Unsecured Credit Cards for Bad Credit or Fair Credit

Consumers with a poor credit history need an opportunity to prove they can manage credit. An unsecured credit card to rebuild credit is a good option. With unsecured credit cards no deposit is required. If you’ve had credit problems in the past get back on track. On-time payments will be reported to the credit bureaus and will help to establish a good credit history. Start off slow and use credit cards wisely for items like gas or groceries and pay it off monthly — watch your credit score rise.

Credit One Bank® Credit Card with Gas Rewards


Credit One Bank® Platinum Card


Find out instantly if you’re pre-approved with Fingerhut Credit

Credit One Bank® Platinum Card


Credit One Bank® Credit Card – Online Credit Score Tracking Included


Gettington Credit Account

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  1. G. Morrison says:

    I do not qualify for the unsecured cards. Are there any secured cards you recommend?

    • If your credit is really damaged I suggest the primor® Secured Visa Classic Card because it’s really easy to qualify for and only requires $200 to deposit although you can deposit up to $5,000.

      Another secured card is the UNITY® Visa Secured Credit Card offered by One United Bank. This secured card has a 6-month low introductory APR of 9.95% and can be opened with a security deposit from $250 up to $10,000.

      • Hello Lisa,

        My wife and I have a Arizona Credit Card that is maxed out at $10,000.00 for the last two years, I’ve always made a min payment on the card but it seems like I’m running in circles. I recently pulled out 10k from my 401k and is planning to pay this card off completely. Should we leave a small balance on this card or completely pay it off?


        • If you have other credit cards that are reporting a balance then I would definitely say completely pay it off. But if this is your only credit card I would leave a small balance like $100 reporting. Some credit card companies review your credit report each month and it never hurts to have a small balance reporting to show how well you manage credit. Plus, the best FICO scores you will get is to let the credit card report a 1% balance.

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