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These unsecured credit cards can help you rebuild credit.
Having a low credit score can make it difficult to rebuild your credit, as many of the more coveted cards will be out of reach. But just because you have a low credit score doesn’t mean you can’t get a credit card that works for you.
Certain unsecured credit cards are targeted at those with credit scores under 650 or with no credit score at all. These cards generally have lower credit lines and fewer benefits than more premium credit cards but are good stepping stones to building your credit.
This guide takes a look at the top unsecured credit cards for bad or no credit and what to do if you’re denied.
Our top picks for unsecured credit cards for bad or no credit
These cards offer some excellent perks considering they’re designed for people with no or poor credit.
The Petal Cash Back Visa® Card is specifically designed for those who have no prior experience with credit cards and no credit history. While Petal will perform a credit check during your initial application, they can also connect to your bank account and other financials to determine your eligibility and credit line if you have no prior credit score. From there, a phone app helps you keep track of your finances, monitor your interest and make your payments on time. And of course, this credit card sports no fees.
The Credit One Bank® Unsecured Platinum Visa® is a basic starter credit card that’s aimed at helping those with bad credit recover. This card earns 1% cash back on all purchases and offers flexible payment due dates, helping you to consistently make payments on time. Note that the card has an annual fee that ranges from $0 to $99.
What if you’re not approved?
If you’re rejected for an unsecured credit card, try calling the credit card company’s reconsideration line. This number is usually printed on the rejection letter the bank sends you 7 to 10 days after it makes its lending decision. Ask the customer service representative why you were denied and if you can work with them to reconsider the bank’s decision.
Consider applying for a secured credit card if you don’t have one already. Secured credit cards require a cash deposit upfront that acts as the credit line for the card. While these tend to have smaller credit limits or unfavorable fees, lenders are more likely to approve someone with bad or no credit for a secured card because they can apply the collateral to the card’s balance if you miss a payment.
Secured credit cards act similarly to an unsecured card on your credit report, as long as the lender reports to all three credit bureaus, so make sure to keep up on your payments. Keep in mind that late payments will still hurt your score even if your cash collateral is used to cover a missed payment. Check out our guide to secured credit cards for more information.
When you apply for a credit card and are rejected, this can show up on your credit report as a hard pull. Wait a few months to apply for another card, then apply for a card that offers guaranteed approval if you meet the requirements or does a soft pull on your credit report. That way you’ll avoid damaging your credit score even further. Build your credit without a credit card
Once your card’s converted, you should receive your deposit from your secured card. If your bank doesn’t offer to convert your secured card, check your credit score. A score over 700 should qualify you for an unsecured credit card. Consider switching to a secured card with a more lenient or transparent process for converting to an unsecured card.
Further improving your credit
If you’re approved for an unsecured or secured credit card, you’re already on track to improving your credit score. Make sure to manage your credit card properly by making regular, on-time payments. Keep your balances low and make sure to pay off any accounts in collections. Check out our guide to improving your credit score for more information.
It’s also a good idea to keep an eye on your credit score. Most credit card issuers give you free access to your FICO score. If you don’t yet have a credit card, free credit monitoring software like Credit Sesame will give you free access to your credit score and history.
Unsecured credit cards for no credit
Updated October 20th, 2019
Even if you have no credit at all, you can still find unsecured credit cards out there that may be a good fit for your financial situation. While these credit cards typically don’t offer high credit lines or many perks, using them responsibly and paying off your balance each month will help you qualify for better credit cards.
If you’re still having a hard time getting approved for one of these unsecured credit cards, you might want to look at our top picks for secured credit cards. Once you’ve had the card for at least a year and have proven you’re capable of making on-time repayments each month, you may be able to upgrade to the unsecured version of the card. If not, try reapplying for one of these other unsecured cards once your credit score has improved.
Frequently asked questions
Here is a list of credit score ranges from excellent to poor:
Yes, many providers of secured credit cards will check your credit, and you could be declined if your score is too low. If you’re denied, try applying for a different secured credit card with a provider that doesn’t look at your credit history.
It could. While most credit card providers do not pay interest on your security deposit, you may be able to find some out there that do, like the primor Secured Visa Classic.
Steven Dashiell is a staff writer at finder.com. He wields nearly a decade of research and reporting experience to help you embrace and maximize your credit card life. Prior to working at Finder, Steve served as reporter and editor for several healthcare newsletters, offering best practices and guides to help caregivers best protect their patients' health. When not writing, he enjoys creating art, exploring nature and chasing his next big interest.
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