Easy-to-Get Credit Cards

John Ganotis

John Ganotis | Blog

Mar 05, 2018 | Updated Mar 06, 2018

The easiest credit card to get depends on your creditworthiness. When you apply for a credit card, the credit card issuer will run a credit check as part of the application process. They’ll get your credit history from one or more major credit bureaus. The bank will also consider other factors that aren’t on your credit reports, like your income.

The best credit cards for you depend on what you’re looking for in a card. You may be able to qualify for more than one good option, especially if you have good credit and income.

Many issuers will mail you pre-qualified offers, or let you check for those card offers on their website. These can help you narrow down your options, since it can mean a bank has already pre-screened your credit before making you one of these offers.

For Bad Credit

Credit cards for people with bad credit (roughly a FICO Score below 600) generally have low credit limits and high interest rates compared to cards for people with better credit histories.

If you have bad credit, the easiest card to get is likely a secured credit card, since you may not qualify for any unsecured cards. A secured card usually requires a security deposit equal to the amount of the credit limit. If you want to raise the credit limit, you may need to make an additional deposit. Also, you may only be able to get a card with an annual fee.

Even if you are willing to pay an annual fee and put down a deposit, you may still get denied for a secured card. As an alternative, you may want to build up your credit with a credit builder loan first, then apply for a credit card later.

Discover it® Secured Credit Card
Apply Now

Discover it® Secured Credit Card

For People with
Bad Credit

  • Annual Fee: $0
  • Interest Rate: 24.24% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back at restaurants and on gas - up to $1,000 per quarter.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Capital One® Secured Mastercard®
Apply Now

Capital One® Secured Mastercard®

For People with
Bad Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% Variable
Quick Card Facts
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Wise
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
DCU Visa® Platinum Secured Credit Card
Apply Now

DCU Visa® Platinum Secured Credit Card

For People with
Bad Credit

  • Annual Fee: $0
  • Interest Rate: 12.75% Variable
Quick Card Facts
  • No annual fee
  • Extended Warranty
  • Travel Insurance
  • Build credit with this card and graduate to a better one
Deserve Classic Mastercard
Apply Now

Deserve Classic Mastercard

For People with
No Credit

  • Annual Fee: $39
  • Interest Rate: 24.49% Variable
Quick Card Facts
  • Build credit history
  • No security deposit or co-signer required
  • Credit limit up to $1,500
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits
primor® Secured Visa Classic Card
Apply Now

primor® Secured Visa Classic Card

For People with
No Credit

  • Annual Fee: $39
  • Interest Rate: 13.99% (Fixed)
Quick Card Facts
  • Credit lines available from $200 to $5,000! Low fixed 13.99% 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.
Indigo® Platinum Mastercard®
Apply Now

Indigo® Platinum Mastercard®

For People with
Fair Credit

  • Annual Fee: $0 - $99
  • Interest Rate: 23.90%
Quick Card Facts
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Deserve Classic Mastercard
Apply Now

Deserve Classic Mastercard

For People with
No Credit

  • Annual Fee: $39
  • Interest Rate: 24.49% Variable
Quick Card Facts
  • Build credit history
  • No security deposit or co-signer required
  • Credit limit up to $1,500
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits

For Average or Fair Credit

If you have average or fair credit, you’ll have fewer options, but there are still unsecured credit cards for which you might be able to get approved. See our top picks for fair credit here.

Deserve Pro Mastercard
Apply Now

Deserve Pro Mastercard

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 17.49–24.49% Variable
Quick Card Facts
  • More cash back on the things you enjoy the most: 3% on travel/entertainment, 2% on restaurants & 1% on all other purchases
  • No annual fee
  • Credit limit up to $10,000
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits
Discover it®
Apply Now

Discover it®

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 11.99%–23.99% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 11.99%–23.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Capital One® QuicksilverOne® Cash Rewards Credit Card
Apply Now

Capital One® QuicksilverOne® Cash Rewards Credit Card

For People with
Fair Credit

  • Annual Fee: $39
  • Interest Rate: 19.99%, 23.99% or 26.99% Variable
Quick Card Facts
  • 1.5% cash back on every purchase, every day
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • $39 annual fee
  • No foreign transaction fee
  • Purchase and balance transfer APR of 19.99%, 23.99% or 26.99% Variable
Capital One® Platinum Credit Card
Apply Now

Capital One® Platinum Credit Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% Variable
Quick Card Facts
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Wise

For Excellent or Good Credit

Cards for people with excellent credit will generally have a higher credit line and better terms. We haven’t listed specific cards here, since there are so many options. At this level, you have your pick of many rewards cards, including:

For Balance Transfers

If you’re looking for a balance transfer card, your likelihood of approval still comes down to creditworthiness. Even if you can get approved, the credit limit you get will be based on your income and credit history. If the credit limit you’re approved for is not big enough to cover the whole balance you want to transfer, you may still be able to save some money on interest.

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

The Amex EveryDay Credit Card
Apply Now

The Amex EveryDay Credit Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%–25.24% Variable
Quick Card Facts
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 14.24% to 25.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
BankAmericard® Credit Card
Apply Now

BankAmericard® Credit Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 13.49%–23.49% Variable
Quick Card Facts
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.74%–22.74% Variable APR.
  • No transfer fee for the first 60 days, then 3% (minimum $10)
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Citi® Diamond Preferred® Card
Apply Now

Citi® Diamond Preferred® Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%–24.24% Variable
Quick Card Facts
  • Get a 0% Intro APR on Balance Transfers for 21 months. After that, the APR will be 14.24%–24.24% Variable based upon your creditworthiness.*
  • Get a 0% Intro APR on Purchases for 12 months.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
Chase Slate
Apply Now

Chase Slate

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 16.49%–25.24% Variable
Quick Card Facts
  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
  • 0% Intro APR for 15 months on purchases and balance transfers. After that, 16.49% - 25.24% variable APR.
  • See monthly updates to your FICO® Score and the reasons behind your score for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

The information for Chase Slate has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

For Students

Credit card companies design special cards for students. These cards are for people with limited or no credit history established.

Deserve Edu Mastercard
Apply Now

Deserve Edu Mastercard

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 20.24% Variable
Quick Card Facts
  • 1% unlimited cash back on ALL purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $49)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required (No SSN required for international students)
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
  • Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Extended Warranty and Car Rental Collision Damage Waiver
Capital One® Journey® Student Credit Card
Apply Now

Capital One® Journey® Student Credit Card

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% Variable
Quick Card Facts
  • Earn 1% cash back on all purchases, pay on time and that goes up to 1.25% cash back
  • Higher credit line after making first 5 payments on time
  • No annual fee
  • Made for students with limited or no credit
  • 24.99% APR for purchases and balance transfers
  • No foreign transaction fees
Bank of America Cash Rewards™ Credit Card for Students
Apply Now

Bank of America Cash Rewards™ Credit Card for Students

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 12.99%-22.99% (Variable)
Quick Card Facts
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% – 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25%-75%. Click “Apply Now” to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Discover it® for Students
Apply Now

Discover it® for Students

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%–23.24% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Citi ThankYou® Preferred Card for College Students
Apply Now

Citi ThankYou® Preferred Card for College Students

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 13.99%, 18.99%, or 23.99% (Variable)
Quick Card Facts
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Earn unlimited ThankYou Points with this card, and they never expire
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee

For Business Owners

Unless you already have credit established separately for your business, most banks will want to see that you have great personal credit in order to issue your business a credit card. There aren’t many options for people with fair credit who want to get a business credit card, but one option is the Capital One Spark Classic (Review). You may also be able to get a secured business credit card, which requires a deposit.

Capital One® Spark® Classic for Business
Apply Now

Capital One® Spark® Classic for Business

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 24.24% Variable
Quick Card Facts
  • Enjoy no annual fee
  • Build business credit with responsible use with eligibility for an automatic credit line increase
  • Earn 1% cash back on every purchase, every day
  • Separate business expenses from personal expenses
  • $0 Fraud Liability if your card is ever lost or stolen
  • Get additional employee cards for no cost
  • Enjoy business benefits like Year-End Summaries and experienced small business customer service

Building your credit

Your credit scores are indicators of your creditworthiness. Many cards provide a free FICO score, VantageScore, or both. You can usually access this free credit score in the card’s mobile app or on your monthly bill. If you’re trying to build up your credit, you’ll probably want to find at least one card that offers a free credit score, so you can monitor your progress as you build credit.

A prepaid card does not build credit. Neither does a debit card. If you want to learn more about how to build credit, read our guide here.

Here’s the short version: Pay your bills on time and in-full every month. Regular monthly payments on a credit card get reported on credit reports, which helps you establish credit history. Credit scoring models like to see more available credit, so to maintain the highest credit scores keep your credit utilization low.

 

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