Unsecured Visa For Poor Credit
Unsecured Visa for Poor Credit Cards are an excellent choice for people who have little or bad credit. Banks and other issuers of credit cards have always prided themselves on selectivity. Their core belief is that only people with a good credit score should be able to obtain a card. Of course, this philosophy could be likened to excluding only the cream of the crop from entering their building.
If you’re looking for a Visa card, but you have poor credit, don’t worry. There is hope for your future credit. Because we’ve created a special offer for people with bad credit – unsecured Visa Card. Our team is ready to help you get rid of financial stress at once.
Unsecured Visa For Poor Credit
Poor credit? No problem.
We know that a lot of people are struggling with their finances, and sometimes that can make it hard to get a loan. The good news is, there are still options for you!
If you want to buy a car, or make any kind of purchase on credit, you need to have a solid credit score. But what if your credit isn’t so good? That doesn’t mean you have to give up—we can help.
You can apply for an unsecured Visa right now and get approved even if you have poor credit! We’re talking about a card that lets you make purchases without having to put down money up front—and without having to pay interest on those purchases. It’s like a loan without the debt!
If you have poor credit and are looking for a credit card, we have the perfect solution for you.
With [company name]’s unsecured Visa, you can get all the benefits of a credit card without having to be approved by traditional banks. You’ll be able to build credit, get rewarded for using your card, and pay off your balance each month with no interest or fees.
Plus, you’ll never have to worry about being declined because our company is based on a new technology that allows us to approve almost anyone!
If you have poor credit, here’s a solution to help you get out of debt:
An unsecured credit card.
An unsecured card is one that doesn’t require a security deposit, like a car or home loan. Instead, it requires you to pay off your balance each month. If you don’t, the interest rate will go up and your credit score will fall even further—which means more fees and higher interest rates on future loans.
But if you use your unsecured card wisely and pay off your balance every month (yes, even on the holidays and vacations!), then it can help rebuild your credit score over time and help you get out of debt faster than ever!
Best Unsecured Cards For Bad Credit
Most of these cards allow you to test the waters through a prequalification process that will not hurt your credit score. No matter how bad your credit, at least one of these cards may approve you as a cardmember, letting you conveniently shop without cash, a checkbook, or a debit card.
1. Surge Mastercard®
at Celtic Bank’ssecure website
BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.1/5.0
Our Review »
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| See website for Details | See website for Details | 24.99% – 29.99% (Variable) | See website for Details | See website for Details* |
The Surge Mastercard® offers you $0 fraud liability and other basic benefits that come with all Mastercards. While the card’s initial credit limit is low, you may receive a higher limit by paying your bill on time for six months in a row. You can manage the card online and via a mobile app to view balances and make timely payments, among other things.
For a fee, you can purchase credit protection for this card that will waive your outstanding credit card debt if you die. You also get protection in the event of job loss, hospitalization, or disability. The card assists in building credit and tracking your credit score for free.
2. Reflex Mastercard®
at Celtic Bank’ssecure website
BAD CREDIT RATING
★★★★★
4.4
OVERALL RATING
3.9/5.0
Our Review »
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 24.99% – 29.99% (Variable) | See Terms | Bad, Fair, or No Credit |
The Reflex Mastercard® lets you prequalify in less than a minute without affecting your low credit score. This card offers a credit limit range that’s wider than those offered by some competitors. It comes with an annual fee but provides $0 fraud liability.
If you pay at least the minimum payment due each month for six months, the Reflex Mastercard® may offer you a higher credit limit. Depending on your credit score, you may be able to avoid the monthly maintenance fee (which in any event is always waived for the first year). Other fees include a foreign transaction fee and fees for additional cards, cash advances, late payments, and returned payments.
3. Revvi Card
at Revvi’ssecure website
BAD CREDIT RATING
★★★★★
4.4
OVERALL RATING
3.8/5.0
Our Review »
- Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Fast and easy application; response provided in seconds
- $300 credit limit (subject to available credit)
- Build your credit score with on-time payments and keeping your balance below the credit limit
- Opportunity to request credit limit increase after twelve months, fee applies
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| See website for Details | N/A | 34.99% | $75 1st year, $48 after | See website for Details |
The Revvi Card is the only card in this review that offers cash back rewards. It also comes with $0 fraud liability, a user-friendly mobile app, and monthly reporting to the credit bureaus to help you build credit.
The purchase APR is high, and it charges an annual fee, a program fee, and fees for cash advances, foreign transactions, late payments, and returned payments.
4. FIT Mastercard®
at The Bank Of Missouri’ssecure website
BAD CREDIT RATING
★★★★★
4.3
OVERALL RATING
3.4/5.0
Our Review »
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 29.99% | See Terms | Fair/Poor/Bad |
You can use the FIT Mastercard® to whip your credit into better shape because it reports your transactions to all three credit bureaus. The card charges a one-time processing fee, an annual fee, and fees for cash advances, foreign transactions, late or returned payments, and additional cards. You don’t pay the monthly maintenance fee during the first 12 months after opening the account.
Cardholders receive $0 fraud liability and automatic evaluation for a higher credit limit after six months of timely payments. You can purchase optional credit protection against loss of life, job loss, disability, or hospitalization. The Bank of Missouri issues this card.
5. Total Visa® Card
at Total Card’ssecure website
BAD CREDIT RATING
★★★★★
4.3
OVERALL RATING
3.5/5.0
Our Review »
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | See Terms | See Terms | Fair, Bad Credit |
The Total Visa® Card offers a quick application process and an immediate decision. The card’s APR is higher than some other cards in this review, and the 21-day grace period is one of the shortest. The card charges a one-time program fee, an annual fee, and a monthly servicing fee that’s waived for the first year, as is the cash advance fee.
The card assesses a program fee that will be deducted from your initial credit limit. Late and returned payments also trigger fees. Because the initial credit limit is low, you should find your monthly payment requirement easy to manage.
6. Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay
at Indigo® Mastercard®’ssecure website
BAD CREDIT RATING
★★★★★
4.3
OVERALL RATING
4.0/5.0
Our Review »
- Pre-qualifying today will not affect your credit score
- Less than perfect credit histories can qualify, even with prior bankruptcy!
- Mobile friendly online access from anywhere
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 24.9% | $0 – $99 | Fair/Good |
Here’s a card — the Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay — that is so tolerant of a less-than-perfect credit history that it may approve your application even if you previously had to file for bankruptcy. You can prequalify for the card without jeopardizing your low credit score and then use the card to rebuild your credit as each major credit bureau receives your transaction details each month.
The Indigo card lets you choose from among a handful of different card designs. You also get Mastercard fraud protection. Utah’s Celtic Bank, founded in 2001, issues this card.
7. Milestone® Mastercard® – Less Than Perfect Credit Considered
at Milestone Mastercard®’ssecure website
BAD CREDIT RATING
★★★★★
4.3
OVERALL RATING
3.9/5.0
Our Review »
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 24.9% | $35 – $99 | Poor/Bad |
The Milestone® Mastercard® – Less Than Perfect Credit Considered from the Bank of Missouri will consider your application despite your less-than-perfect credit. You can prequalify for this card in a few steps, and the issuer may prequalify you for another bank’s card if it can’t match you to one of its own cards.
The card charges an annual fee and a foreign transaction fee, but no monthly maintenance fee. There are also fees for cash advances, over-limit transactions, and late or returned payments. You can enjoy mobile access with the accompanying app, and the card automatically protects you if your card is lost or stolen.
8. Indigo® Mastercard® for Less than Perfect Credit
at Indigo® Mastercard®’ssecure website
BAD CREDIT RATING
★★★★★
4.3
OVERALL RATING
3.8/5.0
Our Review »
- Pre-qualify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 24.9% | $0 – $99 | Bad, Poor Credit |
It’s okay to apply for the Indigo® Mastercard® for Less than Perfect Credit if your credit history is blemished. You can prequalify for the card quickly to see whether you can proceed with the application process.
Unlike many of the other cards in this review, this one charges no annual fee. The cash advance fee is waived the first year, but there are fees for foreign transactions, late payments, over-limit transactions, and returned payments. Celtic Bank in Salt Lake City issues this credit card.
9. Merrick Bank Double Your Line® Mastercard®
at Merrick Bank’ssecure website
BAD CREDIT RATING
★★★★★
4.3
OVERALL RATING
4.1/5.0
Our Review »
- Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
- Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
- See if you are pre-approved within minutes, without affecting your credit score.
- Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 22.45% to 30.70% Variable | $0-$72 | See website for Details* |
The Merrick Bank Double Your Line® Mastercard® helps you build your credit by paying your bills on time. You can earn a higher credit limit after seven on-time payments.
This purchase APR is competitive and you may qualify to pay no annual fee, depending on your credit history. You’ll also have access to your free FICO Score each month.
10. First Access Visa® Card
at First Access Visa®’ssecure website
BAD CREDIT RATING
★★★★★
4.2
OVERALL RATING
3.5/5.0
Our Review »
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | See Terms | See Terms | Bad Credit |
The First Access Visa® Card is a full-featured card that routinely approves applications from consumers with imperfect credit, although applicants must have a checking account to qualify. Decisions are quick — in fact, you should receive a decision in about a minute. You can choose from six different card designs when applying for this card.
This card carries a high APR and plenty of fees, including a one-time program fee, an annual fee, late/returned payment fees, and two fees (for monthly servicing and cash advances) that are waived during the first year. There are also fees for additional cards, credit limit increases, express delivery, and duplicate copies of any monthly billing statement.
11. Progress Credit
at the issuer’ssecure website
BEST OVERALL RATING
★★★★★
3.0
OVERALL RATING
3.0/5.0
Our Review »
- Get both a Secured MasterCard® and an Unsecured VISA® Credit Card from our trusted partners with this unique program
- The Secured Card offered by our partners at First Progress requires no credit history or minimum score for approval
- The unsecured VISA card does not require perfect credit; our partners at First Access Card may approve you when others won’t
- Open accounts with both VISA and MasterCard so you’ll always have access
- Both accounts report activity separately to all three Credit Bureaus every month
- Both cards are genuine credit cards with security protections and nationwide acceptance
- See application, terms and details.
| Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | See website for Details | See website for Details | Bad, Fair, or No Credit |
Progress Credit partners with two issuers to provide you with both an unsecured Visa credit card and a secured Mastercard despite your imperfect credit history. In fact, the unsecured card is among the easiest to obtain. The unsecured Visa card from the Bank of Missouri boasts nationwide acceptance and security protections.
Both cards help build credit because each separately reports your transaction activity to each major credit bureau. The unsecured card charges a one-time program fee if your application is approved. You can’t use the card at fuel pumps, for gambling transactions, or with foreign merchants.
What Is an Unsecured Credit Card?
An unsecured card is what most folks think of as a normal credit card. You use it to charge purchases at stores and online and can stretch out the payments over multiple months. An unsecured card does not require a cash deposit to qualify for the card.
In contrast, a secured credit card is collateralized by your cash deposit into a special locked account maintained by the credit card company. The amount of your deposit may be less than or equal to your credit limit, depending on the card and your credit score.
How Does an Unsecured Credit Card Work?
An unsecured credit card allows you to charge purchases for products and services at retail locations or online stores. Unsecured credit cards operate as follows:
- You apply for the card online or over the phone by supplying personal information about your income and expenses. If you are approved, you will be mailed the credit card right away and should receive it within a week or two.
- The card will feature your name, account number, expiration date, and a security code. There is usually a place to sign the back of the card.
- Modern credit cards contain an embedded microchip that encrypts important information, including transaction history and your current balance, among other things. They also have magnetic swipe strips for backward compatibility with older card-reading devices.
- Your unsecured credit card comes with a credit limit, an interest rate (called the annual percentage rate or APR), and a schedule of fees. Different cards have different fees and APRs. CardRates reviews and compares credit cards to help you find the perfect one for your purposes.
- Credit cards divide the year into billing cycles, usually one per month. The period between the end of the billing cycle and the payment due date is the grace period, which is usually in the 21- to 25-day range.
- You charge purchases on your credit card up to the credit limit. You can pay off your balance in full by the next payment due date and avoid paying any interest. Any unpaid balance from the previous billing cycle that remains unpaid after the grace period expires will incur interest every day until you fully repay your balance.
- Your card may also offer cash advances, which are like instant loans. There is no grace period for a cash advance — you accrue interest every day until you repay the advance.
- While rewards aren’t common with unsecured credit cards for bad credit, many credit cards for good credit offer rewards in the form of cash back, miles, or points. You earn rewards when you charge purchases on a rewards card, and you can redeem these rewards in various ways. Cards may offer simple or complex reward schemes — you’ll have to read all the fine print to understand the details.
- Most credit cards report your activity to one or more of the three major credit bureaus. The bureaus compile your credit history and calculate a credit score that depicts your creditworthiness in a single number. Your credit score helps determine which credit cards you can obtain and how much interest you’ll pay for credit and loans.
- Credit cards offer various benefits, such as free insurance, discounts on purchases, security and purchase protections, and free access to airport lounges, among several other lesser-known perks.
Many consumers hold multiple credit cards. That’s usually a good idea in case one card is stolen or you utilize the full credit limit on a card.
If your card is lost or stolen, you should immediately report it to the card issuer. The issuer will close the credit card account and send you a new credit card with a different account number.
What Is a Bad Credit Score?
Your credit score defines your credit profile. About 90% of lenders and creditors in the United States use the FICO credit score system, which has a range from 300 (worst credit) to 850 (perfect credit).
A score below 580 is generally considered bad credit, whereas fair credit scores range from 580 to 669.
Conclusion
Credit cards for poor credit are available, and you don’t need to go into debt to get approved for them. There are options for people who have no credit history or bad credit, and it’s time to stop being afraid of the process. You can have a Visa or MasterCard even if you have poor or bad credit; all you need is an open mind and a bit of patience.
In summary, you need to have a good credit rating, an income level to backup your request, and a history of responsible financial habits. Then visa secured credit cards are the best option for you. They offer greater rewards and incentives than prepaid debit cards or cash back credit cards.