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What Are the Easiest Credit Cards for Bad Credit to Get?

Establishing credit is tough but rebuilding a damaged credit score is even more challenging. With so many credit card issuers offering rewards to those with perfect credit, ais there a credit card company offering any good credit cards for people with bad credit? Fortunately, there are – but how can you tell the good from the bad? And which of those are the easiest credit cards for bad credit to apply – and get approved – for?

Related Article: The Best Secured Cards for Rebuilding Credit of 2020

Here are the best “instant approval” credit cards available today:

Easy “Instant Approval” Credit Cards for Bad Credit: Unsecured Cards

Before diving into the candidates, let’s define what “bad” is. According to the FICO Score model, a credit score below 580 is considered a “bad” or “poor”. A bad or subprime score on your credit report can impact all aspects of a person’s life, from housing to purchasing a car, and more. Now that the terms are understood, what are the picks for kick-starting the rebuilding process?

When people begin their search, they will usually come across “unsecured” cards. These are your typical payment method; they don’t require a security deposit and extend a line of credit to the cardholder. Ideally, this is what you want when you’re just starting out.

Milestone Gold Mastercard

The Milestone Gold MasterCard is like the Indigo Mastercard. The Milestone is a full-fledged Mastercard, meaning you can use it to make purchases anywhere in the world Mastercard is accepted.

Bank of Missouri, which is one of the largest issuers of in the United States, is the issuer of the Milestone Mastercard. It comes with the kind of perks and protections you expect, including:

  • Identity theft resolutions services
  • Extended warranty coverage
  • Price protection
  • Mastercard Global Service
  • Mastercard Airport Concierge

Milestone Cardholders who make on-time payments can quickly see improvements to their scores thanks to reporting to the three major bureaus (Experian, TransUnion and Equifax). This benefit easily places it in the roundup of options to consider.

Milestone® Gold Mastercard®

No Credit Score Impact When You Apply

Milestone® Gold Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Choose your custom card design
  • Free 24/7 online account access
  • Quick pre-qualification with no impact to credit score
  • Mastercard® Gold Benefits
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
  • Penalty APR: 29.9%
  • Annual Fee: $35 to $99
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

Add cards to start comparing.

  

Destiny Mastercard

The Destiny Mastercard doesn’t care about your credit past. Instead, Destiny wants to be your go-to tool on your credit repair journey.

Like the Milestone Gold, the Destiny Card is an ideal option for those with bad credit – or even a bankruptcy in their past. The card offers a reasonable credit limit, regular reporting to the major credit bureaus, and the perfect platform for quickly raising your credit score.

Even better, the Destiny Mastercard has one of the lowest foreign transaction fees for a bad credit card – making it the perfect companion, both at home – and abroad!

Destiny™ Mastercard®

Quick Pre-Qualification Available for Those Who Qualify

Destiny™ Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee Up to $99
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • Accepted nationwide, wherever Mastercard is accepted
  • Simple and fast application process
  • Less than perfect credit is okay
  • An opportunity to build and access credit
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year. After that, either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
  • Penalty APR: 29.9%
  • Annual Fee: Up to $99
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

Indigo Platinum Mastercard

The Indigo Platinum Mastercard is a popular option for individuals looking to improve their situation. It is traditional in its structure and it bears the purchasing power of the Mastercard Network. The card offers the same APR, purchasing power, and protections as another popular option – the Milestone Card – but allows cardholders to show their own unique style.

Cardholders have the option of choosing their own card design, allowing them to show their personality with every purchase. There are five cool designs to choose from (though the color splash option is our favorite). No matter which option you choose, however, you can boost your credit with responsible use and regular payments.

Indigo® Platinum Mastercard®

Choose Your Own Card Design

Indigo® Platinum Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $0 to $99 depending on the card issued
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Great for demonstrating responsible use of credit
  • Short and easy-to-complete pre-qualification form
  • 24/7 mobile account access
  • Choose your card design free of charge
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
  • Penalty APR: 29.9%
  • Annual Fee: $0 to $99 depending on the card issued
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

First Access Solid Black Visa

The First Access Solid Black Visa is as good at building credit as it is sleek and stylish. The card offers regular reporting to the three major bureaus, a quick application and fast approval, and the purchasing power of the Visa payment network. Visa is the largest payment network in the word, meaning the First Access Solid Black Visa is accepted at more merchants worldwide than any other Amex, Mastercard, or Discover Card.

First Access Solid Black VISA® Credit Card

Raise Credit with Monthly Activity Reporting

First Access Solid Black VISA® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Reporting monthly to all three major credit reporting agencies
  • All credit histories considered for this no security deposit credit card
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • Get the security and convenience of a full-featured, unsecured Visa® credit card - accepted at millions of merchant and ATM locations nationwide and online
  • $300 credit limit (subject to available credit)
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Total Visa® Unsecured Credit Card

The Total Visa is another visa product for those with poor credit. The card prioritizes credit building over punishing those with a subprime credit score, meaning even the worst credit scores can likely receive the card. Not only does the Total Credit Card offer a simple application process, but it also reports to the three major credit bureaus every month.

Total Visa® Unsecured Credit Card

Reports Monthly to All Three Major Credit Bureaus

Total Visa® Unsecured Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (Subject to available credit)
  • Select your favorite card design from our gallery, for free!
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

First Digital NextGen Mastercard®

The First Digital NextGen Mastercard® is a sleek and straightforward credit card for people with bad credit scores. NextGen receives its name from its streamlines – and easy – application process, creating a new way to look at repairing damaged credit.  Start with a respectable, $300 credit limit, and work your way towards a credit line increase with on-time payments and financial responsibility.

First Digital NextGen Mastercard® Credit Card

Online Customer Center Available 24 x 7

First Digital NextGen Mastercard® Credit Card
  • Regular Purchase APR See terms*
  • Cash Advance APR See terms*
  • Annual Fee See terms*
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • Build up your Credit with a card that reports to all three major credit bureaus every month
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application – it just takes moments to apply
  • You may be eligible for a Credit Line Increase after six months
Rates & Fees
  • Regular Purchase APR: See terms*
  • Cash Advance APR: See terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*

Reflex Mastercard

The Reflex Mastercard from Celtic Bank is designed for those who struggle with poor credit – or have no credit score at all. The Reflex credit card offers an unsecured line of credit, regular reporting to Experian, Equifax, and TransUnion, and all the perks that come from a full-feature Mastercard. Users also have access to their VantageScore 3.0 credit score every month when they opt-in for electronic statements.

The Reflex Card is such a popular option because it provides unsecured credit access to millions of Americans who might otherwise be unable to receive any credit lines at all. And, with good financial habits, you might receive a credit limit increase!

Reflex Mastercard® Credit Card

All Credit Types Welcome to Apply

Reflex Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Good , Fair , Poor
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Use your card at locations everywhere Mastercard® is accepted
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*

Surge Mastercard

Like the Reflex Card, the Surge Mastercard is another unsecured credit card for poor credit scores. And, like the Reflex, it is also issued by Celtic Bank The Surge provides an unsecured line of credit, with regular reporting to the three major credit bureaus. And with proper use and financially responsible behavior, users can receive credit limit increases in a matter of months.

Surge Mastercard® Credit Card

All Credit Types Welcome to Apply

Surge Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*

Instant Approval Credit Cards for Poor Credit: Secured Cards

For those who think they can’t get an unsecured card. A secured credit card is their best option. Secured options work by requiring a cash deposit, which acts as the security for the spending limit. Typically, this deposit also serves as the spending limit for the card.

This means a $1,000 deposit equals a $1,000 limit. The deposit depends on the applicants and how much they can afford to put down, through many cards require a minimum of at least $200.

OpenSky Secured Visa Credit Card

There are lots of credit cards on the market for people with bad credit or no credit. One of the more popular options, however, is the OpenSky Secured Visa. Perhaps the best reason to consider adding the OpenSky Visa credit card to your wallet is that it requires no credit check. The application process with the OpenSky Secured Visa is straightforward and takes just a few minutes. Approval is equally quick, making the entire process as painless as possible.

Part of repairing damaged credit is learning the skills to use credit properly. OpenSky is great in this aspect, as they provide cardholders with free access to their knowledge base. The OpenSky knowledge base offers a range of articles on building credit. These topics include how to receive a free copy of your credit score, how credit scores are calculated, and tips on boosting credit.

OpenSky® Secured Visa®

No Credit Check to Apply

OpenSky® Secured Visa®
  • Regular Purchase APR 17.39% variable based on the Prime Rate
  • Cash Advance APR 17.39% variable based on the Prime Rate
  • Annual Fee $35
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Build credit with on-time payments
  • Reports to the three leading credit bureaus
  • Credit limist between $200 and $3,000
  • Visa benefits and protections
Rates & Fees
  • Regular Purchase APR: 17.39% variable based on the Prime Rate
  • Cash Advance APR: 17.39% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $6 or 5% of the amount of each cash advance, whichever is greater.
  • Annual Fee: $35
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $200
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Applied Bank Gold Preferred Visa

The Applied Bank Secured Visa® Gold Preferred® Card is another excellent secured card for repairing or building credit. The 9.99% APR on the card is exceptional, making it an excellent choice for those who plan on carrying a balance.

That exceptionally-low APR also applies to cash advances, meaning the card won’t punish you if you use it to withdraw money from the ATM – unlike some other secured options for imperfect scores. The low rate also is fixed, so users don’t have to worry about rate hikes – even if they’re late on their payments.

Applied Bank Secured Visa® Gold Preferred® Card

No Credit Check or Minimum Credit Score Required

Applied Bank Secured Visa® Gold Preferred® Card
  • Regular Purchase APR 9.99%
  • Cash Advance APR 9.99%
  • Annual Fee $48
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Rates & Fees
  • Regular Purchase APR: 9.99%
  • Cash Advance APR: 9.99%
  • Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $48
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
  • Minimum Deposit Required: $200
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

First Progress

First Progress is a quality lender that issues multiple secured cards. And, like other issuers like Green Dot, the cards come with differing APR and a low annual fee. First, there’s the First Progress Platinum Elite Mastercard® Secured, which features a quick online application, no minimum credit score requirements, and a fixed APR of just 19.99%. Even better, the annual fee is a very reasonable $29.

Next, there’s the First Progress Platinum Select Mastercard® Secured Card. That card features an even lower 13.99% APR and the purchasing power and protection of Mastercard. Finally, there’s the First Progress Platinum Prestige Mastercard®. The Prestige offers a tough-to-beat 9.99% APR and is ideal for those who are building their credit but still plan to carry a balance.

First Progress Platinum Elite Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Elite Mastercard® Secured Credit Card
  • Regular Purchase APR 19.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $29
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 19.99% variable based on the Prime Rate
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $29
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

First Progress Platinum Select Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Select Mastercard® Secured Credit Card
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 13.99% variable based on the Prime Rate
  • Cash Advance APR: 19.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $39
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

First Progress Platinum Prestige Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Prestige Mastercard® Secured Credit Card
  • Regular Purchase APR 9.99% variable based on the Prime Rate
  • Cash Advance APR 18.99% variable based on the Prime Rate
  • Annual Fee $49
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 9.99% variable based on the Prime Rate
  • Cash Advance APR: 18.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $49
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

Horizon Gold Card & Group One Platinum Card

There are no “guaranteed approval” cards out there. There are plenty of websites willing to offer you cards they claim are a sure-fire thing, but that’s a lie. That said, the Horizon Gold Card and Group One Platinum Card are the closest things to an automatic approval card out there, and as such, two of the easiest-to-get credit cards for subprime credit out there.

The Horizon Gold and Group One Platinum are designed for those who are in the rebuilding phase and who also want to enjoy some unsecured card benefits. They offer a $500 spending limit that cardholders can use to make purchases at the Horizon Outlet.

While the Horizon Gold Card and Group One Platinum cards can’t be used at vendors outside of the Horizon Outlet, that store does provide a huge array of products, meaning it offers more than just a method of repairing Credit. But the card does that as well. Horizon and Group One report to one of the three leading bureaus (Experian, Equifax, and TransUnion), so purchasing responsibly and making on-time payments are enough to give your score numerous boosts over time.

Horizon Gold Card

No Credit Required

Horizon Gold Card
  • Annual Fee None
  • Credit Needed No Credit Required
Best Benefits
  • 0% purchase APR
  • No credit check required
  • Fast online application
  • Includes access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits
Rates & Fees
  • Late Payment Penalty Fee: $20
  • Return Payment Penalty Fee: $25

Group One Platinum Card

No Credit Required

Group One Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
Best Benefits
  • $500 credit limit
  • No employment or credit check to apply
  • Reports activity to major credit bureau
  • Fast and easy application
Rates & Fees
  • Late Payment Penalty Fee: $20
  • Return Payment Penalty Fee: $25

Not only are the Horizon and Group One Platinum great for those with subprime credit: they also offer a safe route into a positive financial background for those with no credit history at all.

Rebuilding Your Credit Doesn’t Have to Hurt

There are a few takeaways from this article. First, it’s that rebuilding credit can have its perks. Sure you need to make on-time payments and keep your credit utilization low, but while doing that you can still buy the things you want.

Second, there are plenty of options for bad credit out there. BestCards has a wide variety of advice for those rebuilding their credit. With discipline and patience, you can boost your score and achieve the financial peace of mind you seek.

For more information on poor credit, no credit, and secured credit cards, please visit our dedicated reference pages, conveniently located on our “credit type” and “card type” category pages. There you’ll find comprehensive information on credit repair, the credit card application process, and what to do when you’re approved and your card arrives in the mail.

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident rewards expert, covering all facets of the points game – especially travel, hotels, and airlines. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.