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This question is about Easiest Credit Cards to Get Approved For
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WalletHub, Financial Company
@WalletHub
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Some of the easiest unsecured credit cards to get are the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Fortiva® Mastercard® Credit Card because you can get approved even with bad credit. The Credit One Visa offers a $300 starting spending limit, while the Fortiva Cash Card offers $350.
Easiest Unsecured Credit Cards to Get Approved For
Credit One Bank® Platinum Visa® for Rebuilding Credit- Fortiva® Mastercard® Credit Card
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One SavorOne Student Cash Rewards Credit Card
- Capital One Spark Classic for Business
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
If you have limited credit or better, you might be able to easily get approved for an inexpensive starter credit card with no security deposit.
To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.
This answer was first published on 10/30/17 and it was last updated on 05/20/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One SavorOne Student Cash Rewards Credit Card
- Capital One Spark Classic for Business
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
If you have limited credit or better, you might be able to easily get approved for an inexpensive starter credit card with no security deposit.
To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.
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Another good card is Kohls department store charge card, It has no fees other than late payment fees and can help you to build credit while allowing you to shop at their store and repay debts in installments.
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
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Easiest Credit Cards to Get
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Easiest to Get
OpenSky® Plus Secured Visa® Credit Card
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Easiest Unsecured Card to Get
Indigo® Mastercard® for Less than Perfect Credit
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No Annual Fee
Petal® 2 Visa® Credit Card
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Rewards
Capital One QuicksilverOne Cash Rewards Credit Card
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Celia George, Member
@celiag_2
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While you still have bad credit (which I did at one time), you are going to have to pay a fee to get an unsecured card. And I paid those fees. I never, even with my 537 credit score - never had a secured card.
I went with the cards for bad credit, with fees and high interest, and very low limits. I charged, and immediately paid them off. It is now two years later, and I have any card that I want - and a 749 credit score. I would never get a secured card - the unsecured are too easy to get. The high fees are your cost of rebuilding your credit... just my two cents worth.
This answer was first published on 05/30/18 and it was last updated on 07/11/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Kay Trine, Member
@kay_trine
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You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.
This answer was first published on 01/30/18 and it was last updated on 11/21/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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@chandan_mishra: You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.
People also ask
Can I get an unsecured credit card with a 500 credit score?
Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card. This card offers a $300 starting credit limit, the potential for automatic credit line increase, and rewards on select purchases. The annual fee is $75 for the 1st year...
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What are the best unsecured credit cards to rebuild credit with?
The best unsecured credit card to rebuild your credit with is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card reports to the three major credit bureaus each month, starts cardholders off with a $300+ credit limit, and has a reasonable annual fee. Plus, it offers 0 - 1% cash back on eligible purchases, accepts people with bad credit, and will make sure you pre-qualify before doing a hard credit check.
Another good option to consider is the Fortiva® Mastercard® Credit Card. It gives 3% cash back on eligible...
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What credit score is needed for an unsecured credit card?
You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.
Easiest Unsecured Credit Cards to Get
- Cash Back:Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
- No Minimum Credit Score:Milestone® Mastercard®Milestone® Mastercard®Learn MoreLearn Moreon issuer's website
- High Approval Odds:Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
- No Upfront Fees:Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
- No Checking Account Needed:Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More
What to Do if Your Credit Score is Below 550
If your credit score is below the 550 threshold needed to...
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Spencer E Razo, ASE CERTAFIED AUTO TECH.
@autodude56
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Credit one has my wrong account number wrong paydates and they are hard to dispute BOTTOM LINE IS CREDIT ONESUCKS
This answer was first published on 01/16/22 and it was last updated on 01/25/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Submit a complaint against the bank with the, "Consumer Financial Protection Bureau (CFPB)".
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chucky0940, Member
@chucky0940
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Citibank... Secured Credit Card. No Fee. Got it with 550. Now at 599 after a month!
This answer was first published on 02/22/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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