7 Simple Ways to Get a Credit Card Without a Job

If you’ve fallen on hard times financially and need a credit card to bridge the income gap, here are some ways to qualify.
Last updated Apr 7, 2020 | By Lindsay Frankel
Woman without a job looking for a credit card

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Layoffs, health issues, relocation, and a number of other factors can leave people without a job, and that can make it extremely difficult to make ends meet. It may also put you at risk of missing payments and winding up with bad credit.

While you should stick to strict budget during your period of unemployment, you may still need access to credit to get you through hard times. The catch-22 is that it can be difficult to qualify for a credit card without steady income.

Luckily, credit card issuers look at other sources of earnings besides employment, so you can often qualify if you get a public assistance check or receive money from a spouse or relative.

7 tips for getting a credit card without a job

Ultimately, you’ll want to secure enough income from employment or side gigs to achieve financial stability. But while you’re struggling with unemployment, a credit card can help you avoid more costly methods of borrowing, such as payday loans or pawn shops. Here’s how to get one, whether you have income or not.

1. Count all of your income

Eligible income sources vary by credit card issuer, but they often include things like:

  • Earned wages from part-time, full-time, or seasonal employment
  • Self-employment income
  • Interest or dividends
  • Retirement income
  • Public assistance
  • Money that someone else regularly deposits into an account for you to use

The income threshold you must meet may not be as high as you think, especially if you have a good credit score and don’t have debt.

To ensure the greatest likelihood of success, include all acceptable sources of income when calculating your total. Read the terms and conditions for the card you’re applying for to see what qualifies because you might be able to include things like alimony and child support.

2. Include your spouse’s income

The Ability to Pay provisions of the 2009 CARD Act stipulate that credit card issuers must verify your ability to meet monthly payments prior to approval for a card.

However, credit card issuers can include “any income and assets to which the consumer has a reasonable expectation of access.” This means, for example, if you share a joint account with your spouse or your spouse regularly deposits money into an individual account for you, you can count that amount as income for the purposes of most credit card applications.

3. Go with a cosigner

If the above income streams aren’t enough to qualify you, consider asking a family member or trusted friend with healthy credit to cosign a credit card application for you.

By cosigning, your friend or family member is agreeing to be responsible for your credit card debt in the event that you can’t pay it. This can help your chances of getting approved if you have a low income. But make sure that you’ll be able to meet the monthly payments or your cosigner will take on your debt as well, which could tank their credit score — and potentially harm your relationship with them.

You also want to see to it that you choose a cosigner who has good or excellent credit to decrease the risk of rejection. Additionally, pick someone who will continue to be responsible about making their payments on time.

Note that not all credit card issuers allow cosigners on applications. You’ll need to verify that it’s permitted or submit an application for a different card that does allow cosigners.

4. Become an authorized user

Another way to get access to credit without any income is to become an authorized user on someone else’s credit card. It’s usually free to add an authorized user on a credit card without an annual fee, and the primary cardholder can often set a spending limit for you if they’re worried about you running up their credit card bill.

As an authorized user, you’ll get a credit card that you can use to make purchases, but you won’t be responsible for the payments. This option is especially helpful for people who have poor credit or no credit history, since the status of the cardholder’s account affects your credit score. If the cardholder authorizes you to use an account in good standing, it can help you with building credit.

5. Consider a secured credit card

If you need to rebuild your credit or establish a credit history, a secured credit card is much easier to qualify for than an unsecured card.

With a secured credit card, you put down a refundable security deposit upfront, and that amount becomes your line of credit, or how much you could potentially spend. The deposit reduces the risk to the credit card issuer, which is why you’ll have a better chance of getting approved. The catch is that many secured credit cards have high interest rates with few perks, and some also have annual fees.

One option for a secured credit card with a $0 annual fee and a rewards program is the Discover it Secured card. You can earn 2% cash back on purchases at restaurants and gas stations (up to $1,000 quarterly), and 1% cash back on all other purchases. Plus, Discover will match your earnings for the first year.

You can decide the deposit amount up to the approved credit line. Discover will also automatically reevaluate you for a traditional credit card after eight months.

Another option is the Capital One Secured Mastercard, which allows you to get started with a small deposit of $49, $99, or $200, depending on your credit score. You’ll get a credit limit of at least $200, and that will increase after your first five on-time payments to your credit card account.

6. Apply for the Petal Cash Back Visa Card

If a secured credit card doesn’t sound like your style, then check out the Petal Cash Back Visa Card. Created by people who didn’t like the traditional criteria for credit approval, this card is a good option if your credit score is not-so-great or even non-existent.

That’s because Petal considers more than what the credit bureaus have to say about your financial situation. You can provide Petal with a greater picture of your income and expenses and apply for pre-approval without adding a hard inquiry to your credit reports.

You can save money by using the Petal Cash Back Visa Card too. You start out earning 1% unlimited cash back on all purchases, then 1.25% unlimited cash back on all purchases after 6 on-time payments, and finally 1.5% unlimited cash back on all purchases after 12 on-time payments. So it literally pays to practice good financial habits with this card.

The money you earn can be used as a statement credit or you can request a check. Petal’s planning and budgeting tools in their app can also help ensure you spend and schedule payments wisely while looking for your next gig.

Great Starter Card for Those With No Credit

Petal Cash Back Visa Card

Petal Cash Back Visa Card

Petal Cash Back Visa Card


  • Earn up to 1.5% cash back on all purchases
  • Great for those with little to no credit history
  • No annual fee
  • No foreign transaction fee

7. Try credit card alternatives

If you have a checking account, your bank will likely give you a debit card to use. If you don’t have one, you can purchase Visa gift cards or try an alternative card like the American Express Bluebird, which bills itself as an alternative to banking.

It allows you to access ATMs and provides you with Purchase and Fraud Protection. There are fees for certain transactions, but you can also use the card completely free if you know the rules.

The downside of these options is that you’ll only have access to the money that’s currently in your account. If you’re struggling and looking for a way to cover your expenses while you look for a job, these alternatives won’t help you.

The bottom line

Whether you’re looking to access credit or just protect your money while you’re unemployed, you have options. But remember that even the best credit cards don't provide free money, so you’ll need a plan to pay back what you owe. Add up your income sources and set a stringent budget, then try to pick up a side hustle while you look for a new full-time job.

No matter what led to your job loss, you probably won’t be unemployed forever. Keep your head up, work on your resume, limit your spending as much as possible, and keep practicing good financial habits so credit card issuers see you as having creditworthiness. Once you’re back in good financial shape, you may be able to apply for a rewards credit card with a higher credit limit, which could open the door to all kinds of opportunities.