Bad Credit Credit Cards No Deposit
Explore five unsecured credit card options for bad credit that require no security deposit, including cards with no annual fee, cash back rewards, and opportunities for credit-limit increases or automatic credit-limit reviews as your account history develops. These cards are not all the same. Below, you can look at five credit cards for bad credit that require no deposit, see how their features differ, and choose which individual card reviews you want to explore.
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5 Credit Cards for Bad Credit With No Deposit
If you have bad credit and are looking for credit cards for bad credit that require no deposit, the five cards below give you options to consider. Each card has different credit limits, fees and features, including options with cash back rewards, no annual fees, credit-limit increases and automatic credit-limit reviews.
1. Ollo Everyday Rewards Mastercard®
The Ollo Everyday Rewards Mastercard® is an option for consumers with bad, fair, or good credit who want an unsecured credit card with cash back rewards and no annual fee. The card offers 3% cash back at gas and EV charging stations, grocery stores, and drugstores, along with 1% cash back on other purchases.
Ollo also provides a pre-approval process that allows you to see if you qualify without an impact to your credit score. The card offers an automatic review for a possible credit line increase in as little as six months.
For someone with bad credit who wants to look beyond traditional credit-building cards and consider an unsecured card with rewards and no annual fee, the Ollo Everyday Rewards Mastercard is one option to investigate.
➤ See the Ollo Everyday Rewards Mastercard review
2. OneMain BrightWay® Card
The OneMain BrightWay® Card is another unsecured option for consumers with fair, poor, or bad credit. The card offers 1% cash back on purchases and provides potential rewards for responsible account management, including the possibility of a credit limit increase or APR decrease in as little as six months, subject to the applicable requirements.
BrightWay also allows consumers to see if they are pre-approved without an impact to their credit score. The card is issued by WebBank and is not available in every state, so eligibility depends in part on where you live.
If you have bad credit and want an unsecured card that combines cash back with the possibility of additional account benefits over time, BrightWay is an option to examine.
➤ See the OneMain BrightWay Card review
3. Indigo® Mastercard® for Less than Perfect Credit
The Indigo® Mastercard® for Less than Perfect Credit is designed for consumers with less-than-perfect credit who are looking for an unsecured credit card. If approved, the card provides a $700 credit limit, and a security deposit is not required.
Indigo also provides a way to check potential eligibility before proceeding with a full application. The card reports to all three major credit bureaus, allowing cardholders to build a payment history when the account is managed responsibly.
For someone with bad credit who specifically wants an unsecured card without a security deposit, Indigo is another option to investigate.
➤ See the Indigo Mastercard review
4. Destiny Mastercard®
The Destiny Mastercard® is an unsecured credit card designed for consumers with less-than-perfect credit. If approved, the card provides a $700 credit limit, and no security deposit is required.
Destiny also provides a way to check potential eligibility before completing the full application process. The card is intended for consumers who are looking for an unsecured credit card while working on their credit history.
If you have bad credit and need a credit card without putting down a deposit, Destiny is another unsecured option you can consider.
➤ See the Destiny Mastercard review
5. Milestone® Mastercard®
The Milestone® Mastercard® is another unsecured credit card option for consumers with less-than-perfect credit. If approved, the card provides a $700 credit limit, and no security deposit is required.
Milestone also provides a way to check potential eligibility before submitting a full application. The card is intended for consumers who may have difficulty qualifying for some traditional credit cards and are looking for an unsecured option.
For someone with bad credit who wants to consider an unsecured credit card without a security deposit, Milestone is another card worth investigating.
➤ See the Milestone Mastercard review
Compare the Credit Cards Listed Above
Your first step is to review the specific features for each card above, including the starting credit limits and annual fees. Take a moment to compare the rewards on the Ollo and OneMain BrightWay cards against the credit-building features of the Indigo, Destiny, and Milestone Mastercards to see which features and terms fit your needs.
Review Your Terms and Check Your Prequalification Odds
Before you fill out a final application, make sure to review the exact interest rates and fee disclosures for your chosen card. We highly recommend using the soft-pull prequalification tools on the individual review screens first, which allow you to test your approval odds safely without adding a hard inquiry to your credit report.
How to Take Action on These Unsecured Card Offers
To get started, your next step is to choose the specific features that match your rebuilding goals. If your priority is avoiding an annual fee while earning cash back, your best option is to review the Ollo Everyday Rewards Mastercard. For a card that combines cash back with a path to credit line reviews in six months, check your availability for the OneMain BrightWay Card.
If you want a straightforward $700 unsecured limit with no upfront cash deposit required, you can compare the direct offers for the Indigo, Destiny, and Milestone Mastercards.
Before you apply for any offer, click through to the individual review pages listed above to verify the exact fee schedules and use the soft-pull pre-qualification tools to test your approval odds safely.
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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.
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