Easiest Credit Cards to Get (10 Options: Fair & Bad Credit)

credit card advice

Ashley Dull
By: Ashley Dull
Posted: January 11, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Technically, all credit cards are fairly easy to get – all that’s required is a simple online application and issuers will generally let you know if you’ve been approved or not within minutes.

But if your credit score is what’s making getting a credit card difficult, you still have plenty of good options available to you. And what’s best about these credit cards is that when you’re approved and you use the card responsibly, you’ll build your credit score and eventually all credit cards will be easier to get.

5 Credit Cards for Fair Credit

If your credit score is in the “fair” range (650-699) – meaning your credit is a little tarnished, but nothing that can’t be fixed – here are five good options that should be relatively easy for you to get. Many of these cards come with attractive offers such as unlimited cash back, rewards points good towards merchandise and travel, and no annual fee.

FAIR CREDIT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
Credit One Bank® Unsecured Visa® for Rebuilding Credit Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 25.24% Variable
$0 - $99
Fair
Credit One Bank® Unsecured Visa® with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

3.8/5.0
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 25.24% Variable
$0 - $99
Fair
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.8/5.0
  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 25.24% Variable
$0 - $99
Fair

+ See more credit cards for fair credit

5 Credit Cards for Bad Credit

If you credit score is in the “poor” range (below 649), you’ve got some work to do to get your credit back on track. These five credit cards are designed for poor credit applicants so they are easier to get approved for, and luckily, they’ll help you improve your credit when you pay your monthly bill on time and keep your credit utilization rate low.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuer Website
$0
Poor Credit

BAD CREDIT RATING

★★★★★
4.6

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.9/5.0
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See terms
See terms
Bad, Poor Credit
Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit
Pink NetSpend® Visa® Prepaid Card Review

at NetSpend'ssecure website

BAD CREDIT RATING

★★★★
4.4

OVERALL RATING

3.5/5.0
  • With Netspend Direct Deposit, you can get paid faster than a paper check
  • No late fees or interest charges because this is not a credit card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Get your tax refund direct deposited to your account and no more waiting in line to cash your check!
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
No Credit Check

+ See more credit cards for poor credit

Final Thoughts

With 10 credit cards to choose from, at least one of these options should be easy enough for you to get, and soon you’ll be on your way to a “good” and eventually “excellent” credit rating — then all cards will be easy to get!