We’ve put together a list of our 7 favorite unsecured credit cards for low credit scores that offer a high initial credit limit and a fast and easy application process.

1. Milestone Mastercard:

All the Benefits of a Mastercard – $700 Credit Limit

  • Accepted worldwide
  • Mobile account access anywhere, anytime
  • Worry free Fraud Protection
Apply Now

2. Destiny Mastercard:

Build Your Access to Credit – $700 Credit Limit

  • Don’t have perfect credit? No problem
  • All the benefits of a Mastercard
  • No security deposit required
Apply Now

3. Fortiva Mastercard®:

Up to $1,000 Credit Limit!

  • Up to 3% cash back rewards
  • No security deposit
  • Prequalify instantly
Apply Now

4. Aspire® Mastercard®:

Get the Credit You Need Up to $1,000!

  • Earn cash back rewards on all purchases
  • Instant transaction alerts
  • Free credit score
Apply Now

5. Surge Platinum Mastercard:

Unlock a $1,000 Credit Limit & Increase it to $2,000

  • Initial credit limit of $300-$1,000
  • Reporting to 3 major credit bureaus
  • Monthly credit score
Apply Now

6. FIT Platinum Mastercard:

Initial Credit Limit of $400

  • Accepted nationwide
  • Fast and easy application
  • $400 credit limit doubles to $800
Apply Now

7. Reflex Platinum Mastercard:

Up to $1,000 Credit Limit Doubles Up to $2,000

  • Initial credit limit of $300-$1,000
  • Reports to 3 major credit bureaus
  • FREE credit score
Apply Now

When your credit profile is lacking – as in your credit score is below 670 – finding an unsecured credit card with a high initial credit limit can be tough. A lot of times the only credit cards you’re offered are secured cards that require a security deposit.

Luckily, it’s not impossible to find an unsecured card. A lot of credit issuers understand that mistakes happen and everyone needs a second chance now and again. That’s why multiple card issuers specialize in credit cards for people with bad credit making it easier than ever to access credit even if you have a low score.

What our clients are saying

Are you curious about what people think? Take a look at the reviews to see if one of these could be the right card for you.

Milestone Mastercard

Love It

“This Card can be used everywhere. Payments are easy to make, pay your bill and you get better credit build up. I do indeed recommend this Card for starters and rebuilding your credit.” Credit Karma Review

Destiny Mastercard

Great Credit Builder Card

“This is a great credit builder credit card whether you have no credit history or past credit problems. The Destiny card starts you with a $300 limit after 6 months you can request an increase. There is a small fee for this card.” Credit Karma Review

Fortiva Mastercard

Easy, Fast, Great

“Excellent Card, one of the best I’ve ever had. And the App is also phenomenal… Payments are processed immediately and clear.” David C, Trustpilot Review

Aspire Mastercard

Excellent All Around

“I can’t say enough about their customer service! I had the most positive experience I’ve probably ever had with customer service on the phone. I had fraudulent activity and they took care of it right away but the same exact rep I originally spoke with is the same person that handled my situation all the way until the end! She even called me one day to make sure that a debit was legit. The other thing I love is that you can make your payments with a debit card and the funds are there before the end of the day. I think they’re doing a great job! Definitely recommend.” Credit Karma Review

Surge Platinum Mastercard

Increased my Credit

“Today my credit was approved for an increase n I’m so excited.. U guys r awesome n this here means the world to me n thank u guys once again 🙏” Carmen J Perea SR, Trustpilot Review

FIT Platinum Mastercard

Great for First Time Credit Builders

“For first time credit builders, please get this card. It’s annual rate is reasonable compared to others and they were able to start me off when my score was below 600. Just keep up to date with subscriptions and your spending limit.” Jas T., Supermoney Review

Reflex Platinum Mastercard

Building my Credit Score

“I had no credit history due to being afraid of credit cards. This card helped me get started on the path to getting a better credit score. The customer service was friendly and answered my newbie questions about credit cards which helped me make the leap to getting my first credit card.” Holly W, Supermoney Review

Final Thoughts

No matter if you have a good credit score or fall into the poor category, you should be able to access the credit you need. These seven unsecured credit cards could be your answer. They are designed to help you build your credit with responsible card usage and prove to lenders that you are a trustworthy borrower.

Who knows, you may even be rewarded for your good credit behavior. Most importantly, they offer some of the highest initial credit limits on the market going all the way up to $1,000 without a security deposit! So go ahead and see if one is right for you.