Bad Credit Credit Cards | Instant Response | No Deposit
If you have bad credit and need an unsecured credit card with no deposit, your options are limited—but there are still a few unsecured paths that can help rebuild credit if used correctly. Most offers provide instant decisions based on a soft or hard review, but final approval depends on the issuer’s criteria.
These cards are designed for people who cannot qualify for better options. They can help rebuild your credit, but they often include high fees, high APRs, and low starting limits.
Below is a breakdown of what these ‘instant approval’ offers actually mean so you know what to expect before applying.
The 1-Year Credit Plan
- Pick a bad credit credit card
- Make tiny monthly purchases
- Pay your balance in full every month (avoid APR)
- Cancel or upgrade before 12 months (avoid maintenance fees)
- Build your credit
- Upgrade to a better card and move on
How These Cards Are Typically Structured
- Annual Fee – charged upfront or within the first billing cycle
- Monthly Maintenance Fees – often begin after the first 12 months
- Year 1 Period – usually the most predictable cost period for these accounts
This is why many people use these cards as a short-term credit-building tool. If you follow a responsible 12-month plan and move to a better card before long-term fees begin, you can reduce unnecessary costs while building your credit profile.
Before applying for any credit card, please review the terms and conditions of the offer to fully understand fees, rates, and requirements.
How to Use Bad Credit Credit Cards Responsibly
Most bad credit credit cards come with sky-high APRs, annual fees, and monthly maintenance charges — but here’s what most people don’t realize: you can often avoid interest charges entirely by paying your balance in full each month. If you follow a simple plan and use these cards responsibly, you can avoid paying interest, rebuild your credit, and be ready to move on to better options within 12 months. The article below shows you exactly how to do it.
These cards aren’t perfect — but if you have less-than-perfect credit and want an unsecured option, they may be one of the few paths available. The key is using them responsibly and temporarily.
Most bad credit credit cards come with high APRs, monthly fees, and annual charges. Check the costs before filling out a pre-qualification form so you’re prepared for the offer you receive.
Indigo® Mastercard® - $1,000 Credit Limit
- Get the credit limit you deserve—$1,000 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
- CLICK HERE TO APPLY ONLINE
Indigo® Mastercard® for Less than Perfect Credit
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
- CLICK HERE TO APPLY ONLINE
Destiny® Mastercard® - Up to 3% Cashback Rewards
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
- CLICK HERE TO APPLY ONLINE
Destiny Mastercard®
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, and a path to better credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- An unsecured card great for everyday purchases
- CLICK HERE TO APPLY ONLINE
Destiny® Mastercard® with Instant Credit
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- CLICK HERE TO APPLY ONLINE
Milestone® Mastercard® - $1,000 Credit Limit
- Guaranteed $1,000 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
- CLICK HERE TO APPLY ONLINE
Milestone® Mastercard® 1.5% Cashback Rewards
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
- CLICK HERE TO APPLY ONLINE
Milestone® Mastercard® with Cashback Rewards
- Guaranteed $1,000 credit limit if approved.
- Fuel your savings: Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit required—get started today!
- CLICK HERE TO APPLY ONLINE
Milestone® Mastercard®
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
- CLICK HERE TO APPLY ONLINE
Mission Lane Visa® Credit Card
- $0 Annual Fee. Clear terms and transparent pricing.
- See if you qualify instantly without harming your credit score.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- CLICK HERE TO APPLY ONLINE
*Subject to terms and conditions
Imagine® Visa® Credit Card
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
*See Program Terms for important information about the cash back rewards program.
**Zero liability subject to Visa’s Zero Liability Policy. - CLICK HERE TO APPLY ONLINE
Surge® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved.
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved.
Avant Card
- Fast and easy application process
- We may periodically review your account for Credit Line Increases
- May help strengthen your credit history with responsible use
- No Hidden Fees^
- $0 Foreign Transaction Fees
- Conveniently pay your card through our online portal, 24/7
- Zero Fraud Liability for Unauthorized Charges
- Avant branded credit products are issued by WebBank
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Late Fee up to $39
- Returned Payment Fee : Up to $25
- ^See the Provider’s terms for more information
- CLICK HERE TO APPLY ONLINE
*See application for additional details
Avant Cash Back Rewards Card
- 1% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn†
- Cash back will be awarded as points redeemable for a statement credit†
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
- CLICK HERE TO APPLY ONLINE
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
- CLICK HERE TO APPLY ONLINE
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.