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

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6 Best Guaranteed Approval Unsecured Credit Cards for Bad Credit [2024]? ›

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.

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.

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

Using a credit card responsibly can help you reestablish your credit. If you're unwilling or unable to pay the deposit to get a secured card, you have another option: A “second-chance” credit card with no security deposit required.

The easiest credit card to get with bad credit (a credit score of 300-639) is a secured credit card with no credit check such as the OpenSky® Secured Visa® Credit Card or the OpenSky® Plus Secured Visa® Credit Card. This type of card requires a deposit but doesn't check your credit history, making it very easy to get.

The best unsecured credit card to get with a 500 credit score is the Credit One Visa card. This card offers a $300 starting credit limit, the potential for automatic credit line increase, and rewards on select purchases. The annual fee is $75 for the 1st year...

First Latitude Select Mastercard® Secured Credit Card

Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards! Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit.

Credit invisibility can make things like getting approved for a credit card or a loan more difficult or costly. It's possible to get a credit card with no credit. You might consider applying for a secured credit card, student credit card or retail store credit card to help establish and build your credit.

How does a ghost credit card work? ›

A ghost card is a credit card number that's assigned to either a specific vendor or department. Each ghost card is part of the same credit card account so while the charges are segmented by ghost card, there is a single credit balance that the business has to tend to.

Credit card flipping is the process of applying for credit cards to earn sign-up bonuses, then closing the account or moving on to another card, which can be bad for your credit score. However, this isn't often possible, as many card issuers have instituted rules to prevent this from happening.

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

In fact, Petal says you could be approved for the Petal® 2 Visa® Credit Card without any credit scores or credit history whatsoever. And as an extra perk, the Petal® 2 Visa® Credit Card offers its cardholders 1% to 1.5% in cash back rewards. You start out earning 1% cash back on all purchases.

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. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.

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.

A credit score of 500 or less gives you plenty of room for growth when building your credit, and it won't exclude you from qualifying for a good credit card. Plenty of credit cards for a 500 credit score or lower offer credit-building tools to help you achieve a higher score; others even offer rewards.