The Ultimate Guide to Credit Cards
Thursday, December 8, 2022

23 Easy Approval Credit Cards by Category

Easy Approval Credit Cards

credit card advice

Aaron Crowe

Written by: Aaron Crowe

Aaron Crowe

Aaron Crowe is a seasoned journalist who specializes in personal finance writing and editing. Aaron has written for a variety of websites, including AOL, Learnvest, U.S. News & World Report, Wells Fargo, WiseBread, AARP, and many insurance and investing sites. He is a self-proclaimed storyteller who enjoys explaining — in layman's terms — personal finance and how it affects consumers’ lives. Aaron has several years’ experience working as both a reporter and editor in newspapers where he won several awards, including a Pulitzer Prize.

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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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Reviewed by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Advertiser Disclosure

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.

Here, we take an in-depth look at some of the best easy-approval credit cards available for a wide range of credit scores and an array of card types.

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

PREMIER Bankcard® Mastercard® Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Provider Website
See Provider Website
Fair/Poor
PREMIER Bankcard® Grey Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Provider Website
See Provider Website
Fair/Poor

BAD CREDIT RATING

★★★★★
4.6

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
28.49% (Variable)
$0
Limited, Bad

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 (No 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. It could also mean you’ve gone several years without an active account and are rebuilding credit from scratch —  and that’s OK.

These cards can help you get an active tradeline on your credit history to begin building credit:

NO/LIMITED CREDIT 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
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (Variable)
$0
Average, Fair, Limited

NO/LIMITED 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
28.49% (Variable)
$0
Average, Fair, Limited

NO/LIMITED CREDIT 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
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (Variable)
$0
Average, Fair, Limited

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

★★★★★
4.7

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
28.49% (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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (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% OR 36% (V)
As low as $85
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

★★★★★
4.9

OVERALL RATING

  • 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! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
Excellent/Good
Discover it® Balance Transfer Review

at Discover Card'ssecure website

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • 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! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
15.74% - 26.74% Variable APR
$0
Excellent/Good

GOOD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good

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 spending is to give a credit card to employees who make purchases for your company. But getting a business credit card with a poor credit history isn’t always an easy feat.

Capital One offers the Spark Classic for business owners with average credit, and several secured cards make viable business card alternatives. Put down a deposit to open an account and use it responsibly to build credit and graduate to more rewarding business credit cards in the future.

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
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
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.14% (variable)
$35
Poor

The two secured cards are near-instant approval credit cards, as neither one requires a credit check for approval.

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 be 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

★★★★★
4.8

OVERALL RATING

  • 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • 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 16.74% - 25.74% applies.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
16.74% - 25.74% 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
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (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
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (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 Credit Card Review

at Discover Card'ssecure website

BAD CREDIT RATING

★★★★★
4.5

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.
  • 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
26.74% Variable APR
$0
New/Rebuilding

BAD CREDIT RATING

★★★★★
4.6

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
28.49% (Variable)
$0
Limited, Bad
Destiny Mastercard® Cashback Rewards Review

at Destiny Mastercard®'ssecure website

BAD CREDIT RATING

★★★
3.0

OVERALL RATING

  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
35.9%
$175 the first year; $49 thereafter
Poor to Good

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 history.  All three cards below report payments to the credit bureaus.

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
28.49% (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
28.49% (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.
  • 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
26.74% Variable APR
$0
New/Rebuilding

Some secured cards offer low deposits, rewards, and lower APRs than unsecured cards for poor credit. Best of all, the deposit is fully refundable after a period of responsible use, so it’s a cheaper option than the typical subprime unsecured card, too.

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 — guaranteed approval isn’t really a thing when it comes to credit cards.

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 www.annualcreditreport.com and request a free copy of your credit report every from each credit bureau. Make sure all of the information on your reports is correct since wrong information can unfairly lower your credit 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 all 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 Credit Card. 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 the 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.

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 card such as the Target RedCard. Your activity will be reported to the credit bureaus and your credit score should improve over time. These cards generally have minimal approval requirements and will allow you to make purchases with low monthly payments.

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