Unsecured Credit Cards for People with Bad Credit

If you have a bad credit history, your options for unsecured (no deposit) credit cards are very limited. But you do have options. Note, however, that people with bad credit generally have to pay annual fees and higher interest, while receiving lower credit lines. Still, if you play (and pay) these cards right, you could qualify for better cards in the future:

Indigo® MasterCard® for Less than Perfect Credit – Pre-qualify for a card today and it will not impact your credit score * All credit histories considered * Mobile account access at any time * Fraud protection for stolen or lost cards *Account history is reported to the three major credit bureaus in the U.S. ***

Fingerhut – Well-known catalog/Internet retailer offers encouragement to those with past credit issues: “Even if you have had credit challenges in the past, give us a try. You just might be surprised!” Selection includes a large variety of clothing, electronics, home furnishings, etc. “Instant Application Results” ***

Credit One Bank® Unsecured Visa® for Rebuilding Credit – See if you Pre-Qualify without harming your credit score * 1% cash back on eligible purchases, terms apply * No deposit requirements and opportunities to build your credit * Enjoy the flexibility to choose your payment due date. Terms apply. * Receive opportunities for credit line increases, a fee may apply. ***

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit – Easy pre-qualification process which does not affect your credit score * Less than perfect credit is okay * 24/7 access to your account information, even on mobile * Protection from fraud, if your card happens to be lost or stolen * Account history is reported to the three major credit bureaus in the U.S. ***


  • Continental Finance Credit Cards – Offers a variety of unsecured cards with similar terms: Reflex MasterCard, Fit MasterCard, Verve MasterCard, Surge MasterCard, Matrix MasterCard.
  • First Premier Bank MasterCard – While this bank is well-known for working with bad credit customers, their fees and interest rates are about the worst we’ve seen in the industry.

*** This site is compensated when you are approved for this card.