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

By: Ashley Dull • June 2, 2017

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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.

+ 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.

+ 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!

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Ashley Dull

Ashley is the Finance Vertical Manager at Digital Brands, Inc., where she oversees content published on CardRates.com and BadCredit.org. Ashley works closely with experts and industry leaders in every sector of finance to develop authoritative guides, news, and advice articles with regards to audience interest. Connect with Ashley on Twitter and LinkedIn.