Best Credit Card With A 450 To 459 Credit Score // No Credit Check 


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By Mark B. Huntley, J.D.
Last Updated 07/01/2020


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Summary: We review multiple credit card options for people with a 450 to 459 credit score. 

Get Our #1 Rated Secured Credit Card 

Recommended For Credit Scores Between 450 - 459

First Progress Platinum Elite Mastercard®

Apply On Synovus Bank's Secure Website

There are not a lot of options when you are looking for the best credit card for a 450 to 459 credit score. 

This is because lenders judge their risk to lend you money primarily on your FICO score and income. 

A lower score is a statistical indicator to credit card companies that you may not pay them back. 

However, I’m going to tell you about two good options you should be able to get credit from today.

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In this article, we will review the secured credit card option along with how to get an unsecured online store credit card.  

Keep in mind that your credit card options won’t change much by a few points, so if you have a 452, 454, 456, or 458 credit score, you will qualify for the same cards, as if you had a 451, 453, 455, or 457 score.

If you are looking for the best deals on an auto loan, personal loan, home mortgage loan, or credit card for a credit score between 450 to 459, check out one of these articles. Click on your credit score: 450 credit score, 451 credit score, 452 credit score, 453 credit score, 454 credit score, 455 credit score, 456 credit score, 457 credit score, 458 credit score, or 459 credit score.

Best Credit Card For A 450 451 452 453 454 455 456 457 458 459 Credit Score

Best Credit Cards With A 450 To 459 Credit Score

Disclaimer: "Credit score" refers to FICO score in this article.  If you have a different score (i.e. VantageScore), that does not likely equal your FICO.  For example, a 452 VantageScore could equal any FICO score... 391, 426, 597?  Who knows?  You can get your FICO score here.

How To Get A Credit Card With 450 Credit Score With No Credit Check

Having a credit card that you can use when you do not have any cash or to make online purchases is pretty much a necessity today. 

Being unable to get a card because of bad credit severely limits your options in a society that makes it more convenient to use plastic rather than cash. 

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450 Credit Score Credit Card & 451 Credit Score Credit Card

Because of your bad credit, most lenders will not consider giving you an unsecured revolving loan, whether your average score is 451, 453, or 457. 

Your best bet to get credit with a 459 VantageScore is a secured credit card. 

A secured credit card looks and works just like a traditional card, but your credit limit is determined by the amount of money you deposit with the lender.


#1 Rated - First Progress Platinum Elite Mastercard® Secured Credit Card


#2 Rated - Green Dot Visa® Secured Credit Card


#3 Rated - First Progress Platinum Prestige Secured Mastercard®


This is a great way to begin building credit and showing the banks that you can be trusted to pay them back. 

You should have the opportunity to have a pretty large credit limit since most secured credit cards allow you to deposit as little as $50 dollars and as much as $5,000.

One good credit-building strategy is to open a couple of secured credit card accounts by depositing $50 - $200 into each one.

If you add multiple secured cards to your portfolio, it will increase your number of tradelines and start to build your credit files payment history much faster. 

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The three major credit bureaus, Equifax, TransUnion, and Experian, collect all of your credit interactions, and lenders use them in conjunction with FICO to calculate your score. 

Your payment history accounts for as much as 35% of your score, so having multiple secured cards reporting your monthly payments is helpful. 

There are two main factors when considering which secured credit card to choose from; the APR rate and the annual fees. 

Credit Card

Regular APR

Annual Fee

Learn More

opensky visa secured card

OpenSky® Secured Visa® Credit Card

19.64%

 Variable APR

$35.00

Capital Bank N.A.'s secure website

first progress platinum elite mastercard

First Progress Platinum Elite Mastercard® Secured Credit Card

19.99% APR

$29.00

on Synovus Bank's secure website

first progress platinum prestige mastercard

First Progress Platinum Prestige Secured Mastercard®

9.99% APR

$49.00

on Synovus Bank's secure website

green dot secured credit card

Green Dot Visa® Secured Credit Card

19.99% APR

$39.00

on Green Dot Bank's secure website

applied bank visa gold

Applied Bank® Secured Visa® Gold Preferred® Credit Card

9.99%

$48.00

on Applied Bank's secure website

first latitude card

The First Latitude MasterCard® Secured Credit Card

Read Our Review

25.99%


$0

on Synovus Bank's secure website

first progress platinum select secured credit card

First Progress Platinum Select MasterCard® Secured Credit Card

13.99%

$39.00

on Synovus Bank's secure website

With secured credit cards you usually have to choose between a low APR rate that will have high annual fees or a high APR rate with low to no annual fees. 

If you plan on using the card often, choose the lower APR rate. 

But if you aren't planning on using the credit regularly, just choose the card with no annual fees. 

To learn more about your secured credit card options, you can check out our Best Secured Credit Cards Reviewed article. 

Get Our #1 Rated Secured Credit Card 

Recommended For Credit Scores Between 450 - 459

First Progress Platinum Elite Mastercard®

Apply On Synovus Bank's Secure Website

455 Credit Score Credit Card - Online Store Options

Another option you may consider is the Fingerhut online store credit card

WebBank offers Fingerhut online store credit to people with bad VantageScores, even as low as 452, 454, or 456. 

Depending on multiple factors, you may qualify for Fingerhut's unsecured online store credit that can be used to purchase anything in their vast brand name filled merchandise catalog. 

#1


​Credit Solution:​ Merchandise Account

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $0 ​

I applied for Fingerhut credit when my FICO score was around 550, and they gave me a $1,000 credit line. 

In fact, just by making the minimum monthly payments over the past year, they have increased my credit limit up to $2,300! 

Revolving credit helps build your credit file.  By applying for Fingerhut credit it helped my FICO score increase 100 points.

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452 Credit Score Credit Card & 453 Credit Score Credit Card

It costs you absolutely nothing to apply for a Fingerhut credit card, and even if they do not give you an unsecured credit line, you should qualify for their Fresh Start program. 

The Fresh Start program allows you to make a purchase for $50 and then pay them back over six months. 

Quick Note:


Your Fingerhut account won’t include an actual credit card because you can only use the credit to purchase items from their website.   

Once you have completed all six payments, Fingerhut will then give you an unsecured credit line to be used for online purchases from their catalog of brand named goods. 

You can start building credit, improve your credit, and buy name brand products on credit by applying for the Fingerhut credit card with a 458 VantageScore today! 

Their Fresh Start program allows you to make a purchase for $50 and then pay them back over six months. 

Once you have completed all six payments, Fingerhut will then give you an unsecured credit line to be used for online purchases from their catalog of brand named goods. 

You can start building credit, improve your credit, and get stuff on credit by applying for the Fingerhut online store card with 458  FICO Score today! 

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454 Credit Score Credit Card & 455 Credit Score Credit Card

Alternative To Unsecured Credit Card For 455 Credit Score

Outside of Fingerhut, you will have a hard time getting an unsecured credit card with a 455 credit score. 

Keep in mind that applying for multiple credit cards that you have no hope of ever qualifying for will hurt your credit. 

You should never apply for credit unless you are absolutely sure you will qualify. 

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456 Credit Score Credit Card & 457 Credit Score Credit Card

Unsecured credit cards are usually given to people with a VantageScore of 600 or higher. 

However, if you have a good job and income, you may qualify for a bad credit personal loan.

Keep in mind that an unsecured personal loan with a FICO score between 450 to 459 is going to cost you a lot of money in interest. 

Quick Tip:

Never apply for a credit card unless you are absolutely positive you will be approved. 

In fact, a recent Bloomberg article it is estimated that people with a FICO score around 451, 453, or 455, can expect to pay APR rates between 35% and 155%. 

Unless you are in an absolute dire straight, steer clear from a personal loan for bad credit. 

We have a great relationship with a bad credit personal loan lender and would suggest you start with them if you choose to try this path.

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Build Your Credit To Get A Credit Card For 450 Credit Score

If you have a score in the 450 range, then you have a combination of bad credit, no credit or limited credit. 

If you have bad credit, one option to consider is hiring a credit repair service to help you. 

The best credit repair companies are usually able to review your credit reports and clean up negative items off your credit report that are hurting your score.  

Based on a recent Credit Knocks study, we found that credit repair services cost very little for the value of the services that they provide

Our study found that people who stayed with their credit repair service for six months or longer had a good chance of seeing their VantageScore increase by 100+ points! 

If you are new to credit or have limited credit, then you should be able to increase your FICO score pretty quickly

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458 Credit Score Credit Card & 459 Credit Score Credit Card

All you need to do is choose some of our top credit-building tools

Generally, we recommend a Fingerhut online store card, at least two secured credit cards, and a few authorized user tradelines that have been opened for seven-plus years.  

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Check out our #1 choice for professional credit repair. 

If you really have nothing bad on your credit and you use the above credit tools, it is not uncommon or unheard of to see your FICO score rise into the 600 or 700 range within six months.

Take Action!

Hopefully, you found this article on the best credit cards for a 450 to 459 credit score helpful. 

While having a credit score in this range doesn’t give you a ton of options, as you can see there are still a handful of solid choices.

Getting a combination of these options are the best long term decision to building your credit and opening up future credit opportunities. 

Be sure to sign up for free Fingerhut online credit, and a couple of our top recommended secured credit cards to start building your credit today.

You may also find the following articles helpful if you are looking for bad credit personal loans (350 - 499 credit score) or deep sub-prime auto loans (350-579 credit score)

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