Most bad-credit cards require a deposit, but a few unsecured options exist for scores below 580. Here’s what’s available without putting money down.
Credit One Bank Platinum Visa
Unsecured card for bad credit with 1% cash back on eligible purchases and credit line increases over time.
- Rewards: 1% cash back on eligible purchases
- Annual Fee: $75 first year, then $99/year
- Welcome Bonus: None
Indigo Platinum Mastercard
Unsecured card available for bad credit with a predictable $75 annual fee structure.
- Rewards: No rewards
- Annual Fee: $75/year
- Welcome Bonus: None
Fingerhut Fetti Credit Account
No credit check required — but limited to Fingerhut merchandise. Good for establishing a credit line.
- Rewards: None (merchandise credit only)
- Annual Fee: $0
- Welcome Bonus: None
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Credit One Platinum Visa | 1% eligible purchases | $75–99/yr | Rewards for bad credit |
| Indigo Platinum | None | $75/yr | Simple approval |
| Fingerhut Credit Account | None | $0 | No credit check |
How to Choose
Unsecured bad-credit cards typically have high fees and low limits. If you can afford a $200 deposit, a secured card like Discover it Secured is almost always a better choice.
Frequently Asked Questions
Why are unsecured bad-credit cards so expensive?
Issuers charge high fees to offset the risk of lending to borrowers with poor credit history.
Is it better to get a secured card?
Usually yes — secured cards typically have better terms, real rewards, and a clearer path to better credit.
How long until I can qualify for a better card?
With consistent on-time payments, most people qualify for standard cards within 12–18 months.
Written by: Marcus Chen, Senior Credit Card Analyst at Clear Card Guide
Last Updated: May 2026
Our Editorial Standards | How We Review | Affiliate Disclosure
Leave a Reply