2 Best Unsecured Credit Cards for Bad Credit

Jodie Price

By Jodie Price | Updated November 10, 2025

Finding an unsecured credit card for bad credit can be challenging, but it is not impossible. Several options are designed to help individuals rebuild their credit without needing a deposit. These cards offer accessible credit lines and report to major bureaus, providing a chance to establish responsible credit habits and improve financial standing over time.

  • Prosper® Card

    The Prosper® Card is an unsecured credit card designed for people with limited or poor credit history. It provides access to a revolving line of credit without requiring a security deposit.

    This card focuses on helping users establish a stronger credit profile. It can be a stepping stone for those who want to build a positive payment history.

    Earning Structure:

    • This card does not offer rewards or cashback.

    Welcome Bonus:

    The Prosper® Card does not provide a welcome bonus.

    Card Details:

    • Annual fee: $59 (waived for the first year if you sign up for autopay before the first statement)
    • APR: Variable, around 23.24%–34.74% variable
    • Other benefits: Potential for credit line increases
    • Network: Mastercard
    • Type: Unsecured credit card
    • Foreign transaction fees: 1%
    • Other details: Reports to all three major credit bureaus

    Key Benefits:

    • Helps build credit history
    • Unsecured, no deposit required
    • Reports monthly to major credit bureaus
    • Possible credit line increases over time

    Redemption Options:

    This card does not offer points or cashback, so there are no redemption options.

    Credit Requirements:

    Applicants with a FICO score below 580 can still qualify, making it easier for those beginning their credit journey.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee and a high APR, which can make carrying a balance costly.

    Why it Works for Beginners:

    It gives people with little or poor credit a chance to access an unsecured credit card while building a payment history.

  • Credit One Bank® Platinum Visa® For Rebuilding Credit

    The Credit One Bank® Platinum Visa® is an unsecured credit card made for people with poor or limited credit. It does not require a security deposit, which makes it more accessible than secured cards.

    This card reports to the three major credit bureaus, helping cardholders build or rebuild their credit history. It also provides basic features that allow users to manage their accounts online or through a mobile app.

    Earning Structure:

    • 1% cash back on eligible gas, grocery purchases, and mobile phone, internet, cable and satellite TV services

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $75 for the first year. After that, $99 annually (billed as $8.25 monthly)
    • APR: 29.99% variable
    • Other benefits: Free online access to Experian credit score
    • Network: Visa
    • Type: Unsecured credit card
    • Foreign transaction fees: 3%
    • Additional features: Fraud protection and account alerts

    Key Benefits:

    • No security deposit required
    • Reports to all three credit bureaus
    • Simple cash back rewards on everyday spending
    • Access to online account management
    • Free monthly credit score tracking

    Redemption Options:

    Cash back rewards can be applied as statement credits to reduce the balance owed.

    Credit Requirements:

    Applicants with bad credit (FICO score of 579 and below) may qualify, though approval depends on individual credit history.

    Spending Limitations / Potential Drawbacks:

    The card comes with a higher annual fee and APR compared to secured cards.

    Why it Works for Beginners:

    It provides a way to build credit without needing upfront cash for a deposit.

Frequently Asked Questions

What are the qualifications for obtaining an unsecured credit card with poor credit?

To qualify for an unsecured credit card with poor credit, applicants typically need to show proof of steady income and responsible financial behavior. Lenders also verify identity and assess credit reports to ensure eligibility. While approval is not guaranteed, meeting these basic requirements increases the chances of obtaining a card for rebuilding credit.

How can I get a credit card with a $1,000 limit despite having bad credit?

Getting a $1,000 limit with bad credit usually requires demonstrating consistent, responsible use of credit over time. Start with a lower limit, make on-time payments, and keep balances low to build trust with the issuer. As your credit improves, lenders may automatically raise your limit or approve requests for higher credit lines.

What steps can help you qualify for a $500 credit limit when you have bad credit?

To qualify for a $500 credit limit with bad credit, apply for beginner-friendly unsecured cards or look for pre-qualification offers. Maintaining on-time payments and keeping balances low helps improve approval chances. Over time, responsible use can lead to higher limits and a stronger credit standing.

How do guaranteed approval credit cards work for those with bad credit?

Guaranteed approval is rare for unsecured cards. Issuers like Prosper and Credit One provide pre-qualification, which involves a soft credit check that won’t impact your score. While not a guarantee, it improves your chances of approval.

Is it possible to get an unsecured credit card with bad credit and no deposit?

Yes, it is possible to get an unsecured credit card with bad credit and no deposit. Certain issuers provide cards specifically designed to help rebuild credit without requiring any collateral. These cards report activity to major credit bureaus, allowing users to improve their credit history through consistent and responsible use.