6 Best Credit Cards for Bad Credit (No Deposit / Unsecured)

Credit Cards For Bad Credit No Deposit
Anne Chumley
By: Anne Chumley
Updated: August 12, 2021
Advertiser Disclosure

Despite how you get there, being stuck trying to rebuild bad credit can be a difficult situation. Unfortunately, even if you have made the decision to turn over a new financial leaf, the credit card companies are generally unwilling to take your word for it.

On the plus side, a number of credit card issuers are happy to offer credit to the credit-challenged. On the negative side, those offers typically come with strings attached that make them less desirable. For instance, secured credit cards are the easiest to obtain with poor credit, but require an upfront cash deposit to open.

At the same time, those looking to avoid an initial deposit will face other complications. Primarily, the choice will likely come down to a store card with limited usability, or a universal unsecured card with high interest rates and fees. For those who can’t afford to — or simply do not wish to — make an initial cash deposit, the limitations and/or increased fees of an unsecured credit card may be worth the trade. In this article, we will explore our top selections for the best credit cards for bad credit — no deposit necessary. We kick of the list with one branded store card, then move on to explore Visa and Mastercard options.

Store Cards (1) | Visa (4) | Mastercard (5)

The Best Store Cards for Bad Credit with No Deposit

Although the ideal way to increase your credit card approval odds is to improve your credit, thus reducing your apparent credit risk, you may find success approaching the problem from the other end. Specifically, you can reduce your potential credit risk by choosing a credit card that is inherently less risky.

For instance, store credit cards, such as Fingerhut’s unsecured credit account, can be much easier to obtain than other types of credit cards. This is due to the fact that you can only use them with the issuing store, which limits your apparent ability to accrue so much debt that you’d be unable to repay it, thus making it less risky for the issuer.

  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
5 Minutes See issuer website Yes 9.0/10

That said, in the case of a Fingerhut credit account, the limitations are likely less noticeable than with other store cards. Originally a mail-order catalog company, the modern digital version of Fingerhut has literally thousands of popular items from which to make purchases, including categories ranging from bath and bedding to tires and tools.

Screenshot of Fingerhut Homepage

Of course, as with most other credit accounts, a Fingerhut account or other store credit card will report your payment behavior to the three major credit bureaus, helping you rebuild your credit with responsible credit behavior. Also like many other credit accounts, your Fingerhut account will charge you interest on balances carried from month to month, so be sure to pay your balance in full to avoid interest fees. (See complete WebBank/Fingerhut Advantage Credit Account Terms and Conditions.)

The Best Visa Cards for Bad Credit with No Deposit

Visa LogoThe original credit card network, Visa today has more than 323 million credit cards in the pockets of cardholders across the globe, meaning that Visa is, by far, the largest credit card network in the world. Accepted by over 8 million merchants around the world, Visa is also the most widely used card, making it perfect for those who shop in a variety of locations, either at home or on the go.

In addition to being widely accepted, Visa credit cards are widely issued, offered by a wide range of banks and credit unions for people of all credit types, including a variety of issuers specializing in subprime consumers. When comparing these cards, look for the lowest interest rates and fees in addition to available credit limits.

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Multiple card designs available
  • Reports monthly to all three major credit bureaus
  • Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the minimum monthly payment
  • Offer not guaranteed; response provided in seconds
  • Click here for rates and fees.
  • Click here for official site, terms, and details.


Overall Rating

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

The Total Visa® Unsecured Credit Card has an easy online application that offers a decision in minutes. Once approved applicants pay the one-time program fee, Total Visa® Unsecured Credit Card cardholders will receive an initial credit limit of up to $300 (regardless of creditworthiness). You’ll also be charged an annual fee each year you own the card.

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 Minutes See Terms Yes 8.0/10

The First Access Visa Card also has program and annual fees. Keep in mind that the annual fee will be charged before you begin using your card, lowering your initial available credit. Both cards will also charge a monthly service fee after the first year.

  • See if you Prequalify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your free online access to your Experian credit score, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 23.99% Variable Yes 9.0/10

The Credit One Bank® Platinum Visa® for Rebuilding Credit issued by Credit One Bank offers cash back rewards on all qualifying purchases in certain key categories made with your card. Your annual fee will vary based on your credit and will be charged before you start using your card, lowering your initial available credit. This card offers a minimum credit line of $300, with exact limits dependent upon your credit.

The Best Mastercard Cards for Bad Credit with No Deposit

Mastercard Logo

The Mastercard credit card network was established more than 50 years ago in a response to the success of Visa. Processing credit card transactions in more than 210 countries and boasting over 191 million cardholders, Mastercard is the second largest credit card network in the world.

Similar to Visa cards, Mastercard credit cards are issued by hundreds of organizations, from large institutions to independent banks and credit unions, providing cards for every consumer type and credit range.

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 24.9% Yes 9.0/10

The Milestone® Mastercard® has a fair interest rate (for someone with poor credit) and reports to all three credit bureaus, making it a solid choice for rebuilding credit. Annual fees range from $35 to $99, depending on creditworthiness, and you get to choose a custom card design for free.

Rebuild Your Credit, No Deposit Required

No matter what circumstances led to your damaged credit, rebuilding it can be a long process, one requiring significant dedication. Luckily, consumers have a few options for getting back on track, even ones that won’t require a form of security or collateral.

One popular way to begin the process of rebuilding credit is to obtain a credit card you can use — responsibly — to establish a positive payment history, while also enjoying the perks and convenience afforded by purchasing with plastic. Make sure you research the associated costs, of course, and know all the potential fees ahead of time.

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