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The easiest credit cards to get with bad credit are the OpenSky® Secured Visa® Credit Card and the OpenSky® Plus Secured Visa® Credit Card. Because these are secured cards that don't require a credit check, you can get an OpenSky card as long as you have a U.S. mailing address, proof of your identity, and some income.
Easiest Credit Cards to Get with Bad Credit
| Card Name | Best For | Annual Fee |
| OpenSky® Secured Visa® Credit Card | No Credit Check | $35 |
| OpenSky® Plus Secured Visa® Credit Card | No Annual Fee | $0 |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured | $75 intro 1st yr, $99 after |
| Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) | After Bankruptcy | $0 |
| U.S. Bank Cash+® Visa® Secured Card | Custom Rewards | $0 |
| Capital One Platinum Secured Credit Card (see Rates & Fees) | No Credit | $0 |
If you’re looking for an unsecured credit card for bad credit, one of the easiest to get is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card gives you 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The card has an annual fee of $75 intro 1st yr, $99 after.
You should be wary of credit card companies that offer unsecured credit cards to people with bad credit, though. They can give you an unsecured line of credit, but most come with big fees and high interest rates. Unless you need an emergency loan, it’s better to get a secured credit card and build up your score enough to qualify for a good unsecured card.
This answer was first published on 03/26/21 and it was last updated on 03/12/24. 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.
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First premier bank credit card and it helps your credit and open a go 2 bank account will also boost your credit
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
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Easiest Credit Cards to Get
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Easiest to Get
OpenSky® Plus Secured Visa® Credit Card
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Easiest Unsecured Card to Get
Indigo® Mastercard® for Less than Perfect Credit
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No Annual Fee
Petal® 2 Visa® Credit Card
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Rewards
Capital One QuicksilverOne Cash Rewards Credit Card
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Charles M McKenzie Jr, Member
@charlesm70
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First do yourself a favor and stay away from Fingerhut. I purchased a couple overpriced items from them and then when my first bill was due I used my checking account to pay the whole amount. They took my payment and then 2 weeks later they tried billing me again for the whole amount so I disputed the charge and proved to them that I paid it but they continued to demand the money so I closed the account. Now it's on my credit report as a bad debt and nothing that I've done to prove it was paid has taken it off my report. If you really want an easy card that isn't too bad and not a secured card apply with Capital One. As long as you haven't burned them before they will give you a couple hundred dollars credit limit, usually $300.
This answer was first published on 08/06/20. 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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Been there...twice! Since there were 12 years in between cards I must have forgotten what a ripoff it was
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Melissa, Member
@melsue1026
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Either a secured card (preferably discover or capitol one) or there’s Fingerhut. Fingerhut isn’t the greatest, but if ur credit is pretty bad they’ll help you start it.
This answer was first published on 07/01/20. 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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What is the easiest credit card to get with bad credit?
The easiest credit cards to get with bad credit are the OpenSky® Secured Visa® Credit Card and the OpenSky® Plus Secured Visa® Credit Card. Because these are secured cards that don't require a credit check, you can get an OpenSky card as long as you have a U.S. mailing address, proof of your identity, and some income.
Easiest Credit Cards to Get with Bad Credit
| Card Name | Best For | Annual Fee |
| OpenSky® Secured Visa® Credit Card | No Credit Check | $35 |
| OpenSky® Plus Secured Visa® Credit Card | No Annual Fee | $0 |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured | $75 intro 1st yr, $99 after |
| Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) | After Bankruptcy | $0 |
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Ashley M Keys K, Admin. Assistant, DollyWood
@cccczennn1134
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The most straightforward credit card to obtain for those with poor credit is often a secured credit card. With a secured credit card, the issuer maintains the cash deposit as collateral and insurance against non-payment. These cards are more widely offered to people with bad credit because the deposit lowers the issuer's risk. Additionally, obtaining a credit card with a low credit limit and high interest rate may be simpler than obtaining a credit card with a high limit and low interest rate.
This answer was first published on 01/21/23. 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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* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Bank of America® Unlimited Cash Rewards Secured Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, U.S. Bank Cash+® Visa® Secured Card, Harley-Davidson® Secured Credit Card, Walmart® Store Card, and Petal® 2 Visa® Credit Card
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