The Ultimate Guide to Credit Cards
Tuesday, June 28, 2022

18 Easiest Credit Cards to Get in 2022

Easiest Credit Card To Get

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Asking the question, “What is the easiest credit card to get?” is a bit like asking, “What’s the best diet to lose weight?” Both questions will return a huge number of responses, most of which will be starkly different — and few of which will be the right advice for everyone.

Instead, the easiest credit card for any given consumer to get will vary based on each individual’s specific credit profile and personal needs. For example, the easiest credit card to get as a student will be very different from the easiest credit card to get when you have bad credit.

In this article, we’ll look at the potentially easiest cards to get for those with fair credit and bad credit, as well as secured cards, student cards, business cards, and store credit cards.

Fair Credit | Bad Credit | Secured | Student | Business | Store

Easy Credit Cards to Get With Fair Credit

Whether you’re building your credit for the first time or rebuilding credit after a few mistakes, most consumers will have fair credit at some point in their lives. While the options aren’t quite as limited with fair credit as they would be if your credit score were lower, they’re not the bells-and-whistles cards you’d get with better credit, either.

In general, the easiest cards to get with fair credit will be the bare-bones starter cards; the ones without annual fees can be great for building credit, though, if you’re able to pay an annual fee, you can also likely find a card with purchase rewards. Just make sure the rewards are worth the fee before applying.

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Fortiva® Mastercard® Credit Card Review

at Fortiva'ssecure website

FAIR CREDIT RATING

★★★★★
4.6

OVERALL RATING

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†
  • † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% Variable
As low as $85
Fair

+See More Cards for Fair Credit

Easy Credit Cards to Get With Bad Credit

While the exact scores that qualify as bad vary based on the specific scoring model, typically, a credit score that falls below 600 will land you in the bad credit score category. At this point, most mainstream credit card companies will be wary of offering you an unsecured credit card, limiting your choices quite a bit.

That said, options still exist, particularly if you’re willing to put up with a few limitations. For instance, if you want an unsecured card, a closed-loop store card or pricey subprime card will be your choices.

Surge Mastercard® Review

at Celtic Bank'ssecure website

UNSECURED RATING

★★★★★
4.7

OVERALL RATING

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
See website for Details
24.99% – 29.99% (Variable)
See website for Details
See website for Details*
Reflex Mastercard® Review

at Celtic Bank'ssecure website

UNSECURED RATING

★★★★★
4.6

OVERALL RATING

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% - 29.99% (Variable)
See Terms
Bad, Fair, or No Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at Indigo® Mastercard®'ssecure website

UNSECURED RATING

★★★★★
4.6

OVERALL RATING

  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good

+See More Cards for Bad Credit

Easy Secured Cards to Get Approved For

Secured credit cards are by far the easiest type of credit card to obtain, particularly if you have a poor or limited credit history. That’s because secured credit cards require a cash deposit that acts as collateral for the account, meaning the credit card issuer doesn’t have to risk its own money to approve your credit line.

With less risk, issuers are more willing to be flexible about credit scores and income, often offering better rates, lower fees, and higher credit limits than other cards for the same credit demographic. What’s more, your secured credit card deposit is fully refundable when you close your account with a $0 balance.

SECURED RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • 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

SECURED RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Discover it® Secured Credit Card Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.7

OVERALL RATING

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
23.74% Variable APR
$0
New/Rebuilding

+See More Secured Credit Cards

Easy Student Cards to Get Approved For

Although obtaining a credit card without a credit history can be difficult, students tend to have an edge here; many issuers offer student cards specifically designed to help young people establish and build their credit profiles.

These cards have flexible credit requirements that allow for the limited credit history typical of a college student. This allows applicants to obtain a student credit card with lower fees and better perks than they may otherwise qualify for without a credit history.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

  • No credit score required to apply.
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74% applies.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
13.74% - 22.74% Variable APR
$0
Fair/New to Credit

STUDENT RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.24% - 25.24% (Variable)
$0
Average, Fair, Limited

STUDENT RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.24% - 25.24% (Variable)
$0
Average, Fair, Limited

+See More Student Credit Cards

Easy Business Cards to Get Approved For

If consumers with poor or limited credit find it challenging to get approved for a credit card, small businesses in the same credit boat will likely find it significantly more difficult. Most business credit cards will look at not only your business’s credit profile, but also your personal credit profile. If neither is up to snuff, obtaining a card will be hard.

This can be especially true when your business is just starting out or lacks the revenue to qualify for most business credit lines. Unsecured credit cards will be rare in this case, but secured cards may hold the answer.

13. 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

One of the few unsecured credit cards designed for businesses with fair or limited credit, this card not only charges no annual fee, but it also comes with unlimited cash back on your purchases, no categories required. Plus, you’ll pay no foreign transaction fees, and you can also get free employee cards.

OpenSky® Secured Visa® Credit Card Review

at Capital Bank N.A.'ssecure website

SECURED RATING

★★★★★
4.5

OVERALL RATING

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.64% (variable)
$35
Poor

Though not technically a business card, this card is often cited in lineups for easy-to-get business cards. That’s because you can secure your credit limit with a refundable security deposit. On-time payments will help lift your poor credit score so you’ll qualify for more lucrative business card offers in the future.

15. Wells Fargo Business Secured Credit Card

The Wells Fargo Business Secured Credit Card is similar to a consumer secured card in that you’ll need to make a cash deposit to open the card and secure your credit line. The minimum deposit amount is $500, but qualified applicants can deposit up to $25,000 for a larger credit line.

Wells Fargo Business Secured Credit Card

  • Earn 1.5% cash back on every purchase made with your card, redeemable as a statement credit or check
  • Access credit lines from $500 to $25,000
  • Pay $25 annual fee

While the card charges a small annual fee, you can obtain up to 10 employee cards at no extra cost. Plus, you won’t pay any foreign transaction fees for purchases in a foreign currency.

(The information related to Wells Fargo Business Secured Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

Easy to Get Store Cards to Get Approved For

A frequently recommended route for finding easy-to-get credit cards is to go with a store credit card. Most major retailers now offer their own co-branded cards, many of which offer purchase rewards or store discounts.

At the same time, many store credit cards are closed-loop, meaning they can only be used to make purchases with the specific brand that co-issued the card. This also applies to the rewards you earn with these cards — they can typically only be used toward branded purchases.

16. Target RedCard

The Target RedCard is a solid option for Target shoppers, and reports indicated consumers with scores as low as 580 have been approved for the card. Unlike typical rewards cards, you’ll earn 5% off at the register instead of earning cash back to be later redeemed.

Target RedCard™

  • Get 5% off your total purchase at checkout for eligible in-store or online Target purchases
  • Receive exclusive deals & discounts
  • Pay no annual fee

Keep in mind that the discount does not apply to prescriptions or over-the-counter items located behind the pharmacy counter, Target Optical™ eye exams, gift card purchases, or certain restaurant merchants in store (though the discount was recently extended to newer stores with a Starbucks).

17. Amazon.com Store Card

The Amazon.com Store Card is reported to be fairly easy to obtain for a variety of credit types. You’ll get the best value out of this card if you’re also an Amazon Prime member, as Prime members earn cash back at a higher rate on Amazon.com and Whole Foods purchases.

Amazon.com Store Card

  • Receive special financing on eligible Amazon.com orders of $149 or more made with your card
  • Amazon Prime members also get 5% cash back at Amazon.com
  • Pay no annual card fee (Prime fee may apply)

Watch out for this card’s special financing offers; while they seem like a good deal, they use deferred interest, which means you’ll need to pay off every last financed cent or else you’ll be on the hook for interest on the entire financed amount.

18. Old Navy Credit Card

The Old Navy Credit Card offers rewards at Old Navy stores and online, as well as with other Gap Inc.-brand stores. It takes 500 points to earn a $5 Reward.

Old Navy Credit Card

  • Earn 5X points per dollar on purchases at Old Navy and other Gap Inc.-brand purchases
  • Reach Navyist status by earning 5,000 points
  • Pay no annual fee

One thing to keep in mind with this card is that rewards are capped at $250 per billing cycle. Rewards earned beyond the monthly cap will be rolled over into the next billing cycle.

+See More Store Credit Cards

How Do You Choose a Credit Card?

If you’re on the hunt for a card that’s easy to get, chances are you are dealing with some credit issues that make approval questionable with most prime issuers. As such, choosing a card may come down more to what’s available than what you really want out of your card.

That being said, even in the limited- and bad-credit card markets, you’ll likely have some options. Here are a few things to investigate when comparing credit cards:

  • Application/Processing Fees: Some cards, especially cards from subprime issuers, may charge a fee simply to apply for the card or to open the account.
  • Annual Fees: Some cards can be worth the annual fee, but others won’t be — do the math before you apply.
  • Maintenance Fees: Many subprime cards will charge monthly maintenance fees on top of the annual fee.
  • Grace Period: Most cards should provide a grace period on interest for new purchases of at least 21 days; check the terms and conditions to be sure.
  • Interest Rates: If you ever carry a balance, you should know what it’ll cost you. Check the new purchase, balance transfer, cash advance, and penalty APRs before applying.
  • Purchase Rewards: Even consumers with bad credit can find cards with purchase rewards, but make sure the rewards are worth any annual fees.
  • Cardholder Benefits: Most credit cards come with additional cardholder benefits that can include things like extended warranty coverage and purchase protection.

In the end, if you’re only looking for a card to build your credit so you can apply for better and more valuable cards in the future, then you don’t need a card with a lot of bells and whistles. Simply choose the least expensive option and use it responsibly for six months or so, then graduate to a better card.

How Do You Build Credit with a Credit Card?

For many folks, a credit card is simply a convenient way to make purchases in-store and online — and, perhaps, a way to earn some rewards while they’re at it. But, when used responsibly, credit cards can be a great tool for building credit for consumers with poor or limited credit histories (and anyone else, too).

Credit bureaus keep a record of your card account, including your total credit limit, balance, when the card account was opened, and whether your paid on time.

The basics of building credit with a credit card consist of just using the card to make your normal purchases, then pay the balance in full and — most importantly — on time every month. If you pay in full each month, you typically won’t be charged interest, and the positive payment history will boost your score.How to Build Credit with a Credit Card

At the very least, make the minimum required payment (but, ideally, more) before the due date each month. While not the best strategy for saving money, it will build your payment history.

If your sole credit card goal is to build credit, then you can take this method and set it on auto-pilot. Essentially, all you need to do is use the card to automatically pay a monthly recurring charge, such as a streaming service or your cellphone bill.

Then, set up automatic payments for the card through your bank account so that the bill is paid each month without you needing to do a thing. Automatic payments mean you won’t have to worry about making late payments, as the bank makes the transaction for you each month. (Of course, you’ll still want to double-check your accounts to ensure nothing went wrong with the payment.)

What is Credit Card Pre-Approval or Pre-Qualification?

Given that any credit card can be easy to get if your credit is good enough, it’s sometimes hard to tell which cards are actually attainable. Pre-approved or pre-qualified credit card offers can be an easy way to get an idea as to whether you’ll be approved for a certain card before you apply — and before the hard inquiry hits your credit reports.

Screenshot of Capital One Pre-Approval Page

Many issuers will let you check for pre-approval offers to get an idea of your approval chances.

Pre-approval or pre-qualification is a credit card issuer’s way to getting an idea of your qualifications without going through a full hard credit inquiry. Instead, pre-qualification uses a soft credit pull that won’t hurt your credit scores.

At the same time, because pre-approval applications don’t look at your credit report as deeply as does a regular application, being pre-approved for a credit card offer doesn’t guarantee you’ll be accepted when you apply.

Other factors, including your income and your history with the bank, can impact your chances of being approved.

Credit Cards Don’t Have to Be Hard to Get

In today’s digital economy, credit cards are a big part of how millions of Americans make purchases. But some folks have a harder time than their neighbors when it comes to getting new credit cards. Consumers with poor or limited credit histories can find getting a new card to be a challenging experience.

The easiest credit card to get will depend on your specific creditworthiness, so knowing where you stand can go a long way in finding the right card. You can get a free copy of each of your credit reports once per year through AnnualCreditReport.com.

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