How to Select Guaranteed Approval Unsecured Credit Cards for Bad Credit
There are unsecured credit card options for consumers with low scores.
Find the right credit card for bad credit
Find the best credit cards for bad credit. Learn how to apply for a credit card and use it to earn rewards and increase your score.
How to get approved for a credit card with bad credit
Check your credit score
Know your credit score to pick the right card. Avoid cards you won't qualify for.
Find cards for bad credit
Seek credit cards for poor credit. These are easier to qualify for, regardless of your score.
Prequalify before you apply
Prequalify to compare cards, see approval odds, and minimize hard inquiries.
Apply for a secured card
Secured cards are easier to get approved for. Use them to rebuild credit and upgrade later.
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How to get a credit card with bad credit
Getting a credit card with bad credit is possible. First, check your credit score to understand where you stand and what cards you may qualify for. Look for secured credit cards, which require a refundable deposit and are easier to get approved for. Some issuers also offer unsecured cards specifically for bad credit.
Once you’ve found potential cards, see if you can prequalify or check for preapproval. Prequalifying does not guarantee you’ll get the card, but it shows you if you’re likely to be approved without impacting your score. Then, choose one card to apply for. Submitting multiple applications at once will hurt your credit score.
Some lenders offer guaranteed approval credit cards with $1,000 limits for bad credit. While no lender approves everyone, these cards are easier to qualify with a low score.
Always provide proof of income to show lenders you can afford the card. It’s possible to apply for credit cards with bad credit and get approved the same day.
Types of credit cards for people with bad credit
The best credit cards for bad credit will help improve your score. Credit building credit cards fall into two main categories: unsecured credit cards for bad credit and secured credit cards. These cards typically have flexible approval criteria. If you’re starting over financially, credit builder cards for bad credit can be a smart first step.
Unsecured credit cards do not require a deposit, though they tend to have higher fees and lower limits. The best unsecured credit cards for bad credit offer manageable terms and report to all three credit bureaus, which is key to rebuilding credit.
Secured credit cards require a cash deposit and are easy to qualify for. Many providers let you graduate to an unsecured card after a few months of consistent on-time payments.
The best way to build credit with a credit card is to make small purchases, pay the full balance on time, and keep your credit utilization low. Over time, this can lead to better credit offers and higher limits.
Frequently Asked Questions
Can you get a credit card with bad credit?
There are many credit cards to apply for with bad credit. Options include secured credit cards, unsecured cards designed for low scores, and store cards.
What happens if you stop paying credit cards?
If you stop paying your credit cards, your issuer will charge you late fees and potentially a penalty APR. After 30 days, they will report the missed payment to the credit bureaus, damaging your credit score. Continued nonpayment can lead to collections, lawsuits, or wage garnishment. Contact your issuer if you’re struggling to make payments.
How many credit cards should I have?
There’s no perfect number, but having two to three credit cards is a good balance for most people. Having multiple credit cards makes it easier to maintain a low credit utilization ratio, which benefits your score. Too many cards can lead to overspending and missed payments. Only open new accounts if you can manage them wisely.
Is it bad to apply for multiple credit cards?
Applying for multiple credit cards in a short time can hurt your credit score due to multiple hard inquiries. Each hard inquiry drops your score by a few points. It also signals risk to lenders. Wait at least six months between applications. Only apply for cards you’re likely to be approved for.
How do credit cards work for beginners?
Credit cards let you borrow money up to a set limit. You pay your bill monthly, ideally in full and on time. Paying the entire balance by the due date means you will not be charged interest. It will also help you achieve a good credit score. Look for credit cards for no credit to get started.
How to improve credit score without credit card?
Credit cards are the easiest way to build credit, but you have other options. Take out a credit builder loan or become an authorized user on someone else’s credit card. Use a service that reports rent and bill payments to boost your score. Consider taking out an affordable personal loan and repaying it on time.