What’s the easiest credit card to approve?

Credit cards are a convenient way to shop, pay bills, and book travel. As an added benefit, many credit cards offer cash back, points, or miles on your spending, which can save you money. A credit card can also help establish and build a good credit rating.

But what’s the easiest credit card to get when you have a limited credit history or bad credit? Here’s a closer look at what cards may be at hand.

Key points to remember

  • Credit card companies largely focus on credit scores when making approval decisions.
  • A credit card can be secure, which means it requires a cash deposit, or it can be unsecured, which means you don’t need to make a deposit.
  • It is possible to get approved for a credit card with no credit or with poor credit, but you can pay a higher APR and / or fees.
  • Unsecured credit cards generally offer better interest rates, rewards programs, and features compared to secured credit cards.

Credit card approval requirements

Credit card issuers differ in terms of what it takes to be approved. But generally, these factors are taken into account when you apply for a card:

  • Your credit rating
  • Your income
  • Your job
  • Your monthly rent or mortgage payment

These items give card issuers an idea of ​​your ability and likelihood of paying off what you spend with a credit card. Credit card companies can also do a thorough investigation of your credit report to learn more about your credit history. This can reduce your credit score by a few points.sese

To note

Checking your own credit reports before applying for a credit card will not affect your credit score.

What’s the easiest credit card to approve?

The easiest credit card to get is different for everyone as it will depend on your credit score and the other factors listed above. The credit cards available to you may also depend on:

  • You are a student
  • You have no credit or a poor credit history
  • You have bad or bad credit

If any of these apply to you, there are certain types of specialty credit cards that will be easier to obtain than others. They include student credit cards, starter credit cards, and secured credit cards.

Student credit cards

Student credit cards are designed for students who are just starting to build their credit history. These cards can offer rewards, and if they do, they are usually geared toward purchases that students spend the most money on, such as dining out or gasoline.

A student credit card may be easier to obtain than a regular card if you have no credit history or a limited record. Federal CARD law requires you to be at least 21 years old to get a student credit card in your name, although you can apply as early as 18 if you have sufficient income or a co-signer who is at least 21 years old. .sese

Starter credit cards

Starter credit cards are also designed for people who are new to credit but who are not necessarily students. These types of cards are more likely to charge an annual fee and have a higher Annual Percentage Rate (APR).

Secured credit cards

Secured credit cards work like unsecured credit cards except that they require a cash deposit to open. This deposit is usually your credit limit. The difference is that a standard secured credit card will usually require a thorough check of your credit to be approved. Once you’ve had a secure card for a while and have demonstrated that you use credit responsibly, you may be eligible to switch to a regular, unsecured card.


Before applying for a starter card or secured card, make sure the credit card company reports your activity to at least one of the major credit bureaus. Otherwise, using the card will not help you build credit.

What’s the easiest credit card to get without credit or with light credit?

Having no credit means you have no credit history. A thin credit history means that you have a good credit history, but it is not enough to generate a credit score. Either way, you may be “invisible” to the credit card companies when trying to apply for new credit.

In this case, the easiest credit card to obtain may be a starter card or a secured credit card. Here are examples of cards you may be eligible for:

  • OpenSky secure visa: The OpenSky Secured Visa is a non-credit card that is also a secured credit card. You can set your credit limit by making a cash deposit of $ 200 to $ 3,000, and your account activity will be reported to the three major credit bureaus.
  • First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secure Mastercard does not require a credit history or minimum credit score for approval. Your security deposit is refundable and the card is accepted nationwide.
  • Earn the EDU Mastercard for Students: The Deserve EDU Mastercard for students does not require a social security number to apply, so it could be good for international students.

What’s the easiest credit card to get with fair credit?

If you have fair credit, rather than no credit or bad credit, you might have a choice of a different range of credit card options. Fair credit on the FICO credit rating scale typically means a score between 580 and 669.

Here are some of the easiest credit cards to get with fair credit:

  • Capital One Platinum Mastercard: The Capital One Platinum Mastercard is for people with fair credit who want to improve their credit. This card has an annual fee of $ 0 and includes access to CreditWise credit monitoring.
  • Discover the Secure Card: The Discover it secure card can help you build or replenish your credit. A security deposit is required, but it is refundable. This card also has a cash back program.
  • One Platinum Rewards Visa Credit: The Credit One Platinum Rewards visa is designed for people with fair credit who want to earn rewards on their purchases. Keep in mind that this card has an annual fee and a higher APR which could make the balance costly.


If you are considering a credit card that offers rewards, be sure to balance the rewards you are likely to earn against the card’s annual fee (if applicable).

What’s the easiest unsecured credit card to approve?

Unsecured credit cards do not require any cash deposit to open. It is possible to get unsecured cards if your credit is in the right range, or even bad.

If your credit is low or no, consider these unsecured card options:

  • One Bank Platinum Visa Credit: The Credit One Bank Platinum Visa offers cash back with no security deposit required. However, this card is paid annually.
  • Total number of visas: The Total Visa is an unsecured credit card designed for people who don’t have perfect credit. The card reports to all three credit bureaus, which can help build a better credit history. Note that there is an upfront program fee for opening an account.
  • Petal 2 Visa: The Petal 2 Visa is a cash back rewards card that offers higher credit limits at no charge. No deposit is required during registration and you can use the card to create or replenish credit.

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