Are you struggling with a poor credit score? If you’ve a bad credit score, it’s highly likely that you won’t be eligible for acquiring a decent credit card. There are mainly two types of credit cards, namely secured credit cards & unsecured credit cards. People who are are eligible as candidates for a secured credit card require an upfront deposit. And at times, if you’re struggling with a bad credit score, there’s a high chance that you don’t have such an amount.
Times as such, you require an easy-to-get credit card which can assist you in rebuilding your credit score. Such credit cards (also known as unsecure credit cards) are accessible & acceptable for mandatory use without an upfront deposit. When choosing an unsecured credit card for bad credit, it is essential that you pay close attention to the fees. Most unsecured credit cards have an annual charge which individuals have to pay as a monthly subscription.
At Mountains Debt Relief, we have analyzed a few decent unsecured credit cards available to those with bad credits so you can select the best option at the best price.
Searching for the best credit cards for bad credit? Here’s a list of some of the best unsecured credit card options available.
Credit One Bank Platinum Visa
So you have poor credit and you want to earn rewards to balance out your credit score? Then Credit One Bank Platinum Visa is the best choice for you. The standout benefit for this credit card is how it helps you earn 1% cash back on eligible gas, grocery purchase, monthly mobile phone, internet cable and satellite TV services. To issue this credit card, you will have to pay an annual charge of $75 during the first year, and up to $99 annually which is billed at $8.25/month. This credit card type is only available for those who have a fairly bad or poor credit score. You are also charged with $1 or 3% on every foreign transaction you make. Like many other unsecured credit cards, you don’t have to pay any annual fee or a welcome bonus. The best part? You can earn cashbacks on many of your common expenses.
Petal 2 “Cash Back/No Fees” Visa Credit Card
The second one on our list is the Petal 2 “Cash Back/No Fees” credit card. You can avail this credit card at an annual charge of as low as $0. It has a regular APR 27.99%-31.49% which can vary. Also, if you make 12 on-time monthly payments, you earn a cashback of 1.5% on eligible purchases & up to 2% to 10% cashback on selected merchants. You can avail this credit card if you have a Fair, Good or No Credit score. To be eligible to issue this card, you don’t need a strong credit history. There is no welcome bonus & no special financing offers for any unsecured credit cards. It’s because the purpose of getting these credit cards is to ensure you safely correct your credit score. Even if you have no credit history, you can still be eligible for issuing this card, all contingent to your banking & financial activity.
The Prosper Card
If you’re someone who might struggle to pay a high annual fee, and you’re looking for an unsecured credit card, then Prosper Card is the most suitable option for you. With a reasonable annual surcharge which is easily waived off during the first year, this card is the ideal choice if you are carrying a bad credit score. The annual surcharge which you pay for this unsecured credit card is approved at $39 annually; especially if you sign-up for autopay during your initial statement. The foreign transaction fee for The Prosper Card is 1% on all transactions. This card is most suitable for people who are carrying a limited or poor credit score. You may have to pay an APR of around 23.49% to 34.99% based on your credit trustworthiness. Like other unsecured credit cards, you don’t receive any rewards or intro bonus on sign ups.
Discover It Secured Credit Card
From among the many unsecured credit cards available in the market, Discover It Credit Card is one of those Secured card options available which have no annual fee & no foreign transaction charges. You only require a security deposit that you have to pay up at $200 to open an account for Discover IT. For every transaction made, you earn up to 2% cashback bonus for a complete $1,000 worth of combined purchases. These purchases can be entertained at any gas stations or restaurants for over a quarter. Any other merchandise purchased from a merchant will let the individual earn a 1% cashback. Discover is responsible to match all cashback you earn during your initial year. Discover usually review your credit card score after a period of 7 month and check if they can transition you to any unsecured line of credit & return you, your deposit.
U.S. Bank Cash+Visa Secured Card
With a minimum opening deposit of $300, the U.S. Bank Cash+Visa Secured Card is an ideal choice for most customers who are looking for a credit card that doesn’t negatively impact your credit score. The U.S. Bank Cash + Visa Secured Card is one where you don’t have to pay any annual charges. In fact, you get a 5% cashback on your first purchase of up to $2000 which you can avail in combination or in a single go. The combined purchase can be split into two quarters and two categories. One is where you get a 2% cashback opportunity for per day purchase while other of 1% cashback on your other relevant purchases. There’s plenty more 5% cashback which you can earn on prepaid hotels, rental cars, and airfare which you may book through the card’s Rewards Travel Center. The foreign transaction fee on this card is 3% and anyone with a poor credit score can attain this unsecured credit card for themselves.
Milestone Gold Mastercard
If you’re searching for a straightforward credit card option to rebuild your credit, the Milestone Gold Mastercard is worth considering. This unsecured credit card is specifically for people with poor or limited credit scores. While there’s no upfront deposit required, the annual fee ranges from $35 to $99 based on your creditworthiness. The Milestone Gold Mastercard doesn’t offer rewards or cashback but focuses on helping you improve your credit score through responsible usage. The best part? It reports your payment activity to all three major credit bureaus, ensuring your credit-building efforts don’t go unnoticed. However, be cautious with its APR, which stands at 24.90%. If you’re looking for an easy-to-get card that prioritizes credit improvement, this could be the one for you.
Indigo Platinum Mastercard
Another great option for those with bad credit is the Indigo Platinum Mastercard. This unsecured credit card offers pre-qualification without impacting your credit score, making it a solid choice if you’re exploring your options. The annual fee varies from $0 to $99 depending on your credit profile. While it doesn’t include cashback or reward benefits, the Indigo Platinum Mastercard is ideal for re-establishing credit by reporting to all three major credit bureaus. Its APR is fixed at 24.90%, and the foreign transaction fee is 1%, making it a reasonable choice for occasional international use. With no upfront deposit required, it’s a practical option to start rebuilding your credit history without major financial strain.
Mission Lane Visa Credit Card
If transparency and simplicity are your priorities, the Mission Lane Visa Credit Card is an excellent option for those with bad credit. There’s no hidden agenda here—just clear terms to help you improve your credit score. The annual fee ranges from $0 to $59, depending on your credit profile. While it doesn’t offer cashback or rewards, it makes up for it with features like free credit monitoring and reporting to all three credit bureaus. The APR is 22.99% to 29.99%, depending on your creditworthiness. Mission Lane’s primary focus is on helping you rebuild your credit responsibly. This card is perfect for anyone who values straightforward credit repair without unnecessary perks.
So there you go, these are the best unsecured/secured credit card options for anyone who is looking to get one that doesn’t hurt their financial scores. At Mountains Debt Relief, we understand the challenges of managing debt while trying to rebuild your credit. Our solutions designed to help you earn back your financial stability, reduce your debt, and pave your path to a better future. Don’t let bad credit hold you back—reach out to us now and let our experts guide you toward the relief you deserve.
Contact Mountains Debt Relief today and start your journey to financial freedom!