From Yahoo Finance: 2025-05-22 14:46:00

If you’re jobless, using unemployment insurance and savings can help, but getting a credit card may be an option. Assess your financial situation before applying. A secured credit card can be good for building credit, while a 0% APR card can offer a temporary interest break if you have good credit and savings.

Even without a job, you can get a credit card if you have income from various sources. Credit card issuers will evaluate your credit history and debts. Consider alternatives like becoming an authorized user, getting a secured credit card, or applying for an alternative credit card like Petal 1. Be cautious of high APRs and annual fees.

Some smaller card issuers may allow a cosigner, but major ones typically don’t. Before applying for a credit card without a job, assess your goals and financial situation. A new card may not be the best choice for covering essential expenses in dire circumstances. Consider alternatives to build credit or qualify for a 0% APR card.

Read more: Can you get a credit card with no job?