9 of the easiest credit cards to apply for: get approved fast!
If you're suffering from a low credit score, don't worry. You still have a chance to get a credit card and rebuild your history. This content will present you with some of the best credit card options for you.
Apply for the easiest credit cards to get approved for: you deserve a chance to rebuild your credit history.
Getting a new credit card doesn’t have to be an Odyssey with these easiest to get approved credit cards. Some credit cards have application processes with so many eligibility requirements that let you wonder if you’re applying for a credit card or for a job at Nasa. Ain’t nobody has time to waste with bureaucracy and high standards. The credit cards you’ll find in this blog post will not require a perfect credit history to get approved.
If, by any chance, your credit score is not that good right now, don’t worry. You deserve a credit card to be able to rebuild it. Everybody can start over and get a second chance to use a credit line responsibly. Maybe they won’t offer as many benefits and rewards as the premium ones, but they’ll meet your expectations of having a credit card to use daily. Take a look at these easy-to-get credit cards.
9 best options for you to apply and get approved for easily!
The following credit cards do not rely on your credit score only to approve you. There are other conditions to consider, and you can see which one suits you. But remember, these cards usually don’t offer many benefits and sometimes have high-interest rates. Think about them as a step towards the better ones. Use them strategically to build an excellent credit score.
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Secured credit cards
Secured credit cards are an excellent choice for building a credit score. They request a security deposit that works as collateral, and your credit limit will be equal to the amount you deposit. Most of them will offer an unsecured credit line if you don’t delay any payment and use it responsibly for 6, 7, or 12 months.
1) OpenSky Secured Visa credit card
For a small annual fee of $35, you can use this credit card to build a credit history. You can make a security deposit of any amount starting at $200 or up to $3,000. The interest rate is a 17.39% variable, and you’ll have access to an app to help you track your expenses. OpenSky report your credit history to three major credit bureaus.
2) Discover It Secured credit card
This secured credit card has a rare feature in this category: rewards! You’ll get 1% cashback on every purchase, and even a bonus cashback at gas stations and restaurants. Also, as a welcome bonus, it doubles all your cashback from the first year. If you make responsible use with no delayed payments you can get your security deposit back in seven months.
3) Capital One Platinum Secured Credit Card
Capital One has some excellent credit cards, and the Capital One Platinum Secured Credit Card is up to this high quality. One of the best things about this card is that you will pay no annual fee, and the security deposit starts at $49. You’ll be considered for an unsecured credit line in six months.
4) Bank of America® Customized Cash Rewards Secured Credit Card
This card offers rewards and will charge you no annual fee. Get your credit line with a security deposit starting at $300, up to $4,900. The rewards program has excellent rates: 2% on wholesale clubs and grocery stores and 3% in one category of your choice. The options include gas stations, travel, drug stores, and much more. Your mobile app allows you to track your credit score for free, and your credit history will be reported to all three major credit bureaus.
Student credit cards
Your study enrollment will give you more than just assignments. It can get you a student credit card designed to help you build a credit score. Some of the easiest to get approved credit cards are the ones designed for students. When you graduate, you can apply for a credit card with more benefits.
5) Discover It Student credit card
You can make your student years easier with this card. It will help you build credit while you earn cashback paying no annual fee for it. Enjoy 1% cashback on every purchase, and 2% cashback on restaurants and gas stations on up to $1,000 each quarter. You’ll have everything you need to graduate: food and transportation with benefits.
6) Chase Freedom Student credit card
Chase freedom Student credit card has no annual fee and free tracking of your credit score. As soon as you make your first purchase, you’ll get a welcome bonus of 5,000 points that you can redeem as $50 cashback. Also, you can get a credit limit increase within 5 months if you make your monthly payments always on time. The ongoing APR is a 15.24% variable, and you get 1% cashback on every purchase.
7) Capital One QuickSilver Student Cash Rewards
This is a straightforward card to take with you to college or university. With no annual fee and no foreign transaction fees, you can take it abroad too. The rewards program is simple and efficient, giving you 1.5% unlimited cashback on every purchase. The ongoing APR is a little higher than the others, with a variable of 26.99%, but you can set your credit card bill on autopay, so you’ll never pay interest on your balance.
Credit cards for the general public with no credit score requirement
If you’re not a student and are not willing to pay the security deposit, you still have options. Some cards will take other aspects of your financial history into consideration, rather than just your credit score. The downside is that they usually have higher interest rates so it is not a good idea to make big purchases and pay just the minimum, as you’ll pay interest on your balance and will lose some money. The best strategy is to use it only for small purchases and pay full every month. This attitude will shine on your credit history, and soon you’ll have a good credit score to apply for a better credit card.
8) Petal 1 Visa card
With no annual fee and a decent interest rate, Petal 1 is an excellent option for the ones with a not-so-good credit score as one of the easiest to get approved credit cards. Petal take your “cash score” into consideration to give you this credit card with a cashback. And it’s not the usual 1% cashback. You’ll get 2% up to 10% cashback on selected purchases.
9) Tomo credit card
Tomo has a modern design and a modern concept of credit. It will not require any credit score for approval, but your card will get linked to your checking account. They will set a weekly auto pay, so it works like a debit card while building your credit history. They will analyze your financial history, and not just your credit score to determine your credit limit. Also, you’ll get a 1% cashback reward on every purchase.
If you’re a student and need more than a credit card, you can take a look at the student loans. They’re suitable for you even if you have a low credit score.
About the author / Julia Bermudez
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