Unsecured Credit Cards for People with Bad Credit
Unsecured credit cards for people with bad credit or no credit history, which are generally fee-based, do not require
that the cardholder submit a security deposit in order to carry a credit line like prepaid debit cards and
secured credit cards do. In addition to offering quick and easy applications, these cards also
report monthly to the consumer reporting agencies, ensuring that your account history gets
reported to your credit profile. This may improve your credit history if you make on-time minimum payments to all creditors and maintain your balances under the credit limits.
The following are the top unsecured cards for consumers with bad credit.
Compare the offers below and apply online today!
Orchard Bank Classic MasterCards 
- An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
| Intro Purchase APR |
Intro Balance Transfer APR |
Regular APR |
Annual Fee |
Bal. Trans. |
Credit Needed |
| N/A* |
N/A* |
14.99-24.99% (Variable)* |
$39.00 1st year, then $59.00* |
Yes* |
Bad Credit* |
Orchard Bank Visa Cards
- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- Knowledgeable customer service representatives to assist you with questions or concerns
| Intro Purchase APR |
Intro Balance Transfer APR |
Regular APR |
Annual Fee |
Bal. Trans. |
Credit Needed |
| N/A* |
N/A* |
14.99-24.99% (Variable)* |
$39.00 1st year, then $59.00* |
Yes* |
Bad Credit* |
First PREMIER® Bank MasterCard® Credit Card
- Checking Account Required
- If approved, pay your $95 Processing Fee to open your account and access your $300 credit limit
- Confidential online application process
- Reports to the major Consumer Reporting Agencies
- Plan your credit future with a First PREMIER Bank credit card
| Intro Purchase APR |
Intro Balance Transfer APR |
Regular APR |
Annual Fee |
Bal. Trans. |
Credit Needed |
| See Website* |
See Website* |
See Website* |
See Website* |
N/A* |
Fair/Bad Credit* |
First PREMIER® Bank Classic Credit Card
- Checking account required to qualify
- A credit card offer for those with less than perfect credit
- Reports your credit history to the major Consumer Reporting Agencies
- Apply for a credit card today - Get a response today
- This credit card may be able to help rebuild your credit history if you make on-time minimum payments and maintain your balances under the credit limits with all your creditors.
| Intro Purchase APR |
Intro Balance Transfer APR |
Regular APR |
Annual Fee |
Bal. Trans. |
Credit Needed |
| See Website* |
See Website* |
See Website* |
See Website* |
N/A* |
Fair/Bad* |
PREMIER Forward® MasterCard Credit Card
- Checking Account Required
- If approved, pay your $95 Processing Fee to open your account and access your $300 credit limit
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card
- Optional Payment Protection available
- Acceptance at millions of locations worldwide (subject to available credit)
- Monthly reporting to major Consumer Reporting Agencies. Apply now!
| Intro Purchase APR |
Intro Balance Transfer APR |
Regular APR |
Annual Fee |
Bal. Trans. |
Credit Needed |
| See Website* |
See Website* |
See Website* |
See Website* |
N/A* |
Fair/Bad Credit* |
PREMIER Possibilities® Credit Card
- Checking Account Required
- If approved, pay your $95 Processing Fee to open your account and access your $300 credit limit
- Applying for a credit card could be easier than you think
- Once your account is open, you may have the chance to personalize your credit card
- You may be able to rebuild your credit if you do the following: make on-time monthly payments and keep your balances under the limits with all your creditors
| Intro Purchase APR |
Intro Balance Transfer APR |
Regular APR |
Annual Fee |
Bal. Trans. |
Credit Needed |
| See Website* |
See Website* |
See Website* |
See Website* |
N/A* |
Fair/Bad Credit* |