FAQs
The best credit card for a 480 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The OpenSky® Plus Secured Visa® Credit Card also reports to the credit bureaus on a monthly basis.
Can I get a credit card with a score of 480? ›
A 480 credit score can be a sign of past credit difficulties or a lack of credit history. Whether you're looking for a personal loan, a mortgage or a credit card, credit scores in this range can make it challenging to get approved for unsecured credit, which doesn't require collateral or a security deposit.
Can you recover from a 480 credit score? ›
There are no quick fixes for a Very Poor credit score, and the negative effects of some issues that cause Very Poor scores, such as bankruptcy or foreclosure, diminish only with the passage of time. You can begin immediately to adopt habits that favor credit score improvements.
Is there a credit card that approves everyone? ›
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Which bank approves a credit card easily? ›
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.
What is the easiest card to get with bad credit? ›
NerdWallet's Best Credit Cards for Bad Credit of May 2024
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + easy account management.
- Mission Lane Visa® Credit Card: Best for No-deposit alternative.
- Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Rewards + upgrading.
What credit card can I get with a 450 credit score? ›
Secured credit card: You can typically get a secured credit card even if you have a credit score of 450. You usually need to provide collateral in the form of a security deposit. If you don't make payments, your security deposit will be forfeited.
Can I get a credit card with 486 credit score? ›
With an 486 credit score, you're unlikely to get approved for a traditional credit card. Credit cards are unsecured forms of debt, so banks tend to be a bit more cautious compared to loans backed by specific assets, like mortgages and auto loans.
What's the lowest credit score to get a credit card? ›
Can I get an unsecured credit card with a 500 credit score? Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card.
Can I buy a house with a 480 credit score? ›
You can get a mortgage with a credit score as low as 620, 580 or even 500, depending on the type of loan. Some mortgage lenders offer bad credit loans with more flexible qualifying requirements but higher costs. Others offer free credit counseling to help you improve your score before applying for a loan.
You can improve your credit score by opening accounts that report to the credit bureaus, maintaining low balances, paying your bills on time and limiting how often you apply for new accounts.
Can I buy a car with a 480 credit score? ›
It's possible to get approved for an auto loan if you have bad credit (sometimes called "deep subprime" credit), meaning a credit score under 580. But in many cases, options can be costly. To improve your odds of getting approved for a relatively affordable loan, follow these steps.
What card is easy to get approved for? ›
Easiest cards to get comparison chart
Card name | Annual fees | Credit score needed |
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Capital One Quicksilver Secured Cash Rewards Credit Card | $0 | Limited, Bad |
Target REDcard™ Credit Card | $0 | Good, Excellent |
Brex Card | Starting at $0 per month per user | No credit check. Brex uses company financial data instead |
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What is the easiest instant credit card to get? ›
5 Best Instant Approval Credit Cards (June 2024)
- OpenSky® Secured Visa® Credit Card.
- Discover it® Secured Credit Card.
- Capital One Quicksilver Secured Cash Rewards Credit Card.
- Capital One Quicksilver Cash Rewards Credit Card.
- Credit One Bank® Platinum Visa® for Rebuilding Credit.
What is the easiest unsecured card to get? ›
Here's a Summary of the Best Unsecured Credit Cards for Bad Credit of May 2024
- Prosper® Card *
- Mission Lane Visa® Credit Card *
- Credit One Bank® Platinum Visa® for Rebuilding Credit *
Can I get a credit card with 420 credit score? ›
With an 420 credit score, you're unlikely to get approved for a traditional credit card.
What is the easiest unsecured credit card to get with a 500 credit score? ›
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.