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

By: Ashley Dull • 8/13/2018

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Technically, all credit cards are fairly easy to get — all that’s required for most card’s these days is a simple online application, and issuers will generally let you know whether you’ve been approved 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 over time. With responsible credit card use, eventually all credit cards will be easier to get.

5 Credit Cards for Fair Credit

If your credit score is in the “fair” range (FICO Score of 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 to qualify for regardless of your score (though there are no guarantees). Of course, that doesn’t mean you should apply for more than one at a time, let alone all of them at once.

One or two credit lines — used responsibly — are a good way to start building a positive payment history and improving your credit score. Too many new cards all at once, however, can be asking for trouble. Not only will the initial hard inquiries cause your score to drop, but loading yourself with multiple credit lines to keep track of, each with its own due date and account, can make it harder to keep up with your debts.

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 Dull is the Editor-in-Chief of CardRates.com and BadCredit.org, where she works closely with industry leaders in all sectors of finance to develop authoritative guides, news, and advice articles read by millions of Americans. Her expertise lies in credit cards and rewards programs as well as credit reports and how credit scores affect all aspects of consumerism. She is often asked to serve as an expert source on financial topics for national media outlets, such as CNN Money, MarketWatch, Money Matters, ABC News, and NBC News, and has recurring contributions to several leading finance websites. Connect with Ashley on Twitter and LinkedIn.