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In this post, we’ll discuss our five favorite unsecured credit cards designed for consumers with limited or poor credit.
Initial Credit Limit of $400
Up to $1,000 Credit Limit Doubles Up to $2,000
Unlock a $1,000 Credit Limit & Increase it to $2,000
Greater Access to Credit than Before – $700 Credit Limit
Build Your Access to Credit – $700 Credit Limit
Card Comparison
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. But it’s not impossible. 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 poor credit. It’s easier than ever to access credit if you have a low score!
To help you out, we’ve put together a list of 5 unsecured credit cards for low credit scores that give you a little spending wiggle room.
Product
Max Initial Credit
Intro APR
Regular APR
Credit Score Range
Monthly Fee
Initial Credit Limit of $400
FIT® Platinum Mastercard® stands out as an option for credit beginners or those with low credit scores as it offers something unique in its class; a chance to double your initial credit limit to $800 in only six months.
Up to $1,000 Credit Limit Doubles Up to $2,000
Reflex® Platinum Mastercard® is a rare unsecured credit card for consumers with low credit scores. It is easy to qualify for, has a high initial credit limit, and is an excellent place to start rebuilding your credit.
Unlock a $1,000 Credit Limit & Increase it to $2,000
Surge® Platinum Mastercard® is a strong option for people starting to build or rebuild their credit. It’s easy to get, provides a high initial credit limit – unique for credit cards for bad credit – and the chance to double it after six months of responsible use.
- APR: 29.99% (Variable)
- Annual Fee: $75-$125, after first year $99-$125 annually
- Monthly Maintenance Fee: $0 the first year, Up to $10 per month after that
- Additional Card Fee: $30 (one-time, if applicable)
- Late or Returned Payment Fee: Up to $41
- Cash Advance: Either $10 or 3%, whichever is greater
- Foreign Transaction Fee: 3%
- Credit score range of 300-669 (Poor-Fair)
- All credit types are welcome to apply
- Initial credit limit of $300-$1,000 (Subject to available credit)
- Reports payments to all three major credit bureaus (TransUnion, Equifax, and Experian)
- Fast and easy application process; results in seconds
- See if you’re prequalified without impacting your credit score
- A+ rating from the Better Business Bureau
- 128-bit encryption technology to protect your personal information
- $1,000 credit limit doubles up to $2,000 (Simply make your first 6 monthly minimum payments on time)
- Free monthly access to your Vantage 3.0 Score from Experian (When you sign-up for e-statements)
- Mastercard® Zero Fraud Liability Protection
- Buying power of Mastercard® – Use Surge® anywhere Mastercard® is accepted
- Online account access 24/7
Checking Account
The Surge® Platinum Mastercard® is available in all states except Illinois due to recent legislation.
New
“Like that I can use anywhere I need to. Like that credit limit was higher than most credit cards. Helping me boost my score.”
Nancy
Milestone® Mastercard® is a reasonable option for consumers looking to build or rebuild their credit and who don’t want to tie up money in a security deposit. The card is easy to qualify for and new customers can enjoy a $700 credit limit.
Destiny Mastercard® is a straightforward card that provides consumers with the opportunity to boost their credit scores, gives them the advantage of a $700 credit limit, and is easy to be approved for.
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 five 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. And who knows, you may 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.
