9 Easiest Credit Cards to Get

Easiest Credit Cards To Get

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 influence your credit score and determines your ability to obtain credit cards, loans, and other credit products.

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

Unsecured | Secured | Bankruptcy OK | FAQs

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 from your new card issuer is to report to the major credit bureaus. This will allow you to improve your credit score as you practice responsible credit card use.

Remember, paying your bill on time each month is the most important thing you can do to maintain a healthy credit score and demonstrate your financial responsibility. Our top three recommendations report to the major credit bureaus every month.

  • 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.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10
  • 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.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 24.99% – 29.99% (Variable) Yes 8.5/10

+See More Unsecured Credit Cards

For many, the major benefit of an unsecured credit card is that you don’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 may include an annual fee, monthly maintenance fee, and an initial processing or program fee, among other fees.

Easiest Secured Credit Cards to Get

By far the easiest credit cards 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 if they default on the balance, so the issuer has little of its own funding 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 on your deposit amount. Our top secured credit cards offer respectable credit limit ranges and report to the credit bureaus to ensure your payment history doesn’t go unnoticed.

  • 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
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 18.89% (variable) Yes 7.0/10
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 19.99% Variable Yes 8.5/10
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 16.99% (V) Yes 7.5/10

+See More Secured Credit Cards

The deposit required by secured cards may make some applicants nervous, but rest assured your deposit doesn’t simply disappear. The security deposit for your secured card will live in a locked savings account. When you close your account, your deposit will be returned to you in full.

Most issuers of secured credit cards will periodically (typically after six to 12 months) check your card account to see whether you qualify for an upgrade to an unsecured credit card.

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 Credit Cards to Get With a Prior Bankruptcy

Bankruptcy, the last-resort option for dealing with overwhelming debt, tarnishes your credit history for up to a decade. But while that bankruptcy ball-and-chain can make it difficult to find willing credit card companies, getting the credit you need to start rebuilding your financial future may be easier than you think.

In fact, some lenders are perfectly happy dealing with applicants who have discharged bankruptcies, essentially because you are less likely to — and, in some cases, unable to — go through bankruptcy anytime soon.

Our best credit card recommendations for after bankruptcy have flexible credit requirements and report to the credit bureaus to help you rebuild your credit.

  • 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.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10
  • 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.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
4 minutes See Provider Website Yes 9.0/10
  • 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
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 18.89% (variable) Yes 7.0/10

+See More Bankruptcy OK Credit Cards

The most important step when rebuilding credit history after bankruptcy is to pay your new credit card on time every month.

As your bankruptcy discharge ages, it will have less impact on your credit, and your recent payment history will become the dominant factor in your credit score. You should also maintain a low balance and avoid opening excessive new accounts.

What Makes a Credit Card Easy to Get?

Credit cards considered easy to get have lenient approval requirements. That means they accept poor credit scores, prior bankruptcies, and low incomes, among other things.

Secured cards are the easiest category of credit to be approved for because of their required security deposit. The deposit protects the card issuer if you miss a payment.

Some secured cards can be obtained without a credit check, providing nearly instant approval for anyone who meets the basic eligibility criteria. Two secured cards that don’t run a credit check include the Secured Sable ONE Credit Card and OpenSky® Secured Visa® Credit Card.

Sable is a cash rewards credit card, which means eligible purchases earn cash back rewards, and it also offers one of the lowest APRs of any credit card.

This is in stark contrast to unsecured cards for bad credit, which are not only harder to get approved for, but they charge excessive fees and offer few perks — you won’t see any balance transfer or intro APR deals with these cards.

Which Bank Will Issue a Credit Card Easily?

Many subprime credit card companies and banks are willing to issue cards to applicants who have poor credit, including:

  • PREMIER Bankcard
  • Credit One
  • Continental Finance
  • Bank of Missouri
  • Synchrony Bank

And even some big banks issue secured cards for building credit, such as:

  • Bank of America
  • Capital One
  • Citi
  • Discover
  • Wells Fargo

Note that some secured cards from big banks require an applicant to have at least fair credit for approval.

And then there are big banks that do not issue credit to subprime applicants, including:

  • American Express
  • Chase Bank

So while you may not get approved for a fancy card with Chase Ultimate Rewards Points or American Express Membership Rewards just yet, the easiest credit cards to get can help you improve your credit over time so you eventually qualify for a more prestigious card.

Can I Get a Business Credit Card With Bad Credit?

Yes, business credit cards are available for borrowers with bad credit, but they aren’t generally marketed as “easy to get.”

That’s because options are limited and you may have to put down a security deposit for approval. One such option is the Wells Fargo Business Secured Credit Card.

An unsecured business credit card is the Spark 1% Classic from Capital One, but it requires fair credit for approval.

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 pay on time. As your credit score improves so, too, will your credit options. With hard work and patience, you may one day find it easy to qualify for just about any credit card for excellent credit that catches your eye.

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