Credit cards for fair credit with no deposit

Credit Cards for Bad Credit With No Deposit

Credit Cards for Bad Credit With No Deposit – Charge card alternatives are generally minimal for all those together with weak credit scores, and a card is necessary to help the ranking in a quality amount of time. The main element will be to identify a card you’ll be able to repay on a monthly basis that doesn’t call for a high priced down payment to have accepted. Restoring your current credit history could be difficult, thus study almost any offer carefully before accepting.

We recommend that you learn about credit card information at the bottom of this so that everything can run as desired.

Orchard Bank Classic MasterCards

That is a quite easy, zero frills card for all those together with reasonable to help negative credit history that requires zero down payment. This particular card will be beneficial in case you have a mid- to help long-range credit history, but still have a very low ranking. Your APR varies through 7. 9 to help up to 29. 1949 pct; a variety is dependant on credit history, debt-to-income proportion, as well as other components. Your consideration could hyperlink around your current e-mail in addition to number intended for payment pointers in addition to phrases.

Capital One Standard Platinum Credit Card

For those who have a minimal credit score because of a minimal or perhaps non-existent credit history, this kind of card will be a sensible way to assemble the item upwards. It really is available without the need of down payment and contains a minimal $19 annual charge. Your APR arrives common from twenty-four. 9 pct, however increases to help up to 29. 9 pct.

Orchard Bank Classic Visas

This is exactly just like the Mastercard version listed above, however works by using Visa’s method as a substitute. Your APR varies through 7. 9 to help up to 29. 1949 pct; a variety is dependant on credit history, debt-to-income proportion, as well as other components. Your consideration could hyperlink around your current e-mail in addition to number intended for payment pointers in addition to phrases.

Horizon Gold Credit Card

Having a low interest rate and a certain authorization, this kind of card could be a great way to increase your current credit score. The item will begin that has a limit associated with $500, however could merely supply to produce buying on the Horizon internet site.

For those of you who have an account at a bank, certainly very suitable for reading smart tips for using your debit card. Financial problems are very spacious, but above all we can always add a reference if, remember to maintain the confidentiality of your PIN.


Best Unsecured Credit Cards for Bad Credit – 2017

Feb 25, 2016 | Updated May 31, 2017

Although Credit Card Insider receives compensation from some credit card issuers as advertisers, this does not influence our choice of cards or the order that cards appear on the page. We have attempted to determine the best cards in this category, regardless of our advertising relationship with issuers.

If you have bad credit (a FICO Score of around 660 or less) you won’t be able to qualify for the best credit card offers on the market. Instead, you’ll usually need to settle for a card with higher interest rates and lesser rewards until you improve your credit.

You still have quite a few options available to you, however:

We’ll just take a look at those first two types of cards in this post: unsecured cards and store cards.

If you’re a student, you have access to special cards designed for young people who are just starting to build up their credit. Take a look at our picks for the Three Best Credit Cards for College Students.

Secured credit cards require a deposit when you open the account, which sets the credit limit for the card. If you’re interested in secured cards, learn more about them and see our picks for the best ones here: The Best Secured Credit Cards.

Using a lower-end credit card is not a bad thing: as long as you use your card responsibly, your credit will improve and you’ll be able to qualify for cards with much better rewards.

Unsecured Credit Cards (No Deposit Required)

Although secured cards are usually the go-to option for people with poor credit, there are also some decent unsecured options out there. You may be able to qualify for some of these even if you have bad credit, because card issuers take several elements into account when deciding if you’ll be approved for a card or not.

Besides just looking at your credit, card issuers usually also want to know about your income, whether you’re a renter or a homeowner, and your employment status, among other factors.

So, don’t assume that you’ll be denied for a particular card just because of your credit score. Sometimes people are approved for cards that they didn’t expect to be, and sometimes people are denied when they thought their credit was good enough.

So, here are a few unsecured cards that are accessible for people with bad credit.

Capital One® QuicksilverOne® Cash Rewards Credit Card

The Quicksilver One Cash Rewards is the best of these three. You’ll earn 1.5% cash back on every purchase, a great find on a card for average credit. You’ll also pay $39 per year for the privilege.

Capital One® QuicksilverOne® Cash Rewards Credit Card

For People with

  • Annual Fee: $39
  • Interest Rate: 13.99%, 18.99%, or 23.99% Variable
  • 1.5% cash back on every purchase, every day
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen

This next card is designed specifically for people with less-than-good credit. It has a fairly small annual fee and doesn’t offer rewards, but many people with bad credit have been approved and have used it to begin improving their credit score (even people who’ve had a bankruptcy).

For People with

  • Annual Fee: $0 - $99
  • Interest Rate: 23.90%
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!

Credit One Bank® Cash Back Credit Card

The third card pick is also designed for people with poor credit. It offers 1% cash back on gas and groceries, but watch out for the many fees and stipulations that come with this card.

Depending on your credit score and your particular financial situation, you might be able to qualify for one of these cards (or even a better one). Like we mentioned in the Insider Tip above, you can check your pre-qualification status to learn if you might be approved for one of these cards already.

Credit One Bank® Cash Back Credit Card

For People with

  • Annual Fee: $0 - $99
  • Interest Rate: 16.15% - 24.65% Variable
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply

Store cards are generally easier to get than regular credit cards, with lower credit requirements, but they also usually have higher interest rates and some different rules about how you can use them.

If you shop at a particular store very often and they offer a credit card, it could be a good idea to use that card. As long as you completely understand the terms and use it responsibly, you’ll build up your credit and can move on to better cards.

Take a moment to watch our video below on the pros and cons of store credit cards. If you decide that one is right for you, learn more about store credit cards and then check out our picks for the Best Store Cards.

3 Things You Should Know Before You Apply

Store credit cards can be a good way to improve your credit and get some rewards while shopping, as long as you’re sure to follow the terms and pay them off on time. In some cases, store cards have special financing deals that you need to pay very close attention to, or you can end up getting burned. If you’re not careful, not only will you end up paying more for interest, you can also do damage to your credit score.

So always use your cards responsibly, and keep an eye on your credit score too. In time, you’ll be able to qualify for some great credit cards.

Applying For An Unsecured Credit Card for Fair Credit

Want to apply for these cards or learn more? Just click the name below.

Capital One® QuicksilverOne® Cash Rewards Credit Card

For People with

  • Annual Fee: $39
  • Interest Rate: 13.99%, 18.99%, or 23.99% Variable
  • 1.5% cash back on every purchase, every day
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen

For People with

  • Annual Fee: $0 - $99
  • Interest Rate: 23.90%
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!

Credit One Bank® Cash Back Credit Card

For People with

  • Annual Fee: $0 - $99
  • Interest Rate: 16.15% - 24.65% Variable
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply

What credit cards do you use to build up your credit? Do you have a favorite, or are there any that you absolutely hate? Let us know in the comments below!

Capital One® QuicksilverOne® Cash Rewards Credit Card

For People with

For People with

Credit One Bank® Cash Back Credit Card

For People with

Metal Credit Cards You Can Get Right Now
Review of the Blue Business Plus Credit Card from American Express
Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards

The Amex EveryDay and EveryDay Preferred Credit Cards earn lots of rewards at supermarkets, but is one of them best for you? Read this to decide.

  • Credit Cards
    • By Type
      • Student
      • Business
      • Travel
      • Reward
      • Secured
      • Prepaid
    • By Issuer
      • American Express
      • Bank of America
      • Barclaycard
      • Capital One
      • Chase
      • Citi
      • Discover
      • USAA
    • By Credit
      • Excellent Credit
      • Good Credit
      • Fair Credit
      • Bad Credit
      • Limited/No Credit
  • Credit Card Insider
  • 333 West Washington Street, Suite 140
  • Syracuse, NY 13202

ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers whose offers appear on our site. Compensation from our advertising partners does not impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. CreditCardInsider.com has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any "Apply Now" button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer.

EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Any opinions, analyses, reviews, or evaluations provided here are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser.

DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

Responses to comments are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


Credit Cards for Fair+ Credit Ratings

Credit cards for fair credit with no deposit

  • Have a checking account? This is one requirement
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report
  • Apply for your next credit card account with First PREMIER Bank
  • More than 15 years of credit card experience
  • All services are handled in the heart of the United States
  • Application response in 30 seconds

Credit cards for fair credit with no deposit

  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date.
  • Take advantage of free online access to your monthly Experian credit score and credit report summary
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.

Rewards: Cash Back (Special)

Credit cards for fair credit with no deposit

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due

Rewards: Cash Back (Special)

Credit cards for fair credit with no deposit

  • Checking account is necessary
  • Monthly reporting to the major Consumer Reporting Agencies
  • Access your credit account by phone 24/7 all year round
  • Issued by FDIC-insured First PREMIER® Bank
  • Acceptance at millions of locations worldwide, including online purchases (subject to available credit)
  • If you have less-than-perfect credit, we may approve you when others won't
  • Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month
  • First PREMIER Bank supports our economy - all services handled in the U.S.!
  • No security deposit required
  • Application response in as little as 30 seconds

Credit cards for fair credit with no deposit

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!

Credit cards for fair credit with no deposit

  • Have a checking account? This is one requirement
  • Paying your minimum payment on time each month and keeping your balance low relative to your limit will provide your credit report with positive marks on a monthly basis
  • Reports your credit history to the major Consumer Reporting Agencies
  • Featuring new peace-of-mind chip technology
  • Don't be fooled by debit and prepaid offers - this is a real credit card offer
  • Secure online application keeps your information confidential
  • All services are handled in the heart of the United States
  • Application response in as little as 30 seconds

Credit cards for fair credit with no deposit

  • Must have checking account to qualify
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report
  • Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month
  • A Gold credit card offer for those with less than perfect credit
  • Opportunity to view statements and pay your bill with online account management
  • A manageable credit limit can help you stay in control
  • Now featuring chip card technology that's more secure
  • Application response in 30 seconds
  • Go for the Gold! Apply now!

Credit cards for fair credit with no deposit

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Credit cards for fair credit with no deposit

  • Have a checking account? This is one requirement
  • Reports your credit history to the major Consumer Reporting Agencies
  • Acceptance at millions of locations worldwide (subject to available credit)
  • First PREMIER Bank may approve you when other issuers will not
  • The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis.
  • No security deposit required
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Application response in 30 seconds

Credit cards for fair credit with no deposit

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK

Credit cards for fair credit with no deposit

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!

Credit cards for fair credit with no deposit

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!

Credit cards for fair credit with no deposit

  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card—not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low

Rewards: Cash Back (Special)

Copyright 2017 Credit Web. All rights reserved.


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.