You may be unemployed, but the good news is that you don’t need a job to get a credit card. If you’re unemployed, you’ll want to get a secured credit card. These are the easiest types of credit cards to obtain if you’re unemployed. Many of the cards on this list are secured credit cards. This means that you pay a refundable security deposit that equates to your credit limit. You pay what you can afford. This is a great way to stay on top of your finances and to make sure you’re not spending more than you can budget for.

It’s a good idea to keep track of your finances and expenses when you’re unemployed to make sure you’re not digging yourself into any major debt. These are the best credit cards for unemployed people to help you get back on track while you’re looking for a new job.

Discover It Secured

There’s no annual fee on the Discover It Secured card, and you’ll get two percent back when you spend $1000 at restaurants and gas stations. Because it’s a secured credit card, you’ll need to make a refundable minimum deposit of your choosing – the amount you can afford. It’s also a real credit card that will help you build credit over time and match all of the cash back at the end of the first year.

HSBC Gold Mastercard

One of the best perks about this credit card for unemployed people is that they’ll waive the late fee once every 12 months. There’s no penalty APR and a zero percent introductory APR for 18 months. There’s no annual fee and no foreign transaction fees. You can save money on high-interest balances and consolidate your debt.

Citi Double Cash Rewards

You’ll get two percent on every purchase with one percent cash back when you buy. If you pay for those purchases, you’ll get an additional one percent. All you have to do is pay the minimum back on time. There’s no annual fee and a zero percent intro APR on balance transfers for 18 months.

Bank of America Cash Rewards

This credit card offers a $200 cash rewards bonus offer after you spend $1000 within the first 90 days of getting the credit card. You’ll get three percent cash back in the category of your choice, two percent cash back at grocery stores, and one percent elsewhere. There’s no annual fee. If you’re a Preferred Rewards member, then you’ll get 25%-75% more cash on every single purchase. This is a great credit card where you can reap cash rewards.

OpenSky Secured Visa

The OpenSky Secured Visa has a $35 annual fee and no credit check to apply. You can make a secured deposit for as low as $200. This credit card allows you to build up your credit, which is a perk especially if you’re unemployed. There’s a three percent foreign transaction fee, so be mindful with this card if you’re using it abroad.

Just because you’re unemployed doesn’t mean you can’t reap the benefits of a credit card! Since many of these credit cards have little or no annual fee, tons of rewards, and plenty of chances for cash back, you’ll be able to build up your credit and use a credit card while you’re unemployed.