2017 RANKING & REVIEWS
TOP RANKING BEST UNSECURED CREDIT CARDS FOR BAD CREDIT


Discovering the Best Unsecured Credit Cards for Bad Credit

Although having poor credit can affect many big financial decisions in your life such as taking out a mortgage or getting approved for a loan, there are ways to obtain unsecured credit cards for poor credit individuals.

Getting approved for unsecured credit cards can often be a pretty huge hurdle for those with a short credit history or poor credit.

Award Emblem: Top 6 Unsecured Credit Cards for Bad & Poor Credit  With No Deposit

However, there are many issuers out there that are willing to provide unsecured credit cards for people with bad credit.

Consumers who fall into the bad credit category will be pleasantly surprised to find out that there are a variety of credit cards for bad credit (unsecured).


Why Apply for Unsecured Credit Cards for Poor Credit?

You may be asking yourself why you would even want to apply for bad credit unsecured credit cards. Unsecured credit cards are the best out of all of the credit card options.

What makes unsecured credit cards for bad credit with no security deposit the best choice?

Unlike secured credit cards, unsecured credit cards don’t require you to secure your credit line. That means that individuals are being offered unsecured credit cards for bad credit with no security deposit.

Many consumers have wrongfully assumed that unsecured credit cards for poor credit are impossible to get approved for.

However, with the right information you’ll appreciate that there are many top options of unsecured credit cards for bad credit with no deposit required.

See Also: Best First Credit Card for Young Adults, Teenagers, First-Timers & Beginners | Ranking and Comparison



AdvisoryHQ’s List of the Top 6 Best Unsecured Credit Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):


Top 6 Best Unsecured Credit Cards for Bad Credit | Brief Comparison

 

Credit Card Names

Annual Fee

APR % (min) – APR % (max)

To Build/
Rebuild Credit?

Type of Credit Needed?

Credit One Bank® Unsecured Visa® Credit Card

$0 to $99

15.65%­24.25%

Yes

Bad / No Credit

First Access VISA® Credit Card

$48

29.99%

Yes

Bad / No Credit

First PREMIER® Bank Credit Card

$45 to $49

36.00%

 Yes

 Bad / No Credit

Indigo® Platinum MasterCard®

None

23.90%

Yes

Bad / No Credit

Milestone® Gold MasterCard®

$35 to $99

23.90%

Yes

 Bad / No Credit

Total VISA® Unsecured Credit Card

 $49

29.99%

Yes

Bad / No Credit

Table: Top 6 Best Unsecured Credit Cards for Bad Credit | Above list is sorted alphabetically


Frequently Asked Questions

Will I be approved for an unsecured credit card for bad credit?

Unsecured credit cards for people with bad credit are available. However, individuals with bad or no credit may be approved for a lower credit limit with their unsecured credit cards and may have to pay higher fees and APR.

Is applying for unsecured credit cards for bad credit with no deposit even worth it?

Of course it’s a good idea to apply and manage bad credit unsecured credit cards. By utilizing your credit cards for bad credit (unsecured) you’ll be steadily helping build up your credit. A better credit score will help approve you for future mortgages and other unsecured credit cards with lower fees and higher caps.

What features come with the best unsecured credit cards for bad credit?

With an unsecured credit card for bad credit you’ll be offered far stricter terms and conditions. Even the best unsecured credit cards will offer those with poor credit with lower spending limits, high interest rates, and even a more rigorous application process.

However, the features of credit cards for bad credit (unsecured) will begin to improve as your credit gets better.

What will be required of me during the application process of bad credit unsecured credit cards?

For unsecured credit cards for bad credit, you’ll be required to provide basic information such as your name, social security, income information, and credit data, if you have any.



AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ's Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.


Detailed Review—Top Ranking Credit Cards for Bad Credit (Unsecured)

Below, please find the detailed review of each card on our list of best unsecured credit cards for bad credit. We have highlighted some of the factors that allowed these bad credit unsecured credit cards to score so high in our selection ranking.



Credit One Bank® Unsecured Visa® Credit Card Review


The Credit One Bank® Unsecured Visa® credit card has a few notable features that make it one of the best unsecured credit cards for bad credit.

 

This is one of the greatest unsecured credit cards for people with bad credit as it was designed for rebuilding credit.

Photo Courtesy of: Credit One Bank

Key Features That Make the Credit One Bank® Unsecured Visa® a Top Unsecured Credit Card for Bad Credit:

A Brief Overview of the Main Features that Make This One of the Greatest Credit Cards for Bad Credit (Unsecured)

Cash Back Rewards

Managing bad credit unsecured credit cards is often a more enjoyable experience as unlike secured cards, the best unsecured credit cards offer cash back rewards.

With the Credit One Bank® Unsecured Visa® credit card you’ll earn 1% cash back on any purchases you make toward gas and groceries.

Free Credit Score

With the Credit One Bank® Unsecured Visa® as your unsecured credit cards for bad credit choice, you’ll have free access to your credit score. Unsecured credit cards for poor credit are meant to improve or establish credit, making this a fantastic feature.

You’ll be able to track your credit score on a monthly basis and view a summary report of your credit with this unsecured credit card for bad credit.

Flexible Payment Date

The best unsecured credit cards for bad credit will allow you to play around with your payment due dates. The Credit One Bank Unsecured Visa offers a flexible payment date so that you are always able to make on-time payments.

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First Access VISA® Credit Card Review


In terms of reliable unsecured credit cards for bad credit with no deposit necessary, the First Access VISA® credit card is a great choice.

 

A pretty good option as far as unsecured credit cards for poor credit go, the First Access VISA® credit card is straightforward with its terms and features.

Noteworthy Highlights of the First Access VISA® credit card include:

Overview of What Makes this One of the Top Unsecured Credit Cards for People with Bad Credit

Interest

An excellent feature of this unsecured credit card for bad credit is the interest rate charge.

While even some of the top credit cards for bad credit (unsecured) charge interest rates almost immediately, this card won’t as long as you pay your balance in full before or on the due date.

Great Card for Those Denied by Other Unsecured Credit Cards

If you’ve been denied by other major credit cards for bad credit (unsecured), then the First Access VISA® is a great final application stop.

Since this unsecured credit card for bad credit boasts higher APR rates and sign-up fees, most people will not have a problem getting approved.

Related: Top Credit Cards for Low Credit Scores | Reviews | Best, Fastest Ways to Build Credit



First PREMIER® Bank Credit Card Review


As one of the most striking unsecured credit cards for bad credit, the First PREMIER® Bank credit card offers its consumers a lot.

Top Features That Make This One of the Best Unsecured Credit Cards for Poor Credit

Two Choices of Branded Card

What makes the First PREMIER® Bank credit card stand out amongst other bad credit unsecured credit cards is their branded choice.

For your First PREMIER® Bank card, you can choose between Visa- and MasterCard-branded unsecured credit cards for bad credit with no deposit.

Credit Manager

An excellent feature that some of the best unsecured credit cards for bad credit utilize is a credit manager.

Fortunately, as one of the top bad credit unsecured credit cards, First PREMIER® Bank offers its consumers access to their Experian® Credit Report and PLUS Score twice per month. You’ll also be alerted to any changes to your Experian® Credit Report.

Free Text and Email Alerts

Never miss a payment again on your unsecured credit cards for poor credit. With the First PREMIER® Bank credit card, you’ll have the option to choose between free text and email alerts.

An amazing option for bad credit unsecured credit cards, you’ll be alerted to your payment due dates, ability to check your available credit and transactions, as well as making payments right from your phone.



Indigo® Platinum MasterCard® Review


Unlike many of the best unsecured credit cards for bad credit, the Indigo® Platinum MasterCard® has more selection in terms of annual fees paid.

The Indigo® Platinum MasterCard® offers consumers:
  • $0 annual fee
  • Pre-qualification process doesn’t affect current credit score
  • Fraud protection
  • Free online management tools
  • 23.99% APR for purchases

General Outline of the Best Features Offered by One of the Best Unsecured Credit Cards for Bad Credit

Pre-Qualification Process

One of the key assets that separate the Indigo® Platinum MasterCard® from other credit cards for bad credit (unsecured) is their pre-qualification process.

Unsecured credit cards for people with bad credit can often affect your already weakened credit through their application process.

Photo Courtesy of: Indigo

However with this unsecured credit card for bad credit, you can easily answer a few questions that will give you a rough idea as to whether or not you’d be approved for the card.

Annual Fee

While almost all unsecured credit cards for bad credit with no deposit charge an annual fee, the Indigo® Platinum MasterCard® goes about it a bit differently.

For those with somewhat average credit, you’ll be eligible for one of their unsecured credit cards for poor credit for no annual fee. Otherwise you’ll pay around $75 to $99 annually.

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Milestone® Gold MasterCard® Review


The Milestone® Gold MasterCard® is another top choice for those looking for unsecured credit cards for bad credit with no deposit required.

What Makes This Card One of the Most Effective Credit Cards for Bad Credit (Unsecured)

Pre-qualify with No Damage

Just like the Indigo® Platinum MasterCard®, the Milestone® Gold MasterCard® is another amazing bad credit unsecured credit card.

With their pre-qualification process you’ll know instantly if you qualify for their best unsecured credit cards for bad credit. This process will not affect your credit score at all!

Annual Fee

Once again we see credit cards for bad credit (unsecured) offer a variety of annual fee terms. The Milestone® Gold MasterCard® offers up an annual fee ranging from $35 to $99, depending on your existing credit.

Unsecured credit cards for poor credit that range off their annual fee are a great choice as you may be qualified for the lowest fee.


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Total VISA® Unsecured Credit Card Review


For individuals who are looking for unsecured credit cards for poor credit, look no further than the Total VISA® Unsecured credit card.

Insight Into the Features That Make the Total Visa® a Great Unsecured Credit Card for Bad Credit

True VISA®

Despite the fact that many Visas are not offered with the best unsecured credit cards for bad credit, the Total VISA® abides by different rules.

If you choose the Total VISA® as one of your bad credit unsecured credit cards, you’ll be given a true VISA®.

Your true VISA® will be approved at merchants worldwide, making it an amazing choice of unsecured credit cards for poor credit.

Manageable Monthly Payments

A wonderful advantage that credit cards for bad credit (unsecured) have is manageable monthly payments. With the True VISA® you’ll always be on top of your card’s due dates and credit line.

Read More: Top Credit Cards for College Students| Ranking | Best College Student Credit Cards


Conclusion—Top 6 Best Unsecured Credit Cards for Bad Credit

This concludes our detailed overview of the top unsecured credit cards for poor credit. As you can see, there are a great number of unsecured credit cards for people with bad credit.

Finding the best unsecured credit cards for bad credit involves taking a look at possible rewards systems, annual fees, and APR rates that fit into your finances.

With this overview as your guide, you can begin your journey of improving your credit score through the use of unsecured credit cards. You may find that one of the above unsecured credit cards for bad credit with no deposit required is the perfect one for you.

Take advantage of these unsecured credit cards for bad credit with no security deposit necessary, as they are unlike many of the secured credit card options where a deposit is required.



AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.