If you have bad credit, finding a credit card that doesn’t require a deposit can be challenging—but not impossible. In 2025, several issuers are offering unsecured credit cards specifically designed for consumers with less-than-perfect credit. These cards can help rebuild your credit history without the upfront cost of a secured card.
This guide covers the best credit cards for bad credit with no deposit required, including their features, fees, and credit-building benefits.
1. Milestone® Mastercard® – Unsecured for Less-Than-Perfect Credit
Annual Fee: $35–$99
Credit Limit: Starting at $300
APR: 24.90% (variable)
Reports to All 3 Bureaus: Yes
Why it stands out: The Milestone® Mastercard® is designed for people with a poor credit score or no credit history. No security deposit is required, and pre-qualification with no impact on your credit score is available.
Pros:
- No deposit required
- Pre-qualification available
- Helps build credit with on-time payments
Cons:
- Annual fee varies based on credit
- No rewards program
2. Credit One Bank® Platinum Visa® for Rebuilding Credit
Annual Fee: $75–$99
Credit Limit: $300–$1,000
APR: 28.49% (variable)
Reports to All 3 Bureaus: Yes
Why it stands out: Credit One Bank offers a flexible unsecured card that can approve users with poor credit. It includes basic cashback on eligible purchases and offers credit line increases with responsible use.
Pros:
- Offers cashback on eligible purchases
- Credit line increase potential
- Free access to credit score
Cons:
- High APR
- Annual fee can be high
- Limited rewards
3. Indigo® Mastercard® for Less-Than-Perfect Credit
Annual Fee: $0–$99
Credit Limit: Up to $300
APR: 24.90% (variable)
Reports to All 3 Bureaus: Yes
Why it stands out: Designed specifically for those with damaged credit, the Indigo® Mastercard® is another unsecured option that offers pre-qualification with no credit score impact.
Pros:
- No deposit required
- Pre-qualification available
- Accepted nationwide wherever Mastercard is
Cons:
- Low starting limit
- Annual fee varies
- No rewards
4. Revvi Card – Unsecured Visa® with Cashback
Annual Fee: $75 first year; $48 after
Credit Limit: $300
APR: 35.99% (variable)
Reports to All 3 Bureaus: Yes
Why it stands out: The Revvi Card is one of the few unsecured credit cards for bad credit that offers 1% cashback on payments, not purchases. It also includes a mobile app and fast approval.
Pros:
- Cashback on payments
- No deposit required
- Reports monthly to all credit bureaus
Cons:
- High APR
- Setup and monthly fees
- Low initial limit
What to Consider When Choosing a Card for Bad Credit with No Deposit
- Credit Bureau Reporting: Ensure the card reports to all three major credit bureaus (Experian, TransUnion, Equifax).
- Pre-Qualification: Look for cards that allow you to check your eligibility without affecting your credit.
- Annual Fees: Some cards come with high fees—always weigh the benefits.
- APR: High-interest rates can increase your balance quickly if you carry a monthly balance.
- Credit Limit: Unsecured cards for bad credit often start with low limits, but responsible use can lead to increases.
Final Thoughts
Rebuilding credit without a deposit is possible in 2025, thanks to a growing number of unsecured credit card options for consumers with bad credit. While these cards may come with high fees or limited perks, they serve a critical role in helping you establish or repair your credit profile. Always use your card responsibly, make on-time payments, and monitor your credit regularly to maximize your financial recovery.
