Credit cards for fair credit no deposit

Credit Cards for Bad Credit With No Deposit

Credit card options are limited for those with poor credit ratings, and a card is needed to improve the score in a decent length of time. The key is to find a card you can pay off each month that doesn't require an expensive deposit to get approved. Rebuilding your credit can be daunting, so research any offer carefully before accepting.

Orchard Bank Classic MasterCards

This is a very simple, no frills card for those with fair to bad credit that requires no deposit. This card is good for those who have a mid- to long-range credit history, yet still have a low score. The APR ranges from 7.9 to 29.49 percent; a wide range is based on credit history, debt-to-income ratio, and other factors. Your account can link up to your email and phone number for payment reminders and statements.

Capital One Standard Platinum Credit Card

If you have a low credit score because of a limited or non-existent credit history, this card is a great way to build it up. It's available with no deposit and has a low $19 annual fee. The APR comes standard at 24.9 percent, but goes up to 29.9 percent.

This is exactly the same as the MasterCard version listed above, but uses Visa's system instead. The APR ranges from 7.9 to 29.49 percent; a wide range is based on credit history, debt-to-income ratio, and other factors. Your account can link up to your email and phone number for payment reminders and statements.

With a low interest rate and a guaranteed approval, this card can be a good way to improve your credit score. It starts with a limit of $500, but can only be used to make purchases at the Horizon website.


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The Best Credit Cards for People with Fair Credit

Find the best credit card you can qualify for with fair credit.

Credit card resting on smartphone

The Best Credit Cards for People with Fair Credit

Find the best credit card you can qualify for with fair credit.

Credit card resting on smartphone (Getty Images)

Some credit cards for people with fair credit are stepping stones to building credit and getting a different card. They may have high interest rates and fees and few benefits. However, there are also credit cards for people with fair credit that are part of rewards programs, have few fees and offer helpful cardholder benefits.

When you apply for a credit card, the card’s issuer will likely pull your credit report and use a credit score to help determine whether you qualify. Many issuers use a base FICO Score, which ranges from 300 to 850, or a FICO Bankcard Score (an industry-specific credit score for card issuers) that has a 250 to 900 range to screen applicants. With both scores, FICO defines fair credit as a score of 580 to 669.

“Generally speaking, consumers with fair credit have made some credit missteps along the way,” says Heather Battison, vice president at TransUnion, one of the three major consumer credit bureaus. “Simple actions like paying bills in full and on time each month, establishing a positive payment history, and maintaining a low debt-to-credit ratio demonstrate responsible credit management to lenders.”

A credit card can help you build that positive payment history, as many cards report your activity to all three major consumer credit bureaus. If you have fair credit, you won’t be able to get approved for every credit card. However, choosing a card with few fees, a low interest rate or a rewards program could save you money. Here are three top picks to consider:


Easiest Credit Cards to Get: Top Offers for Those With Bad Credit, Fair Credit, No Credit and Students

The easiest credit cards to get are typically not the greatest in terms of benefits and interest rates. We compared over 200 credit card offers to find ones that are both easy to get and still provide their users with decent value. We broke out the top choices into several categories, to help narrow down your search based on types of users.

Easiest Credit Cards to Get for.

If you are also shopping around for instant approval or guaranteed approval credit cards, be sure to check out our section on these offers at the bottom of this article.

Easy-To-Get Credit Card for College Students: Journey® Student Rewards from Capital One®

Why We Like It: Solid 1.25% rewards rate on all purchases and no foreign transaction fees.

What’s Not Great About It: The 24.99% APR (variable) is very high. You don’t want to catch yourself carrying a balance with this card, or else your interest charges will be through the roof.

The Journey® Student Rewards from Capital One® is available to students with limited credit histories. On top of that, it comes equipped with some decent rewards, making it a good starter credit card. Students who pay their bill on time receive 1.25% cash back on all their purchases. You get just 1% back on months when you're late. Most easy-to-get credit cards, especially store cards, do not offer much, if any, rewards to their cardholders.

The ‘journey’ part of this card’s name is quite appropriate, since it doesn’t come with any foreign transaction fees. This makes it great for avid travelers. Most credit cards, especially those designed for students, will charge a 3% fee anytime they are used outside of the United States. The Journey® Student Rewards from Capital One® does away with this charge, so you can use it on your vacation or when studying abroad.

Easy to Qualify for People With Bad Credit: Discover it® Secured Card ­- No Annual Fee

Why We Like It: It has decent rewards, unlike many other cards for people with bad credit.

What’s Not Great About It: Like most easy-to-get credit cards, the Discover it® Secured Card ­- No Annual Fee suffers from high interest rates – 23.99% APR (variable).

The Discover it® Secured Card ­- No Annual Fee gives 1% cash back on every purchase and 2% back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus, Discover will match all the cash back new cardmembers earn at the end of the first year. These rewards are reminiscent of credit cards people with average or good credit get.

Being a secured card, the Discover it® Secured Card ­- No Annual Fee will require you to put down a security deposit when you first sign up. If you ever decide to close your account, you will have the option to have your deposit refunded, provided you don’t have any outstanding obligations. This is pretty much par for the course when it comes to credit cards for people with bad credit. It’s what makes them easy to get, and is something you should expect. Don’t think of this as a con.

Easiest Credit Card for Those With Fair Credit: Barclaycard Rewards MasterCard®

Why We Like It: The 2% rewards rate on gas, utility, and grocery store purchases makes this card fantastic for expenses the average consumer has to deal with.

What’s Not Great About It: It has the highest APR of all the cards on this list (25.24% variable) and no sign-up bonus.

The Barclaycard Rewards MasterCard® has relatively low credit requirements, making it easy to get if you have fair credit – anything from the low 600s up should get you qualified. The card awards 2X points per dollar on gas, utility and eligible grocery store purchases, and 1 point per dollar everywhere else. That translates to a 2% and 1% rewards rate respectively. The average consumer, spending roughly $1,430 per month, can expect to earn as much as $235 per year with this reward structure.

The Barclaycard Rewards MasterCard® also provides free online access to FICO scores, which can be especially useful for those with fair credit. You can track your progress and see your score improve as you continue to pay your bills on time. You can read our review of the Barclaycard Rewards MasterCard® for a more detailed look at its benefits and features.

Easiest Credit Card for Immigrants & International Students: Capital One® Secured Mastercard®

Why We Like It: You don't need a social security number to sign-up for this card.

What’s Not Great About It: There is no rewards program, like on some other credit cards available to non-immigrants.

The Capital One® Secured Mastercard® is great for immigrants who only have an individual taxpayer identification number (ITIN), and no social security number. This is significantly easier for some immigrants to acquire than a social security number. The card has no annual fee and a flexible credit line. If you make the minimum required security deposit of $49 you'll get an initial credit line of $200. The more you deposit the higher your credit line will be. This is better than most secured credit cards that typically provide credit lines at a 1:1 ratio with your security deposit.

As you use the Capital One® Secured Mastercard®, the bank will report your payments and the account to the credit bureaus. Should your residency status ever change, you'll be able to demonstrate a strong credit file, and get a much better offer than if you started from scratch.

Easiest Credit Cards to Get With No Credit: Student & Secured Credit Cards

The best and easiest credit card to get when you have no credit will depend highly on how you spend your money. If you’re in college or grad school, student credit cards will typically provide you with the best offers. For everyone else, secured credit cards are the way to go. There is very little difference, in terms of eligibility, between these credit cards. They are all designed for people with limited or damaged credit files. You can use any of these cards to build up a credit history for yourself, and eventually apply for a much better offer.

The model below shows some of the top student credit cards and best bad credit credit cards currently on the market. All of these are relatively easy to get. You should look through the benefits of each (by clicking ‘More Details’) to learn more about each of the offers.