Easiest Unsecured Credit Card to Get in 2024 (2024)

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WalletHub, Financial Company

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One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit because you can get approved for it even with bad credit. This card offers a $300 starting spending limit, and you can use it wherever Visa is accepted.

Easiest Unsecured Credit Cards to Get Approved For

  • Easiest Unsecured Credit Card to Get in 2024 (2)Credit One Bank® Platinum Visa® for Rebuilding Credit
  • Easiest Unsecured Credit Card to Get in 2024 (3)Fortiva® Mastercard® Credit Card
  • Easiest Unsecured Credit Card to Get in 2024 (4)Petal® 2 Visa® Credit Card
  • Easiest Unsecured Credit Card to Get in 2024 (5)Capital One QuicksilverOne Cash Rewards Credit Card
  • Easiest Unsecured Credit Card to Get in 2024 (6)Capital One SavorOne Student Cash Rewards Credit Card

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

For your convenience, we compared the easiest unsecured credit cards to get approved for in the table below.


Best For Spending Limit Annual Fee APR
Bad Credit $300 $75 intro 1st yr, $99 after 29.74% (V)
No Credit N/A $39 30.74% (V)
No Annual Fee $300 $0 18.24% - 32.24% (V)
Students N/A $0 19.99% - 29.99% (V)
Small Business N/A $0 30.74% (V)

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.


This answer was first published on 10/30/17 and it was last updated on 03/25/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

  • Easiest Unsecured Credit Card to Get in 2024 (8)Petal® 2 Visa® Credit Card
  • Easiest Unsecured Credit Card to Get in 2024 (9)Capital One QuicksilverOne Cash Rewards Credit Card
  • Easiest Unsecured Credit Card to Get in 2024 (10)Capital One SavorOne Student Cash Rewards Credit Card
  • Easiest Unsecured Credit Card to Get in 2024 (11)Capital One Spark Classic for Business

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

For your convenience, we compared the easiest unsecured credit cards to get approved for in the table below.


Best For Spending Limit Annual Fee APR
Bad Credit $300 $75 intro 1st yr, $99 after 29.74% (V)
No Credit N/A $39 30.74% (V)
No Annual Fee $300 $0 18.24% - 32.24% (V)
Students N/A $0 19.99% - 29.99% (V)
Small Business N/A $0 30.74% (V)

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.


Ann McFarlane @annm_63

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Another good card is Kohls department store charge card, It has no fees other than late payment fees and can help you to build credit while allowing you to shop at their store and repay debts in installments.

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Celia George, Member

@celiag_2

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While you still have bad credit (which I did at one time), you are going to have to pay a fee to get an unsecured card. And I paid those fees. I never, even with my 537 credit score - never had a secured card.

I went with the cards for bad credit, with fees and high interest, and very low limits. I charged, and immediately paid them off. It is now two years later, and I have any card that I want - and a 749 credit score. I would never get a secured card - the unsecured are too easy to get. The high fees are your cost of rebuilding your credit... just my two cents worth.

This answer was first published on 05/30/18 and it was last updated on 07/11/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Kay Trine, Member

@kay_trine

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You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.

This answer was first published on 01/30/18 and it was last updated on 11/21/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Chad Martin @chandan_mishra

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@chandan_mishra: You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.

People also ask

Can I get an unsecured credit card with a 500 credit score?

Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card. This card offers a $300 starting credit limit, the potential for automatic credit line increase, and rewards on select purchases. The annual fee is $75 for the 1st year...

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What are the best unsecured credit cards to rebuild credit with?

The best unsecured credit card to rebuild your credit with is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card reports to the three major credit bureaus each month, starts cardholders off with a $300+ credit limit, and has a reasonable annual fee. Plus, it offers 0 - 1% cash back on eligible purchases, accepts people with bad credit, and will make sure you pre-qualify before doing a hard credit check.

Another good option to consider is the Fortiva® Mastercard® Credit Card. It gives 3% cash back on eligible...

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What credit score is needed for an unsecured credit card?

You need a credit score of 550 to 750 to be approved for an unsecured credit card, depending on the card. The higher your credit score is, the more unsecured credit card offers will be available and the better your chances of getting approved will be.

Best Unsecured Credit Cards for a 550 Credit Score

  • Easiest Unsecured Credit Card to Get in 2024 (21)Cash Back:Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
  • Easiest Unsecured Credit Card to Get in 2024 (22)No Monthly Fees:OppFi® CardOppFi® CardLearn MoreLearn More
  • Easiest Unsecured Credit Card to Get in 2024 (23)No Minimum Credit Score:Milestone® Mastercard®Milestone® Mastercard®Learn MoreLearn Moreon issuer's website
  • Easiest Unsecured Credit Card to Get in 2024 (24)High Approval Odds:Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
  • Easiest Unsecured Credit Card to Get in 2024 (25)No Upfront Fees:Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
  • Easiest Unsecured Credit Card to Get in 2024 (26)No Checking Account Needed:Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More

What to Do if Your Credit Score is Below 550

If your credit score is...

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Spencer E Razo, ASE CERTAFIED AUTO TECH.

@autodude56

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Credit one has my wrong account number wrong paydates and they are hard to dispute BOTTOM LINE IS CREDIT ONESUCKS

This answer was first published on 01/16/22 and it was last updated on 01/25/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

@elisusanrussell2010

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Submit a complaint against the bank with the, "Consumer Financial Protection Bureau (CFPB)".

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chucky0940, Member

@chucky0940

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Citibank... Secured Credit Card. No Fee. Got it with 550. Now at 599 after a month!

This answer was first published on 02/22/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Important Disclosures

* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Fingerhut Credit Account, OppFi® Card, Petal® 2 Visa® Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, Montgomery Ward Credit Account, and Cerulean Credit Card

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

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