Skip to content
RATING
Review

Easiest Credit Card to Get For Every Credit Score

Updated Sep 09, 2021 | Published Jul 03, 20186 min read

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

At a glance

Whether you’re working with poor, average, excellent, or even no credit scores, choosing a card that caters to your credit situation can help maximize your approval odds.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

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 excellent tools for establishing or rebuilding 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.

That means the easiest cards to get are secured cards, or cards designed for limited credit or no credit. Here are a few of the best credit cards for limited credit:

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.

Easiest Credit Cards to Get for Limited or No Credit History

If you’re just starting out and haven’t yet established a credit history, choosing the right card for building credit may seem like a challenge. But there are still quite a few cards available to you.

The easiest cards to get are typically secured credit cards, which require refundable security deposits to fund their credit limits. There are unsecured cards designed for no credit history, which you should check out first, but generally speaking you’ll have an easier time qualifying for secured cards, as they typically have low credit score requirements.

Certain card issuers will even conduct periodic automatic reviews that qualify cardholders for card upgrades if they’ve shown consistent responsible use with a secured credit account.

Some issuers, like Deserve, provide unsecured cards specifically for people with limited or no credit. Deserve will check more than the usual factors to determine your creditworthiness, like your education and career path.

When applying for cards like these you’ll have a better chance of approval if you’re well-paid and have good job prospects. This can show the issuer that you’ll be more likely to pay back your debts on time, even if you don’t yet have a credit history.

Insider tip

Take note that Deserve will need to connect to your bank account to verify your balance. If you have privacy or security concerns this might worry you, but it seems logical because Deserve bases its decision on more than just an applicant’s credit history.

Consider the following cards if you have limited or no credit. We’ve included the Journey Student Rewards from Capital One (Review) because it doesn’t require you to actually be a student, despite the name. And be sure to check out the easiest credit cards to get for bad credit below, as those cards could also be good options for your credit level.

Apply Now

securely on the issuer's website

Petal® 2 Cash Back, No Fees Visa® Card
Apply Now

securely on the issuer's website

  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR12.99 - 26.99% Variable
Journey Student Rewards from Capital One
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR26.99% Variable
Capital One Platinum Credit Card
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR26.99% Variable

Easiest Credit Cards to Get for Bad Credit

Unfortunately, credit cards for people with bad credit (roughly a FICO Score 8 below 579) generally have low credit limits and high interest rates.

So, if you have poor 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 line of credit, 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.

Discover it® Secured
  • Min. credit levelBad
  • Annual Fee$0
  • Purchase APRSee Terms
Capital One Platinum Secured Credit Card
  • Min. credit levelBad
  • Annual Fee$0
  • Purchase APR26.99% Variable
Apply Now

securely on the issuer's website

DCU Visa® Platinum Secured Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelBad
  • Annual Fee$0
  • Purchase APR13.75% Variable
Apply Now

securely on the issuer's website

Green Dot primor® Secured Visa® Platinum Card
Apply Now

securely on the issuer's website

  • Min. credit levelLimited Credit History
  • Annual Fee$39
  • Purchase APR19.99% Fixed
Apply Now

securely on the issuer's website

Indigo® Platinum Mastercard®
Apply Now

securely on the issuer's website

  • Min. credit levelBad
  • Annual Fee$0-$99
  • Purchase APR24.9% Fixed

Easiest Credit Cards to Get for Average or Fair Credit

If you have average or fair credit, you can move from secured cards (which require a deposit) to unsecured credit cards (which entrust you with a credit limit from the issuer, and often provide more compelling credit card offers all around).

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

Insider tip

Retail store credit cards tend to be relatively easy to qualify for as well, making them targets for people who want to build their credit. Be sure to carefully inspect the terms of any store card you want to apply for, and follow the rules of responsible card use so you don’t end up regretting your decision to apply for a store card.

Discover it® Cash Back
  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APRSee Terms
Capital One QuicksilverOne Cash Rewards Credit Card
  • Min. credit levelFair
  • Annual Fee$39
  • Purchase APR26.99% Variable
Apply Now

securely on the issuer's website

HSBC Cash Rewards Mastercard® credit card
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 14.99–24.99% Variable
Capital One Platinum Credit Card
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR26.99% Variable

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.

Apply Now

securely on the issuer's website

U.S. Bank Visa® Platinum Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0*
  • Purchase APR0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable

Rates & Fees

Apply Now

securely on the issuer's website

Citi® Diamond Preferred® Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 13.74% - 23.74% (Variable)

Citi is a Credit Card Insider advertiser.

Apply Now

securely on the issuer's website

Citi Simplicity® Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 14.74% - 24.74% (Variable)

Citi is a Credit Card Insider advertiser.

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.

Apply Now

securely on the issuer's website

Deserve Edu Mastercard
Apply Now

securely on the issuer's website

  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR18.74% Variable
Journey Student Rewards from Capital One
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR26.99% Variable
Bank of America Customized Cash Rewards™ Credit Card for Students
Apply Now

securely on the issuer's website

  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR0% for 15 billing cycles, then 13.99%–23.99% Variable
Discover it® Student Cash Back
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APRSee Terms

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.

The Jasper Cash Back Mastercard® (Review) is a bit different, designed specifically for professionals who are relocating to the U.S. (although anyone is welcome to apply). It doesn’t require an SSN to apply, but you’ll need to provide one later.

Apply Now

securely on the issuer's website

Capital One Spark Classic for Business
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR24.49% Variable

The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Jasper Cash Back Mastercard®
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR15.49%–24.99% Variable (based on creditworthiness)

The information related to Jasper Cash Back Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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:

How Do I Build Credit?

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 monthly 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.

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.

Was this helpful?
Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

Do you have a correction, tip, or suggestion for a new post? Contact us here.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

Scroll to top