13 Easy Credit Cards to Get With Bad Credit

13 Easy Credit Cards To Get With Bad Credit

Regardless of how your credit got to be “bad” in the first place, there are still easy credit cards to get with bad credit. And getting and using a new credit card responsibly is one of the first steps toward rebuilding credit.

Credit cards available specifically for those with subpar credit come in two forms: unsecured and secured. The difference between the two is unsecured cards do not require an initial deposit to secure a line of credit, whereas secured cards do. The deposit amount varies by card but typically equals the amount of credit you’ll have available to spend.

In the article below, we’ll take a look at 13 easy credit cards to get with bad credit. This list includes our top selections for both unsecured and secured credit cards.

Unsecured Cards (No Deposit) | Secured Cards (Deposit Required)

Easy Unsecured Cards to Get With Bad Credit

Unsecured credit cards are regular credit cards — no security deposit required — with easy application processes. All of these cards report to the credit bureaus, so if you pay on time each month and keep your balance below 30% of your available credit limit, your credit rating will begin to reflect your good behavior.

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10

The PREMIER Bankcard® Mastercard® Credit Card will report your account to each credit bureau to help you repair your credit over time with responsible use. Your fees will vary based on the credit limit you receive, so be sure to read the terms and conditions before applying. 

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10

The PREMIER Bankcard® Grey Credit Card is a great option from the PREMIER Bankcard® credit card line that will help repair your credit over time if used responsibly. Card fees are based on the credit limit you receive. 

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 24.99% – 29.99% (Variable) Yes 8.5/10

The Surge Mastercard® accepts applications from consumers with bad, or even no, credit. It is offered by the Celtic Bank of Utah, and may provide you with an intial credit limit higher than other subprime cards. This card charges an annual fee.

  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn a 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax†
  • † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
7 minutes 29.99% OR 36% (V) Yes 8.0/10

The Aspire® Cash Back Reward Card accepts applications from consumers with bad, no, and fair credit. It is offered by the Bank of Missouri and may provide you with an intial credit limit higher than that of other subprime cards and lucartive cash back rewards. 

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 24.9% Yes 8.0/10

The Indigo® Mastercard® Credit Card accepts applications from consumers with bad, or even no, credit. It is offered by the Celtic Bank of Utah, and has a low maximum credit limit, and it charges an annual fee.

  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes See Terms Yes 8.5/10

The Total Visa® Card offers a decision “in as little as 60 seconds” and does not require perfect credit for approval. If approved, a program fee is required. 

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 minutes 29.99% Yes 7.5/10

The FIT Mastercard® may double your credit limit after a period of on-time payments, both of which will help improve your credit report and score. 

Easy Secured Cards to Get With Bad Credit

Secured credit cards require a deposit that is usually equal to the amount of credit you’re issued, but your deposit is fully refundable after your balance is paid off or if you close the account. These cards generally offer a more lenient application process and may not require a minimum credit score or credit history.

All of these secured cards report to at least one credit bureau, so your payment history will be documented and allow you to rebuild your credit and eventually upgrade to an unsecured card.

8. Secured Sable ONE Credit Card

This offer is currently not available.

N/A

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
N/A N/A N/A N/A

The Secured Sable ONE Credit Card is a rewards credit card that provides cash back and valuable insurance like cellphone protection and car rental insurance coverage. These perks are usually reserved for cardholders with good credit or better, making this card highly worthy of a place in your wallet.

  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
★★★★

4.4

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10
The PREMIER Bankcard® Secured Credit Card comes from a popular subprime issuer and is exceedingly easy to get. This card charges an annual fee but offers a much lower APR than the unsecured cards from PREMIER Bankcard®.
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 19.99% Variable Yes 8.5/10
The Surge Secured Mastercard® provides modest cash back rewards on every purchase you make and comes with a low variable interest rate. You can use this card to boost your credit rating and eventually graduate to an unsecured card. 
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
★★★★

4.4

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 minutes 9.99% Fixed Yes 7.5/10
The Applied Bank® Secured Visa® Gold Preferred® Credit Card offers the lowest interest rate among the cards on this list, but that’s mainly because it doesn’t offer a grace period. Interest begins accruing the day you make a purchase with this secured Visa credit card.
  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 18.89% (variable) Yes 7.0/10
The OpenSky® Secured Visa® Credit Card is another popular secured option with a low ongoing interest rate. It does charge a small annual fee, but it is lower than that of other secured cards that charge annual fees.
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
★★★★

4.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 minutes 19.70% Variable Yes 7.5/10
If you click the Apply button above for the Merrick Bank Secured Credit Card, you’ll actually be offered two secured card products. One offers a fixed deposit amount that will double over a period of seven months with on-time payments. The second allows you to choose your credit line based on how much you deposit, up to $3,000.

Do You Need Ongoing Credit or Cash?

Unsecured cards for bad credit come with notoriously low credit limits. Sure, you may be approved for up to $1,000, but that’s usually only if your credit score is near-prime, also known as fair credit (a FICO Score of about 600+). 

But if you need $500 or more that you want to repay over time, a bad credit loan may be the better option. You can get approved for an installment loan of up to $5,000 or more and repay it over several months. This will also help you with building credit over the long term when you make your payments on time. 

Our top-rated lending networks for bad credit loan offers are as follows: 

  • Short-term loans up to $5,000
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2 million customers
  • Not available in NY or CT
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $5,000 Varies Varies

See representative example

A credit card is advantageous in that it is a method of payment you can use and repay as needed. If you just need a way to pay for things, choose a credit card. But if you need money to pay for something and may not qualify for a large enough credit line from a card, choose a personal loan. 

Don’t Apply For Cards You’re Not Qualified For

Your credit score is one of the main factors that determine approval for credit cards. That means if you have poor credit, you’ll be denied the best credit card offers for people who have good credit. Only apply for the cards that are within your reach, and as time goes on and your credit improves, you can then go after cards with lower interest rates and the most benefits. 

In the meantime, the cards reviewed above can be your gateway to improved credit and all the benefits that come along with it.

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