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

Credit Cards For Bad Credit No Deposit

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.

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

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.

  • 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 has an easy online application that offers a decision in minutes. Once approved applicants pay the one-time program fee, Total Visa® 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.

  • Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Fast and easy application; response provided in seconds
  • $300 credit limit (subject to available credit)
  • Build your credit score with on-time payments and keeping your balance below the credit limit
  • Opportunity to request credit limit increase after twelve months, fee applies
  • Checking account required
  • Reports monthly to all three major credit bureaus
  • Manageable monthly payments
  • Perfect credit not required
  • Easy-to-use mobile app for management on the go!
  • *See rates, fees, costs & limitations, and rewards for complete offer and Revvi Rewards details^^
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 34.99%* Yes 8.0/10

The Revvi Card offers an initial credit limit of up to $300, subject to available credit, with the opportunity to request a credit limit increase after your first year. The application is fast and easy, and you can even earn cash back rewards on payments made to your Revvi 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.
★★★★

4.3

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.

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 territories 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.

  • 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 is among the easiest credit cards to obtain. It’s reported that applicants with scores as low as 400 may be approved, but it charges a high APR and an annual fee for the privilege.

  • 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 just like its sibling card above — easy to obtain and expensive. But if you have really bad credit and have your heart set on an unsecured credit card — a card from the PREMIER Bankcard® credit card line may be just what you’re looking for.

  • 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® Platinum Mastercard® offers a lower interest rate than the cards above, and you can see whether you prequalify on the issuer’s website before you apply. Simply click the “Apply Now” button to be transferred.

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • 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 Fortiva® Mastercard® Credit Card will let you prequalify for a credit limit of up to $1,000. It also pays up to 3% cash back rewards on select purchases. Watch for a high APR and annual fee, though.

  • 24/7 access to your account information, even on mobile
  • Accepted at nationwide, wherever Mastercard is accepted
  • Access your account online or from your mobile device 24/7
  • Account history is reported to the three major credit bureaus in the U.S
  • Card designs to fit your personality at no extra charge
  • Choice of card image at no extra charge
  • Don't have perfect credit? No problem!
  • Easy pre-qualification process which does not affect your credit score
  • Fraud protection for stolen or lost cards
  • Less than perfect credit is okay
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Mobile account access at any time
  • Multiple card design options to choose from at no extra charge
  • No security deposit required
  • Pick from multiple card designs at no extra charge
  • Prequalify for a card today and it will not impact your credit score
  • Pre-qualifying today will not affect your credit score
  • Protection from fraud if your card is stolen
  • Protection from fraud, if your card happens to be lost or stolen
  • Simple and fast application process
  • Unsecured credit card, no deposit required
  • An unsecured Mastercard for less than perfect credit
  • Get the convenience of an unsecured Mastercard, even with less than perfect credit
  • Get the flexibility of an unsecured Mastercard, even with less than perfect credit
  • No security deposit required, even with less than perfect credit
  • Use nationwide wherever Mastercard is accepted
  • Reports to all three major credit bureaus
  • Worry-free fraud protection if your card is lost or stolen
  • Fraud protection from unauthorized charges
  • Quick and easy pre-qualification process
  • Enjoy easy online account access 24/7
  • Access your account online 24/7 at no additional cost
  • 24/7 mobile account access
  • Chip technology for your convenience and security
  • Choose your card design with chip technology at no additional cost
  • EMV chip included for added peace of mind
  • Chip card technology for additional fraud protection
  • An unsecured card perfect for everyday purchases
  • Get access to the credit you need, no deposit required
  • Cover your everyday needs without a deposit
  • All the benefits of a Mastercard, without a security deposit
  • For anyone with less than perfect credit, including students
  • For students and anyone with less than perfect credit
  • Increase your access to available credit
  • Greater access to credit than before
  • New opportunities to increase your credit availability
  • Bad credit history? Milestone Mastercard could be for you. With reporting to all three credit bureaus, you can get credit for all of your hard work
  • No upfront security deposit required so you can keep more money in your pocket. Plus, gain access to a manageable credit limit with every card
  • $0 liability for unauthorized use
  • Get a Mastercard accepted online, in store and in app
  • Simple application process with a quick decision
★★★★

4.2

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. As a note, annual fees vary, depending on creditworthiness.

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.
★★★★

4.0

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.)

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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