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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 rewards credit cards out there, are there any good credit cards out there for those with poor credit? Fortunately, there are – but how can you tell the good from the bad? What are the easiest credit cards for bad credit to get?

Credit Cards for Bad Credit – Unsecured Cards

When people search for the “best credit cards for bad credit,” they are usually referring to unsecured cards. Unsecured credit cards are your typical credit card; they don’t require a security deposit and extend a line of credit to the cardholder. Ideally, this is what you want out of a credit card.

Horizon Gold Card & Group One Platinum Card

There are no “guaranteed approval” credit cards out there. There are plenty of websites willing to offer you credit 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 thing to an automatic approval card out there, and as such, two of the easiest-to-get credit cards for bad credit.

The Horizon Card and Group One Platinum card are designed for those with a poor credit history who want to rebuild their credit and enjoy some of the benefits of an unsecured credit card. The cards offers a $500 credit line 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 credit bureaus (Experian, Equifax, and TransUnion), so using the card and making on-time payments is enough to boost a bad credit score.

Horizon Gold Card

No Credit Required

Horizon Gold Card
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network N/A
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

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Group One Platinum Card

No Credit Required

Group One Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network N/A
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

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Milestone Gold Mastercard

The Milestone Gold MasterCard is another popular addition to credit cards for bad credit. Unlike the Horizon Gold or Fingerhut Card, the Milestone is a full-fledged Mastercard credit card. This means you can use it to make purchases anywhere in the world Mastercard is accepted.

The Milestone Gold Mastercard is issued through the Bank of Missouri, which is one of the largest issuers of credit cards in the United States. The card comes with the kind of perks and protections you expect from a credit card, including:

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

Just like the Horizon Card, Milestone Cardholders who make on-time payments can quickly rebuild their credit thanks to reporting to the three major credit bureaus. This definitely places it in the category of best credit cards for bad credit.

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

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Indigo Platinum MasterCard

The Indigo Platinum Mastercard is like the milestone Gold Mastercard. It is a regular credit card with the purchasing power of the MasterCard Network. The card offers the same APR, purchasing power, and protections of 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 each transaction
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

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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 credit cards work by requiring a cash deposit, which acts as the security for the credit. Typically, this deposit also serves as the credit line for the card. This means a $1,000 deposit equals a $1,000 credit 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.

Many credit unions feature secured credit cards, often with excellent interest rates and no annual fees. For those that want rewards, however, the options are much more limited. The best bet is the Discover It Secured Card. The Secured version of the Discover It chrome Card, the Discover It Secured earns unlimited 2% cash back on restaurant and gas station purchases, plus 1% back on all other purchases. Discover even matches the total cash back for the first year. Not bad for a secured card.

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 credit cards 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 get the credit card of your dreams.

About: Cory

Cory is BestCards.com's 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.