12 of the Easiest Credit Cards to Get (2017)

12 of the Easiest Credit Cards to Get ([current_year])
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Ashley Dull
By: Ashley Dull
Posted: September 5, 2017
BadCredit.org's popular "How-To" series is for those who seek to improve, rebuild or better understand their subprime credit rating.

Every day I surf the web, I am overcome with gratitude that video phones and YouTube weren’t around to chronicle the mistakes of my youth. Today, public gaffes and uploaded mistakes can live on the internet for years (if not forever).

In the financial world, your missteps and missed payments are chronicled not on social media, but in the data files of the three major consumer credit agencies, Equifax, Experian, and TransUnion. Collectively forming your consumer credit reports, the data collected by these agencies influences your credit score and determines your ability to obtain credit cards, loans, and other credit products.

When the mistakes of your youth, or simply the trials of your present, have caused your credit score to sink, it can be difficult — and feel impossible — to find the credit you need. Unfortunately, there’s no one-card-fits-all when it comes to credit cards. Instead, the easiest card to obtain will often be the one best suited to your individual needs, financial situation, and spending behaviors.

Unsecured | Secured | Bankruptcy OK | Store

Easiest “Unsecured” Credit Cards to Get

Although unsecured credit cards are typically the most difficult type of card to qualify for, you can take a lot of risk out of the equation by choosing the right issuer and card. Specifically, credit card issuers specializing in subprime credit applicants will offers cards with the lowest credit score requirements, making them easier to obtain than other unsecured cards.

If you’re using your card to rebuild bad credit, the key thing you’ll need your new card (or, rather, your new card issuer) to do is to report to the major credit bureaus. This will allow you to improve your credit score as you make on-time payments and practice responsible credit card use. Our top three picks report to all three credit agencies every month.

  • Checking account required
  • We may approve those currently building their credit history
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
6 minutes See issuer website Yes 9.5/10
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • 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
  • Fast, easy online application process and a quick decision
  • Not an access card
  • Click here for official site, terms, and details.
 
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
5 Minutes See issuer website Yes 9.0/10
  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Click here for official site, terms, and details.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes See terms Yes 8.5/10

+See More Unsecured Credit Cards

For many, the major benefit of an unsecured credit card is that you won’t need to make an initial security deposit to open the account. The cost of this benefit will come in other ways, namely through paying higher fees and interest rates than secured cardholders are charged. Fees can include the annual fee typical of most cards, as well as monthly maintenance fees and an initial processing or program fee.

Easiest “Secured” Credit Cards to Get

By far the easiest credit lines to obtain when you have bad credit, secured credit cards represent the lowest risk to issuers. This is because secured cards require an initial deposit that acts as collateral against the borrower defaulting on the balance, so the issuer has little of its own funding actually on the line.

While credit limits for unsecured cards are based almost entirely on your creditworthiness, the credit limit you are offered for a secured card will depend as much, if not more so, on your deposit amount as your credit score. Our top secured credit cards offer respectable credit limit ranges and report to all three credit bureaus to ensure your credit building doesn’t go unnoticed.

  • Credit lines available from $200 to $5,000. Super Low Fixed 9.99% interest rate on purchases - with no penalty rate.
  • No minimum credit score requirements. We invite all credit types to apply. No processing or application fees.
  • Helps strengthen your credit with responsible card use.  Reports to three national bureaus.
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Visa Gold Card details
  • Click here for official site, terms, and details
   
★★★★

4.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 9.99% Yes 9.0/10
  • Credit line secured by your fully-refundable deposit of $200-$2,000 submitted with application
  • Pay off your balance & get your deposit back any time
  • Monthly reporting to all 3 major credit bureaus to establish credit history
  • Not available in: NY, IA, AR, or WI
  • No credit history or minimum credit score required
  • See if you are pre-approved in 60 seconds or less
  • Click here for official site, terms, and details.
★★★

3.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 19.99% (V) Yes 7.5/10
  • Credit line secured by your fully-refundable deposit of $200-$2,000 submitted with application
  • Pay off your balance and get your deposit back any time.
  • Monthly reporting to all 3 major credit bureaus to establish credit history.
  • Not available in: NY, IA, AR, or WI.
  • No credit history or minimum credit score required.
  • See if you are pre-approved in 60 seconds or less.
  • Click for for official site, terms, and details.
★★★

3.0

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 9.99% (V) Yes 7.5/10

+See More Secured Credit Cards

The deposit required by secured cards often makes it the easiest type of credit card to get, but it can make some applicants nervous. However, rest assured your deposit won’t simply disappear. The security deposit for your secured card will live in a locked savings account, often drawing modest interest while it waits. When you close your account, your deposit will be returned to you in full.

Additionally, many issuers offering secured credit cards will periodically (typically after 12 to 18 months) check your credit-building progress, and automatically upgrade you to an unsecured credit card after your credit has improved. If your credit card is upgraded to an unsecured card, you should receive your full deposit back, usually either as a statement credit or a check.

Easiest “Bankruptcy OK” Credit Cards to Get

Bankruptcy, the option of last resort for dealing with overwhelming debt, not only crashes your credit score, but continues to weigh it down for up to a decade. But while that bankruptcy ball-and-chain can make it difficult to find a lender, finding the credit to start rebuilding may be easier than you think.

In fact, some lenders are actually perfectly happy to deal with applicants who have completed the bankruptcy process, essentially because you are less likely to — and, in some cases, unable to — go through bankruptcy anytime soon. Our top card offers for after bankruptcy have flexible credit requirements, and will report to all three credit bureaus to help you rebuild.

  • Checking account required
  • We may approve those currently building their credit history
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
6 minutes See issuer website Yes 9.5/10
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • 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
  • Fast, easy online application process and a quick decision
  • Not an access card
  • Click here for official site, terms, and details.
 
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
5 Minutes See issuer website Yes 9.0/10
  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Click here for official site, terms, and details.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes See terms Yes 8.5/10

+See More Bankruptcy OK Credit Cards

Perhaps the most important step when rebuilding after bankruptcy is to ensure you pay your new credit card on time each month. As your bankruptcy discharge ages, it will have less impact on your credit, and your recent payment history will become the dominant factor of your credit score. You should also maintain a low balance and avoid opening excessive new accounts while rebuilding.

Easiest “Store” Credit Cards to Get

Next to secured credit cards, store or retail credit cards are often the easiest credit card type to obtain due to the limited use of most store cards. Your typical retail credit card can only be used to purchase goods from the particular brand for which the card is issued; for example, the Fingerhut credit account can only be used to purchase goods through Fingerhut.com.

On the plus side, store credit cards often come with exclusive perks and rewards that can be quite valuable for regular shoppers. Our top store credit cards include options to earn rewards on every branded purchase, as well as providing the credit-boosting benefit of reporting to all three major bureaus.

  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • 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
  • Fast, easy online application process and a quick decision
  • Not an access card
  • Click here for official site, terms, and details.
 
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
5 Minutes See issuer website Yes 9.0/10

11. Kohl’s Charge Card

With more than 1,100 stores across 49 states, most consumers will likely have a Kohl’s nearby, though the Kohl’s Charge Card can be used to make purchases both in store and online. The reviews indicate credit scores as low as 570 may be approved, making the Kohl’s card one of the easier-to-obtain store cards.

Kohl's Charge Card

  • Pay no annual fee
  • Earn 1X point per dollar spent on Kohl’s purchases
  • Receive $5 Rewards Cash for every 100 points
  • Get exclusive offers and discounts

In addition to earning rewards on every purchase, you can get even more value out of your Kohl’s shopping by combining Kohl’s Cash and Yes2You Rewards with your Kohl’s Charge discounts.

12. JCPenney® Credit Card

In business for nearly 100 years, JCPenney has almost 1,100 stores around the country. Usable in-store and online to purchase thousands of products, the JCPenney® Credit Card is reportedly easy to qualify for, with one reviewer being approved with a particularly low score of 537.

JCPenney Credit Card

  • Pay no annual fee
  • Earn 1X point per dollar spent on JCPenney purchases
  • Receive $10 certificate for every 200 points
  • Get exclusive offers and discounts

The thing to watch out for with this card is the rewards point maximum, which caps your rewards at 2,000 points.

Build Your Credit to Open More Options

In the era of smartphones and social media, every John and Jane on the street has a camera in their pockets — and they’re not afraid to use them. Each embarrassing social stumble, short-sighted fashion choice, and inebriated mistake can (and, likely, will) live on forever on the world wide web.

Fortunately, the consumer credit world is a little more forgiving than your Facebook friends, and your financial mistakes will likely be forgiven years before you live down that publicly-posted reality show application video. In fact, negative marks on your credit report can only remain for seven years (up to 10 years for bankruptcies), after which time they no longer haunt your every credit application.

In the meantime, the absolute best thing you can do is to continue to pay down any existing debt, and always, always, always pay on time. As your credit score improves so, too, will your credit options. With hard work and a little time, one day you may find it easy to qualify for just about any credit card that catches your eye.