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.
The best unsecured credit card to get with a 500 credit score is the Credit One Visa card. This card offers a $300 starting credit limit, the potential for automatic credit line increase, and rewards on select purchases.
The Mission Lane Visa® Credit Card is available to people with bad credit without having to provide a security deposit. Plus, Mission Lane has a pre-application process which can give you a good idea as to whether you will be approved without having a hard inquiry on your credit report if you end up not applying.
Yes, it's possible to get a Credit Card with a 500 Credit Score, but your options will be limited. Secured Credit Cards and certain store Credit Cards are often more accessible for individuals with lower Credit Scores. These cards typically require a security deposit, which is your credit limit.
The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.
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.
- Prosper® Card *: Best for Easy Credit Increases.
- Mission Lane Visa® Credit Card *: Best for no-frills credit building.
- Credit One Bank® Platinum Visa® for Rebuilding Credit *: Best Card for Additional Rewards.
The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit. But unlike many other secured credit cards, it has a generous rewards structure.
Using a credit card responsibly can help you reestablish your credit. If you're unwilling or unable to pay the deposit to get a secured card, you have another option: A “second-chance” credit card with no security deposit required.
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
What store credit card can I get with a 550 score?
- Amazon Prime Secured Card * Best for Rewards on Amazon Purchases. Fair/Poor/No Credit. $0. N/A.
- Kohl's Card * Best for Rewards on Kohl's Purchases. Bad, Fair. $0. 35% off.
- The Sephora Credit Card * Best for Rewards on Sephora Purchases. Bad/Fair. $0. 25% discount.
The best credit card for a 520 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.
Card Name | Best For | Annual Fee |
---|---|---|
OpenSky® Plus Secured Visa® Credit Card | No Annual Fee | $0 |
Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured | $75 intro 1st yr, $99 after |
Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) | After Bankruptcy | $0 |
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
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.
You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.
- Instant approval for Amazon Prime Visa. ...
- A rewarding card for essentials Blue Cash Preferred® Card from American Express. ...
- Instant access to a great travel card Chase Sapphire Preferred® Card. ...
- For below-average credit Capital One Platinum Secured Credit Card. ...
- No credit check required OpenSky® Secured Visa® Credit Card.
Consider a secured credit card
A secured credit card requires that cardholders put down a deposit, which acts as collateral if they're ever unable to make payments. The Discover it® Secured Credit Card is one such option, requiring a security deposit of $200.
The easiest credit card to get with bad credit (a credit score of 300-639) is a secured credit card with no credit check such as the OpenSky® Secured Visa® Credit Card or the OpenSky® Plus Secured Visa® Credit Card. This type of card requires a deposit but doesn't check your credit history, making it very easy to get.
In fact, Petal says you could be approved for the Petal® 2 Visa® Credit Card without any credit scores or credit history whatsoever. And as an extra perk, the Petal® 2 Visa® Credit Card offers its cardholders 1% to 1.5% in cash back rewards. You start out earning 1% cash back on all purchases.
Can I get unsecured credit card without income proof?
It's not likely that the card issuer will ask for you to provide proof of income, such as tax forms, unless you are a young borrower. But the best practice is to be honest so that your credit limit is appropriate. You'll want to make sure you can afford the minimum payments and stay out of debt.
One option for an unsecured credit card for an applicant with no credit history is a student credit card. Student credit cards don't require a deposit like secured cards do, and usually function more like a regular credit card.
What is an instant approval credit card? With an instant approval credit card, you can typically receive a response to your application within minutes. But whether you're approved or denied will depend on various requirements set by the issuer, such as income, credit score, housing payments and more.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
If you want to get a Discover® credit card, you may be wondering how hard it is to get approved. Your credit score plays an important role here. The best Discover credit cards are aimed at consumers with FICO® Scores of 670 or above. If you have good or excellent credit, that helps quite a bit.
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