthly bill payments, you’ll probably get approved. The OpenSky® Plus Card also has a $0 annual fee.
Easiest Credit Cards to Get with No Credit (September 2024)
- OpenSky® Plus Secured Visa® Credit Card: Best for No Credit Check
- Capital One Platinum Credit Card (see ): Best for No Deposit
- Capital One Quicksilver Secured Cash Rewards Credit Card (see ): Best for Unlimited Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card (see ): Best for Students
The easiest unsecured credit card to get with no credit or...
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* The information about the following cards has been independently collected by WalletHub: Petal® 2 Visa® Credit Card, Capital One Spark Classic for Business, Montgomery Ward Credit Account, First Digital Mastercard®, and Fingerhut Credit Account.
