The Easiest Credit Cards To Get

Credit cards are convenient and allow you to earn rewards on things you buy every day. Plus, when you use it responsibly, credit cards can help you build your credit. 

Even if you don’t have any credit history or your credit score is low, you can find a credit card that’s right for you. Investopedia explains the best credit cards for your situation. 

Getting Approved For A Credit Card 

Lenders have different restrictions when it comes to credit card approval. Usually, though, they will assess your:


  • Credit score
  • Income
  • Employment
  • Housing bill


These factors give lenders insights into your creditworthiness and ability to repay what you borrow. Keep in mind that a credit card issuer can make a hard inquiry when checking your history, negatively impacting your score.

Credit Cards With The Highest Approval Ratings

There’s no one-size-fits-all when it comes to getting approved for a credit card. How easy it is to get approval depends on the factors mentioned above, as well as:


  • Whether or not you are a student
  • Your credit history
  • If you have less-than-ideal credit


If you fall into any of these categories, the most accessible credit cards are for students, starter cards, or secured cards.

Student Credit Cards

These credit cards are specifically for university students with little to no credit history. Some have rewards programs for common student expenses like gas or dining. 

Starter Credit Cards

Like student cards, starter credit cards are meant for those with limited credit. However, you don’t need to be a student to get one. The main difference between these credit cards is that starter cards typically come with an annual fee and higher APR.

Secured Credit Cards

To get a secured credit card, you pay an initial deposit that the lender usually keeps for a certain period. Generally, this deposit is also your credit limit. Secured credit cards require a hard credit inquiry, but the lender might upgrade you to an unsecured credit card if you use it responsibly.

Best Credit Cards For Those With Little To No Credit

Without a credit history, lenders can’t tell how likely you are to pay them back. Consequently, they may be more hesitant to offer approval. You can still get a credit card, but consider applying for a secured or starter card until you build your credit. 


These credit cards offer the best chances of approval for those with little to no credit:


  • OpenSky Secured Visa: This secured card requires no credit inquiry and a deposit of $200 to $3,000. Visa will report your account activity to the three major credit agencies.
  • First Progress Platinum Elite Secured Mastercard: Likewise, this card does not require a credit check, and you will receive your deposit at the end of the term if you use the card responsibly. 
  • Deserve EDU Mastercard for Students: This credit card does not call for a Social Security number, making it ideal for international students.


Best Credit Cards For Those With Fair Credit

Fair credit typically falls between 580 and 669. When you have fair credit, you get access to a wider variety of credit cards, such as:


  • Capital One Platinum Mastercard: This card comes with no annual fee and has the added benefit of free credit monitoring services from CreditWise.
  • Discover it Secured Card: This card requires a refundable deposit, but it offers cash back rewards, which few secured credit cards have.
  • Credit One Platinum Rewards Visa: This card’s main appeal is its rewards program. However, it has a higher-than-average APR and annual fee, so be wary of carrying a monthly balance on this card.


Whenever you think about applying for a rewards credit card, make sure that you weigh the benefits of the rewards against fees and interest. 

Unsecured Credit Cards With The Highest Approval Ratings

Lenders do not require an initial deposit to open an unsecured credit card. If you have bad credit or none at all, these three cards are the easiest to get:


  • Credit One Bank Platinum Visa: This card has a cashback program, though it does come with an annual fee
  • Total Visa: Although this card doesn’t require a cash deposit, you need to pay a program free when you first create an account. 
  • Petal 2 Visa: This card offers cash back on purchases and a generous credit limit, and no annual fee. 


  • Lake, Rebecca. “What Is the Easiest Credit Card to Get Approved For?” Investopedia, Investopedia, 13 Oct. 2020,
Ian Schindler