Best Credit Cards for a 480 Credit Score 2024 (2024)

FAQs

What credit card can I get with a 480 credit score? ›

The best credit card for a 480 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee.

There are no quick fixes for a Very Poor credit score, and the negative effects of some issues that cause Very Poor scores, such as bankruptcy or foreclosure, diminish only with the passage of time.

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

Secured credit card: You can typically get a secured credit card even if you have a credit score of 450. You usually need to provide collateral in the form of a security deposit. If you don't make payments, your security deposit will be forfeited.

A 480 credit score can be a sign of past credit difficulties or a lack of credit history. Whether you're looking for a personal loan, a mortgage or a credit card, credit scores in this range can make it challenging to get approved for unsecured credit, which doesn't require collateral or a security deposit.

Key takeaways. You can get a mortgage with a credit score as low as 620, 580 or even 500, depending on the type of loan. Some mortgage lenders offer bad credit loans with more flexible qualifying requirements but higher costs.

Which bank gives easily credit cards? ›

Amazon Pay ICICI Credit Card is a co-branded credit card by ICICI Bank and Amazon Pay. It is also a popular card among the people. To get an Amazon Pay ICICI Credit Card, apply on the Amazon app. It is very easy to get for the beginners.

Citi^® Secured Mastercard^® is an option for customers with little or no credit history and can help you build your credit when used responsibly. Unlike a debit card, Citi^® Secured Mastercard^® is a real credit card that helps build your credit history with monthly reporting to all 3 major credit bureaus.

However, it is possible to bounce back. Using a credit card responsibly can help you reestablish your credit. If you're unwilling or unable to pay the deposit to get a secured card, you have another option: A “second-chance” credit card with no security deposit required.

No credit history required, the Discover it® Secured Credit Card offers one of the best credit cards for building or rebuilding a healthy credit history, while earning cash back in select everyday categories. No credit score required to apply. No Annual Fee, earn cash back, and build your credit history.

You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.

The best type of credit card for a 481 credit score is a secured credit card with no credit check when you apply. These credit cards offer high odds of approval even for people with the lowest credit score possible because your credit history doesn't factor into the approval decision.

With an 420 credit score, you're unlikely to get approved for a traditional credit card.