27 Easy-Approval Credit Cards by Category

27 Easy-Approval Credit Cards by Category

credit card advice

Aaron Crowe
By: Aaron Crowe
Posted: July 9, 2019
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

Having a financial life without a credit card is possible, but it isn’t easy. A credit card makes online purchases fast and simple, and it beats carrying loads of cash to a store. Using a credit card smartly can improve a credit score, and the higher the score, the more likely you are to get the best terms on car and home loans, among other things.

Being approved for a credit card isn’t always easy, especially if you have bad credit or none at all. You aren’t born with a credit score stamped on your credit report. It’s something that you earn, and starting with a credit card that you’re most likely to be approved for with the score you currently have is a wise way to start working to improve your score.

By Credit Score: Bad Credit | No/Limited Credit | Fair Credit | Good Credit
By Card Type: Business | Student | Rewards | Secured | Retail
FAQs

Easy-Approval Cards for Bad Credit (300-579 Score)

Credit scores go as high as 850. If you’re at the low end — between 300 and 579 — your credit is considered “bad.” Experian has estimated that 16% of Americans have poor or bad credit.

Still, credit cards that cater to people with bad credit are available. Using such a card well by paying the bill on time and making at least the minimum payment each month will improve your score over time, as these card providers report monthly to the three major credit bureaus. You may have to pay an annual fee, a monthly service fee, or a security deposit to be approved.

BAD CREDIT RATING

★★★★★
4.7

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
  • 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
26.99% (Variable)
$0
Limited, Bad
Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

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
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
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 credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program 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

If you have bad credit, you probably already know it without having to check a credit report. Creditors may be denying you credit, landlords may not accept you as a tenant, and you may even have difficulty signing a cellphone contract. But with responsible use of an easy-approval credit card for bad credit, you can begin to rebuild your credit and earn back the trust of lenders.

Easy-Approval Cards for No/Limited Credit (0 Score)

Credit card companies realize that consumers must start their credit profile somewhere. Starting at zero with no credit score at all or scant credit history can be a sign that you’re either just starting your financial life as a student, a recent college graduate, or have never used credit before, and that’s OK.

NO/LIMITED 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
26.96% (Variable)
$0
Average, Fair, Limited
Discover it® Student Cash Back Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
15.24% - 24.24% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING

★★★★★
4.6

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
15.24% - 24.24% Variable
$0
Fair

These cards can be used to build a credit history — hopefully, a good one — that within a year or so should allow you to move to the next level of credit where you’ll receive lower interest rates, better terms, and richer rewards.

Easy Approval Cards for Fair Credit (580-669 Score)

If your credit score is in the fair range, you’re still considered a subprime borrower and are unlikely to get the best interest rates, but you’ll still get better rates and terms than consumers with bad credit. Some of these cards allow applicants to pre-qualify online by providing some basic information, such as their contact information and total monthly income. It should take less than a minute to fill out the online form and it won’t affect your credit score.

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
26.96% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.96% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24%-26.24% Variable
$0 - $99
Fair

Seeing if you’re pre-approved online can save you time when applying for credit cards because you’re getting an idea whether you’re likely to qualify for the card before you fill out an application. You may also get a prequalification letter in the mail as a way to put you in the sales funnel for a company’s credit card.

Once you’ve achieved a fair credit score, it’s not a far step to reach the next level of credit scores where you’re likely to see competitive interest rates and better rewards.

Easy-Approval Cards for Good Credit (670+ Score)

This is where being approved for a credit card is much easier. Many more cards are available to people with good credit, and some issuers target consumers with credit scores of 670 or better with the hope that their first card at this level will be one they keep for a long time.

The online application process is the easiest part of getting a credit card with good credit. You may be immediately approved and will likely get better perks and rewards for using these cards.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
14.24% - 25.24% Variable
$0
Good/Excellent

GOOD CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent

GOOD CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent

Having good credit means you’re less likely to be delinquent on a credit card account in the future. Credit card companies try to gain these good customers by offering rewards such as cash back, signup bonuses, and travel benefits, with no foreign transaction fees or annual fees, among other perks. You can also add family members to your card so you can rack up more rewards points.

Easy-Approval Business Cards

As an entrepreneur, one way to earn more rewards for your business expenses is to give a credit card to employees who make purchases for your company. Like many other credit card categories, some cards are meant specifically for business owners, including startups.

BUSINESS CARD RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
25.24% (Variable)
$0
Average, Fair, Limited

14. Wells Fargo Business Secured Credit Card

The Wells Fargo Business Secured Credit Card is aimed at businesses with past credit challenges and for businesses with little to no business credit history. The card can help establish or rebuild business credit with Wells Fargo.

Wells Fargo Secured Credit Card

  • Earn 1.5% cash back on every $1 spent
  • Earn 1 point on every $1 spent and receive $1,000 bonus points when your company spends $1,000 or more in any monthly billing period
  • $0 annual rewards program fee, but there is a $25 annual fee per card

The secured card’s credit line is $500 to $25,000, depending on how much money you deposit.

(The information related to the 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.)

15. BBVA Secured Visa® Business Credit Card

The BBVA Secured Visa® Business Credit Card is another secured card aimed at new business owners. It is secured by a minimum opening deposit of $500 that can be increased at any time in $100 increments.

BBVA Secured Visa® Business Credit Card

  • No annual fee for the first year, then $40 per year
  • Available credit is 90% of your savings account balance
  • Free employee cards with set spending limits for each employee
  • Manage your account online and download 24 months of statements

The card is only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico.

Easy-Approval Student Cards

Few students have credit histories. Credit providers know this and offer cards to students that often have flexible approval requirements, low fees, and student-centered perks to help them build good credit while in college.

You must at least 18 to get a credit card. If you’re 21, you don’t have to have a cosigner or independent income.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
15.24% - 24.24% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
15.24% - 24.24% Variable
$0
Fair

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.96% (Variable)
$0
Average, Fair, Limited

Of course, having a credit card as a student doesn’t mean you should use it for things you can’t afford. Using it wisely and paying the bill off each month will help you establish a good credit score, which is invaluable for life after college.

Easy-Approval Rewards Cards

This is where credit cards can get interesting. If your credit score is good enough to get you a credit card that offers rewards, then you can get free flights, hotel rooms, and cash back, among other perks. Some rewards credit cards are aimed at beginners, or those working their way back up the credit ladder, such as those below.

Discover it® Secured Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.5

OVERALL RATING

3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
25.24% Variable
$0
N/A

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.96% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Platinum Visa® with Cash Back Rewards Review

at the issuer'ssecure website

FAIR CREDIT RATING

★★★★
4.3

OVERALL RATING

3.8/5.0
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24%-26.24% Variable
$0 - $99
Fair

Be sure to determine if the value of the rewards outweigh any annual fees. And remember that paying interest on balances will make those perks less valuable.

Cash back is probably the best reward because you can spend it any way you want. But there are other ways to get the most out of rewards credit cards, such as using the card for all of your spending and knowing when your rewards points expire.

Easy-Approval Secured Cards

Secured credit cards use money you deposit into the account as collateral to secure the line of credit. They’re usually used by subprime borrowers or people with thin credit files.

Payments on secured credit cards are reported to the credit bureaus, so paying the bill on time each month and doing other things to improve your credit should help you establish a good credit profile.  All three cards below report payments to the credit bureaus.

SECURED RATING

★★★★★
4.9

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
  • 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
26.99% (Variable)
$0
Limited, Bad
Discover it® Secured Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.5

OVERALL RATING

3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
25.24% Variable
$0
N/A
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
19.64% (variable)
$35
No credit check

If you don’t want to deposit money for a secured card, or can’t afford to, there’s another option to getting a credit card with the retail cards detailed below.

Easy-Approval Store Cards

If you frequent one retailer often, it can be worthwhile to get its credit card. Most store credit cards can only be used by the retailer it’s tied to. A big benefit is that cardholders can typically get discounts, such as 20% off or more on your first purchase with the card. Ongoing discounts may also be offered.

Retail cards are usually easier to apply for than typical credit cards and come with lower credit limits and higher interest rates. Store cards can also build credit since their payment history is generally reported to credit bureaus.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

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
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit

26. Amazon Store Card

The Amazon Store Card has special financing offers on all Amazon orders of $149 or more. You pay no interest if paid in full within six, 12, or 24 months as applicable.

Amazon.com Store Card

  • Join Amazon Prime and your card is automatically upgraded to the Amazon Prime Store Card, which gives 5% back on Amazon purchases
  • Zero fraud liability
  • No annual fee

Interest will be charged from the purchase date if the balance isn’t paid in full within the promotional period. Minimum monthly payments are required.

27. Target REDcard

If you often shop at Target, a Target REDcard offers 5% off every purchase online or in the store. Cardholders also get early access to special products and promotions.

Target REDcard

  • Free 2-day shipping at target.com on qualified purchases
  • Check your balance, make payments, and review statements online
  • 30 extra days to return purchases made with your REDcard
  • No annual fee

Applicants who don’t qualify for the Target REDcard may instead qualify for its debit card, which ties directly to your checking account.

FAQs About Easy-Approval Credit Cards

The lower your credit score is, the harder it is to be approved for a credit card with good rewards, a low interest rate, and no annual fee. Knowing which credit card you’re likely to be approved for before you apply for one can save you time and make approval easier. Keep in mind, however, that being pre-approved for a credit card doesn’t guarantee you’ll be approved for that card.

Credit cards for all kinds of credit scores and profiles are available, including unsecured cards for bad credit, secured cards for no credit, beginner cards for students, and even rewards cards. You’re bound to have a credit card match out there, you just have to narrow your options down from the hundreds available.

What is the Easiest Credit Card to Get?

The easiest credit card you can get depends on your credit score. The higher it is on the range of 300 to 850, the better chance you have of being approved. Even having no credit can be easy to get a secured credit card with if you’re willing to pay a deposit for a line of credit.

The cards we’ve listed above should be the easiest to get if you meet the criteria listed for each card. If you have a job and don’t use more than 30% of the credit limit available to you — called a credit utilization ratio — then you should be able to get some type of credit card.

If you don’t want to pay a security deposit for a secured credit card, look for an unsecured card that doesn’t have an annual fee or monthly maintenance fees.

Unsecured vs Secured Credit Cards

Remember, the easiest credit card to get is one that you have the best chance of being approved for. That’s why we made this list, so you can find a card that fits your credit score.

If you don’t know your credit score, go to annualcreditreport.com and request a free copy of your credit report every 12 months from each credit reporting company. Make sure all of the information on your reports is correct since wrong information can lower your score. Disputing incorrect information on a credit report is worth your time and can be done for free.

What Credit Cards Can I Get with Bad Credit?

You are considered to have bad credit if your credit score is between 300 and 579. You may still be able to get a credit card, though it won’t have the same benefits as cards aimed at consumers with good credit.

Expect to have a minimal credit line — as low as $200 — and no rewards, unless you go with a secured card that offers cash back, such as the Discover it® Secured. Some credit cards for people with bad credit do have high credit limits, however.

Here are some ways to improve your credit score with a credit card:

  • Use the card regularly so that there’s enough data to calculate a score.
  • Pay on time. Follow the monthly due date and this will increase your score more than anything else.
  • Pay the balance off each month. This will also increase your score and will save you money by not paying interest on a monthly balance.
  • Keep your credit utilization low, to about 7% if possible. It should be no higher than 30% of your credit limit.
  • Read your statements carefully to track charges and accuracy. If something is wrong, resolve it quickly.
  • If you’ve just made a big charge, pay it off early before the bill comes so that it doesn’t affect your credit utilization.

Once you understand the five factors used to determine a credit score, it’s easier to manage credit to the best of your ability.

Can You Be Denied a Pre-Approved Credit Card?

If you’re getting credit card offers in the mail that say you’re pre-approved for a card, then it’s likely the credit card issuer has sent you a prescreened offer after it obtained a list of consumers who met its initial credit criteria from the credit bureaus.

This doesn’t mean you’re guaranteed to be approved for that credit card. Your application may still be rejected based on updated information you provide and if anything has changed, such as your income, credit score, or other financial information.

Your approved credit limit and interest rate may also be affected based on the information you provide.

Why do I Need a Security Deposit for a Secured Credit Card?

Without a credit score (or a poor one), a creditor will likely consider you a high risk for an unsecured credit card — a card that doesn’t require a security deposit. To offset that risk, credit providers will require a security deposit to be paid in exchange for a secured credit card. It’s like loaning yourself money, though with an interest rate if you carry a balance.

Here are some other things to know about secured credit cards:

  • A $300 deposit is common, though they can range from $200 to $2,000 or more.
  • You’ll often be able to use 90% of the deposit as a credit line.
  • You may be able to add to the deposit to increase your credit limit.
  • The deposit will be refunded when you close the card, minus any balance due.
  • Just like other credit cards, secured cards are reported to credit bureaus and affect credit scores.
  • Pay on time and your credit score will likely increase.

You may wonder how a secured card is different from a debit or prepaid card. Debit and prepaid card usage aren’t reported to credit bureaus, so they do not appear on your credit reports and won’t affect your credit score. This is a big deal if your goal is to build credit.

How Do I Apply for a Store Card?

Store card applications are some of the easiest credit card applications around. More often than not, you’ll be asked by a store clerk at checkout if you’d like to apply for the store’s credit card.

Applying will often get you an immediate 20% discount or better, and it should only take minutes to be approved. It’s easy to get approved for a store card because the card will likely charge a higher interest rate — possibly as high as 30% — than a credit card that can be used anywhere.

Store cards can only be used at the store they’re affiliated with, though some may be tied to a group of stores. Store cards also often charge deferred interest.

Screenshot of Amazon.com Credit Card Special Financing Page

Watch out for deferred interest, which is charged by many store cards, including the Amazon.com Store Card.

This is often used to finance a large purchase, such as a furniture set, that you pay off over time. If you pay off the balance during the special financing period, you won’t have to pay any interest.

If you don’t pay it off during the special financing period, however, you’ll pay retroactive interest back to when you first made the charges on the card. This can be very expensive and is a good incentive to make monthly payments to pay it off in full before the financing period expires.

Many Cards are ‘Easy to Get’ if You Know Where to Apply

Applying only for the credit cards you know you qualify for is the key to being approved. Why waste your time applying for cards that you have little chance of being approved for and placing a hard inquiry on your credit report unnecessarily?

Here are some tips for applying for a card that’s right for you:

  • Bad credit score of 300-579: Look for cards that cater to people with bad credit. Don’t expect low interest rates and high rewards.
  • No credit or a student: If you’re in college, you should be able to find credit cards that cater to students. If you have no credit, consider starting with a secured credit card that requires a deposit to set your credit limit.
  • Fair credit score of 580-669: Fill out a pre-approval form online to see if you’re likely to be approved for a credit card in this range. Most cards offer these on the issuer’s website.
  • New business owner: If you’re just starting out and don’t have much revenue to show or lack business credit history, a secured business card may be the easiest to get in the beginning.
  • Rewards cards: You likely won’t get the best credit card rewards until your credit score is considered “good” at 670 or better. For lower scores, you’ll probably have to pay annual fees or higher interest rates to get rewards.

If everyone is still turning you away for credit, try a store credit card. Your activity will be reported to the credit bureaus and your credit score should improve over time. The Fingerhut Credit Account has minimal approval requirements and will allow you to make purchases with low monthly payments.