The Ultimate Guide to Credit Cards
Monday, September 21, 2020

10 Easiest Credit Cards to Get Approved For

Easiest Cards To Get Approved For

credit card advice

Eric Bank
By: Eric Bank
Updated: March 31, 2020
Advertiser Disclosure

You’re approved!

Doesn’t that have a nice ring to it? Qualifying for a credit card is one of life’s little victories. To help you achieve that triumphant feeling, we’ve identified the 10 easiest credit cards to get approved for.

These cards offer you your best shot at approval, whether your credit is fair, bad, or non-existent. If you’d like to establish or build your credit, one of these cards may be the perfect answer to your credit needs.

Bad Credit | Students | No/Limited Credit | Balance Transfers
Secured | Unsecured | Prepaid | Store | Business
FAQs

Easiest Card to Get Approved for with Bad Credit

The Surge MasterCard® is designed to help you rebuild your credit by reporting your payments to the major credit bureaus. You can pre-qualify in less than 60 seconds by filling out a short form that includes your Social Security number and total monthly income.

In addition to a quick pre-approval process for those with bad or fair credit, the card offers a free credit score and monthly reporting of your payment history to the major credit bureaus.

Surge Mastercard® Review

at Celtic Bank'ssecure website

  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit

To receive approval, you must be a U.S. resident and at least 18 years old.

Easiest Unsecured Card to Get

The Milestone® Mastercard® from the Bank of Missouri is geared to consumers with “less than perfect” credit. It does not require a security deposit and promises to give you an instant approval decision.

Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at the issuer'ssecure website

UNSECURED RATING

★★★★★

4.5

OVERALL RATING

3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Bad, Poor Credit
The card’s credit limit is $300 minus the annual fee it charges. To qualify, you must be at least 18 years old with a physical U.S. address (excluding West Virginia), a valid U.S. IP address, and a Social Security number.

In addition, you must meet the issuer’s credit and income criteria as detailed in your credit reports and other sources. You are not eligible if you already have a Milestone® Mastercard®, have been delinquent with any account in the last 30 days, have applied for the card within the last 60 days, or have ever had the card charged off.

Easiest Student Card to Get

To qualify for the Discover it® Student Cash Back card, you must be a college student, at least 18 years old, and enrolled in a two- or four-year college or university.

3. Discover it® Student Cash Back

This card is currently not available.

Student Rating

★★★★★

N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
To receive approval, you must authorize Discover to contact you via phone or text. Discover will perform a hard pull of one or more of your credit reports from the national credit bureaus and use them and other sources to verify the information on your credit application. That means you must authorize Discover to contact your bank and employer (if any).

Easiest Card to Get Approved for with No Credit

The Capital One® Secured Mastercard® is our top choice for an easy-to-get card when you have no credit history. To qualify, you must provide a refundable security deposit of $49, $99, or $200, which will serve as collateral for a $200 credit limit.

You can make a larger initial deposit, up to $1,000, if you want a higher credit limit. You must have a bank account from which you can fund your deposit.

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad

To be approved, your application must be verified by Capital One and you must reside in the United States or a U.S. military location (excluding correctional institutions). Your monthly income must exceed your mortgage or rent payment by at least $425. In addition, you must be age 18 or older and possess a valid Social Security number.

You won’t be approved if you have an unresolved bankruptcy, already have two or more Capital One credit cards, or have a Capital One card that is past due, over its limit, or has been charged-off within the past year.

Easiest Balance Transfer Card to Get

The Discover it® Secured card requires you to deposit cash collateral with Discover Bank in an amount equal to your credit line. You must be a U.S. resident, 18 or older to qualify, and you must authorize Discover to perform a hard pull of your credit reports and to contact your employer, bank, and other information sources.

You must also allow Discover to contact you via text or phone.

5. Discover it® Secured

This card is currently not available.

Secured Rating

★★★★★

N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The security deposit account is FDIC insured. You can’t add or withdraw funds from the account, and you cannot be involved in any bankruptcy proceedings or lawsuits that may impact your security deposit account.

Easiest Secured Card to Get

The OpenSky® Secured Visa® card bends over backward to make approval easy. For starters, it does not subject applicants to credit checks, which means that your credit score will not be negatively impacted.

Your security deposit, which can range from $200 to $3,000, is equal to your credit limit. The card reports your payments to the three major credit bureaus to help you build credit.

OpenSky® Secured Visa® Credit Card Review

at Capital Bank'ssecure website

SECURED RATING

★★★★

4.0

OVERALL RATING

2.9/5.0
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.39% (variable)
$35
Poor

Qualified applicants will be U.S. citizens or permanent residents, at least 18, with a Social Security number or Individual Taxpayer Identification number. You must have sufficient monthly income to cover all expenses, including card payments.

You’re not eligible if you’ve applied four or more times in the last 60 days for a Capital Bank credit card. Also, you can’t have more than one Capital Bank credit card.

Easiest Prepaid Card to Get

The NetSpend® Visa® Prepaid Card is a cinch to obtain because you don’t need a bank account, don’t have to submit to a credit check, and don’t have to maintain a minimum balance. It costs $9.95 to buy the card at a retail location, but there’s no fee at other purchase sources.

Your deposited funds are maintained in an FDIC-insured account at MetaBank®.

NetSpend® Visa® Prepaid Card Review

at Netspend'ssecure website

PREPAID RATING

★★★★★

4.7

OVERALL RATING

3.6/5.0
  • 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.
  • No Overdraft Fees on purchases using your 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).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card " for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Up-to $9.95 monthly
Not applicable

As a prepaid account, you need not worry about overdraft fees, as you can only spend the amount on deposit. To qualify, you must be 18 or older, be able to prove your identity, and can lawfully enter into contracts in your state of residence. You can’t obtain the card if you reside in Vermont.

Easiest Store Card to Get

The Fingerhut Credit Account allows you to charge purchases from this online merchant and its partners. No minimum credit score is required, but you must reside in the United States and be at least 18 years old.

You must have a Social Security number and sufficient income to make monthly payments. You’re not eligible if you are in bankruptcy, are past due on a Fingerhut loan account, or are in credit counseling.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★

4.3

OVERALL RATING

4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit

You may be eligible for a Fingerhut Fresh Start Installment Loan if you don’t qualify for the credit account. To get the loan, you must deposit at least $30 and make an initial purchase of at least $50. If you repay the loan on time (within six to eight months) you’ll be switched to the Fingerhut Credit Account.

Easiest Business Card to Get

You can use the Capital One® Spark® Classic for Business to build and strengthen your business credit. To be eligible, you must reside in the United States or a U.S. military location (excluding correctional institutions).

Furthermore, you must be at least 18 years old and have either a Social Security number or Individual Taxpayer Identification number.

9. Capital One® Spark® Classic for Business

This card is currently not available.

Business Rating

★★★★★

N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Capital One will reject your application if you’ve been approved for a Capital One card within the past six months, have five or more Capital One cards, any of your Capital One cards is over its limit or past due, you had a Capital One credit card charged off in the past year, or are currently in bankruptcy, among other contingencies.

What is the Easiest Credit Card to Get Approved For?

Without a doubt, secured credit cards are the easiest to obtain. By depositing cash collateral, you reduce the issuer’s credit risk.

This facilitates easy approval and relatively low APRs. We’ve recommended three secured cards in this article.

Unsecured vs Secured Credit Cards

Our top choice is the OpenSky® Secured Visa® card, which doesn’t require a credit check to obtain. You can get the card with a refundable deposit as small as $200 or as large as $3,000. Your credit limit equals the amount you deposit.

This card is great for building credit because it reports your payments to all three national credit bureaus — Experian, TransUnion, and Equifax. In fact, 99% of cardmembers who initially had no credit score built one within six months.

Also, you must live in the U.S., have a Social Security number, and be at least 18 years of age. Previous interactions with Capital Bank may disqualify you from getting this card.

We also recommend the Capital One® Secured Mastercard® if you have no credit history. Your initial card limit will be $200, requiring a deposit of $49, $99, or $200. You can subsequently increase your deposit, and credit line, to $1,000.

To qualify for this card, you must be a U.S. resident, age 18+, with sufficient monthly income and a valid Social Security number. You may be disqualified due to previous experiences with the issuer.

Finally, we recommend the Discover it® Secured card if you are looking to consolidate your credit card debt via balance transfers. You must be 18 or older, reside in the United States, and not be in active bankruptcy proceedings.

What is the Easiest Unsecured Card to Get Approved For?

A leading issuer of easy-to-obtain unsecured credit cards is The Bank of Missouri. It offers a trio of credit cards with similar characteristics, all designed for consumers with bad or no credit.

Should You Get an Unsecured or Secured Card?

In this review, we recommend the Milestone® Mastercard® as an unsecured card that’s easy to get. It accommodates bad credit consumers by limiting the initial credit limit to $300 and charging an annual fee that further reduces your credit limit.

To qualify, you must be 18 or older, live in any of 49 states (not West Virginia) or Washington, D.C., and have valid physical and email addresses. Previous interactions with the issuer may disqualify you from receiving approval.

We also like two other cards from the Bank of Missouri that are not included in this review. They are the Total Visa® Card and the First Access Visa® Card.

Their approval requirements closely mirror those for the Milestone® Mastercard®. Both provide an initial credit limit of $300 and charge an annual and a one-time setup fee. Plus, after the first year, they charge a monthly servicing fee.

We would be remiss if we didn’t give props to the Fingerhut Credit Account, which we judged easiest to obtain among store cards and cards for consumers with bad credit. There is no minimum required credit score, and you’re likely to be approved unless you have credit history containing serious derogatory items.

But, even if you’re turned down for this account, you can still qualify for the Fingerhut Fresh Start Installment Loan. If you pay off the loan on time, you’ll be upgraded to the credit account.

What is the Minimum Credit Score Needed for a Card?

There is no set minimum score to obtain a credit card. Instead, cards are categorized by credit rating, i.e., excellent, good, fair, bad, and no/limited credit.

FICO Score® Ranges

FICO credit scores range from 300 to 850, with scores below 580 considered to be bad. But you can get a type of credit card that ignores credit scores. Typically, these include secured, student, and prepaid cards.

Our top secured card for consumers with no credit is the Capital One® Secured Mastercard®. It’s easy to acquire because it’s secured by your cash deposit of $49 to $1,000. The minimum credit line is $200.

Requirements for this card are typical in terms of age and residency. Your monthly income must be at least $425 more than your monthly rent or mortgage payment. The biggest obstacle is that you cannot already have two or more Capital One cards.

Two other secured cards are similarly easy for bad- or no-credit consumers to obtain. The Discover it® Secured card is a good choice for folks with credit scores below 660 who are not currently in bankruptcy proceedings.

But the winner in terms of availability among secured cards is the OpenSky® Secured Visa® that explicitly does not perform credit checks. The security deposit can range from $200 to $3,000. The only real hurdles involve your previous experience with the card issuer.

Students can get the Discover it® Student Cash Back card without any credit score or history. You just have to demonstrate that you are at least 18 years old and enrolled in a two- or four-year school.

Though not included in this review, the Discover it® Student chrome is equally easy to obtain. It differs only in the cash back it offers, but both of Discover’s student cards offer friendly introductory terms for first-time card users.

The NetSpend® Visa® Prepaid Card doesn’t require a credit check because it’s not a credit card. You simply load cash into the prepaid account and forget about overdraft fees or bank accounts. You must be 18+ years old and have proof of identity.

Ranking Methodology

Our rankings of the easiest credit cards to get approved for evaluated the approval criteria of more than 130 credit cards to determine the top 10. We looked at the ease of approval in each respective category and payment reporting to the credit bureaus to help applicants improve their credit scores with responsible card use.

CardRates’ reviews undergo a thorough editorial integrity process to ensure that content is not compromised by advertiser influence.

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