Easiest Credit Card to Get For Every Credit Score

John Ganotis

John Ganotis | Blog

Jul 03, 2018 | Updated Aug 07, 2018

Whether you have always paid with cash or have made past credit mistakes, like missing payments, you might be tempted to eschew credit cards forever.

But credit cards are actually one of the best ways to rebuild or establish credit.

And though you probably won’t qualify for one with all the bells and whistles (yet!), we’ve compiled a list of the easiest credit cards to get.

What Are the Easiest Credit Cards to Get?

Long story short: the easiest credit card to get depends on your creditworthiness.

When you apply for a credit card, the card issuer will run a credit check as part of the application process.

It’ll obtain your credit history from one or more of the major credit bureaus, and will also review factors that aren’t on your credit reports (like your income).

If you have a strong credit history and income, you’ll probably qualify for several good options. But if you don’t, you’ll have to be a bit more selective about the cards you apply for.

To see which cards might be appropriate, you can check for pre-qualified card offers on the issuers’ websites. These offers are like invitations to apply — and your chances of getting approved are better than with other cards.

How to Build Your Credit

Credit cards can be a great, 100% free way to build your credit. If that’s your goal, start with our guide to building credit with credit cards.

Before applying for a credit card, you should be familiar with your credit scores and reports to see where you fall. (Here’s how to get a free credit score.)

Since credit scores indicate your creditworthiness, this information will help you see yourself from the credit card issuer’s perspective.

If your scores are not where you want them, work on building your credit. As we said, one of the best ways to do so is with smart use of credit cards: by paying your bills on time and in full every month.

Your credit card balances are reported to the credit bureaus each month and included on your credit reports, along with a report of whether you paid on time. A constant stream of timely payments will show that you’re a responsible borrower, and can follow the terms of a loan. This helps you establish a positive credit history (and increases your scores).

To get your credit scores even higher, avoid maxing out your card. When you have more available credit, you have lower credit utilization — and higher scores.

Easiest Credit Cards to Get for Bad Credit

Unfortunately, credit cards for people with bad credit (roughly a FICO Score 8 below 600) generally have low credit limits and high interest rates.

So, if you have bad credit, the easiest credit card to get is likely a secured credit card, which requires a refundable security deposit equal to the amount of the credit limit. Say you want a credit limit of $500 — you’ll need to give the issuer a $500 deposit.

If you want a higher credit limit, you may need to pay an additional deposit. It’s also worth noting that some secured cards charge annual fees.

Despite those downsides, secured credit cards are a great way to build your credit, because payments and other card activity go on your credit reports. (That’s in stark opposition to debit cards, which don’t build credit at all.)

You can still, however, get denied for a secured card. As an alternative, consider boosting your credit with a credit-builder loan first, and then applying for a credit card later.

Easiest Credit Cards to Get for Average or Fair Credit

If you have average or fair credit, you can move from secured credit cards (which require a deposit) to unsecured cards (which entrust you with a credit limit from the issuer).

After making sure you understand how credit cards work, visit our top picks for fair credit.

Easiest Credit Cards to Get for Balance Transfers

Want to transfer a balance to a new credit card? It should come as no surprise that your likelihood of approval still comes down to creditworthiness.

If you’re approved for a balance transfer credit card, your credit limit will be based on your income and credit history. That being said, even if your new credit limit isn’t big enough to cover the whole balance you’d like to transfer, you could still save money by transferring a portion to the new card. On the other hand, you could also transfer balances from multiple high-interest cards to one card with a balance transfer offer as long as your credit limit is big enough to allow that.

See our top picks for balance transfer credit cards here, or browse balance transfer credit cards here.

Easiest Credit Cards to Get for Students

In addition to all the other things college students need to worry about — student loans, laundry, finals — smart financial habits are a must.

Even if you have little or no credit established, you might qualify for these special cards for students. Just make sure you take your new responsibility seriously, as mistakes you make now could haunt you for years. Or, if you make wise financial choices now, you can reap the benefits for years to come with valuable credit cards and low interest rates.

Easiest Credit Cards to Get for Business Owners

Unless you’ve already established credit separately for your business, most credit card companies will require you to have great personal credit before they’ll issue your business a credit card.

For people with fair credit, there aren’t many business cards, but the Capital One Spark Classic (Review) is one good option. You may also be able to get a secured business credit card, which requires a deposit.

Easiest Credit Cards to Get for Excellent or Good Credit

When you have excellent credit, the world is your oyster. Not only will you have your pick of cards, you’ll usually receive a higher credit line and better terms.

Since there are so many options, we haven’t listed specific cards here — but you can choose from all types of cards, including:

Like everything in personal finance, the easiest credit cards to get depend on you and your situation (and, in this case, your credit reports). Find the card that works for you, pay your bill on time and in full, and enjoy watching your credit scores improve.

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