Credit Cards (US)

TOP 10 easiest to get credit cards: get approved even with poor credit history!

If you're looking for a credit card, but don't quite have the best credit history, then read on! We will show you the 10 easiest to get credit cards!

Looking for the easiest to get credit cards? Check it out!

Find out which are the top 10 easiest to get credit cards! Source: Pixabay
Find out which are the top 10 easiest to get credit cards! Source: Pixabay

How does one get approved for a credit card with bad credit? It can be difficult to find the best credit cards that are easy to get approved for. There are many factors that go into getting approved, but some basic requirements include filling out an application and providing proof of income. Luckily, this post will give you a list of the ten easiest to get credit cards! So, if you don’t have quite the best credit history, keep reading our post!

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Tips to improve your money management

If you want to improve your money management, we have separated ten personal finance tips just for you. Come with us!

Top 10 easiest to get credit cards: there´s always one for you!

Find the best credit card for you! Source: Capital One
Find the best credit card for you! Source: Capital One

1. Capital One Platinum Secured Credit Card

Most secured credit cards require a security deposit of the same amount as your credit limit. However, the Capital One Platinum Secured card gives you the chance to get a higher credit limiter than your security deposit. Moreover, this credit card has no annual fee, and you can make a refundable deposit of at least $49.

Plus, you can pay your deposit in installments. It can be an excellent choice for those who need a credit card but cannot pay the total amount of a credit deposit.

Credit ScorePoor.
Annual Fee$0.
Regular APR26.99% variable APR.
Welcome bonusNo welcome bonus.
RewardsNo rewards.

2. The Indigo® Platinum Mastercard® Card

The Indigo® Platinum Mastercard® card can be a reasonable card choice for those who need to build or rebuild credit. You will need to pay an annual fee, but you can get the Mastercard benefits offered by them. Also, the pre-application process does not impact your credit score. Plus, you do not need to make a security deposit. However, some of this card’s fees might be a downside to some.

Credit ScorePoor.
Annual Fee$59 or $99, depending on your creditworthiness
In your first year, the fee is $75.
Regular APR24.90% variable APR.
Welcome bonusN/A.
RewardsN/A.

3. Credit One Bank® Platinum Visa® Credit Card

This credit card can be an excellent choice for those who need to rebuild credit and want some rewards. Many credit-building credit cards do not offer rewards, but this Credit One card offers 1% cash back on eligible everyday purchases. Plus, you can increase your credit line after using the card responsibly.

Credit ScorePoor to excellent.
Annual Fee$75 in the first year. After that, $99.
Regular APR23.99% variable APR.
Welcome bonusNo welcome bonus.
Rewards1% cash back on qualifying purchases.
cartão Credit One Bank® Platinum Visa®

How to apply for Credit One Bank Platinum Visa

The Credit One Bank Platinum Visa for Rebuilding Credit offers cash back and it doesn’t require a perfect credit score. See how to apply!

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4. Discover it® Secured Credit Card

This Discover it® credit card is amongst the best secured credit cards out there. It has no annual fee, and you can get a welcome bonus and rewards! Plus, you can have access to your FICO® Score every month. This way, you can follow your plan to rebuild credit and improve your finances.

Credit ScorePoor.
Annual Fee$0.
Regular APR22.99% variable APR.
Welcome bonus*Discover will match the cash back earned by you at the end of your first year.

*Terms apply.
Rewards*2% cash back for spending at gas stations and restaurants. Reward valid for $1,000 every quarter.

For every other purchase, get unlimited 1% cash back.

*Terms apply.
cartão Discover it® Secured

How to apply for Discover it Secured credit card

Do you have a low credit score and need a credit card? The Discover It Secured can be a great fit for you! Read more to know how to apply!

5. First Progress Platinum Elite MasterCard® Secured Card

This card is one of the three secured credit cards from First Progress. Also, it has the lowest annual fee of the three cards. Plus, you can qualify even if you don’t have a credit score. Moreover, the security deposit required is refundable, and you can pay as little as $200.

Credit ScoreLow or no score.
Annual Fee$29.
Regular APRRegular APR 21.49% (V)
Cash Advance 26.49% (V)
Welcome bonusNo welcome bonus.
RewardsNo rewards.
cartão First Progress Platinum Elite MasterCard® Secured

How to apply for First Progress Platinum Elite

Do you need to re-establish credit? So, check out how to apply for the First Progress Platinum Elite MasterCard® Secured Credit Card!

6. OpenSky® Secured Visa® Credit Card

This credit card has two excellent perks that can be decisive when choosing a credit-building card: you do not need a bank account to apply, and there is no credit check during the application process. So, even though there is an annual fee and other fees, this credit card can be a good choice for those who don’t have a bank account.

Credit ScoreNo credit check is performed.
Annual Fee$35.
Regular APR20.39% (variable) on purchases
20.39% (variable) on cash advances
Welcome bonusNo welcome bonus.
RewardsNo rewards.

7. OakStone Platinum Secured Mastercard® Card

The OakStone Platinum Secured Mastercard® card is for those with bad credit, and it has a low variable APR compared to similar cards. Plus, it will send your monthly payment reports to all three major credit bureaus. Moreover, the credit lines range from $200 to $5,000.

Credit ScorePoor to average.
Annual Fee$49.
Regular APR9.99% variable APR.
Welcome bonusN/A.
RewardsN/A.

8. Bank of America® Customized Cash Rewards Secured Credit Card

This Bank of America® secured credit card is an excellent choice for those with bad credit. It offers 3% cash back in a category of your choice and 2% cash back at wholesale clubs and grocery stores. Plus, you can get unlimited 1% cash back on any other purchase you make with the card. Moreover, you need to make an initial security deposit of at least $300 to open your account.

Credit ScorePoor or limited.
Annual Fee$0.
Regular APR13.99% to 23.99% variable APR.
Welcome bonusN/A.
Rewards*3% cash back in a category of your choice: online shopping, travel, dining, gas, drug stores, and more!

2% cash back at wholesale clubs and grocery stores.

1% cash back on all other purchases.

Plus, you can earn 3% and 2% cash back on your first $2,500 in one combined category each quarter. After that, you will earn 1%.

*Terms apply.
cartão Bank of America® Customized Cash Rewards Secured

How to get Bank of America Customized Cash Rewards

The Bank of America Customized Cash Rewards Secured card has no annual fee and can help you build credit. Read more to know how to apply!

9. First Progress Platinum Prestige Mastercard® Secured Credit Card

This credit card is for those who need to use a credit card but have a bad credit score. It is one of the three First Progress credit cards for bad credit. Also, it has an annual fee of $49, but you can get a relatively low APR of 9.99%. Plus, the application process does not negatively impact your credit score.

Credit ScoreBad.
Annual Fee$49.
Regular APRRegular APR 11.49% (V)
Cash Advance APR 20.49% (V)
Welcome bonusN/A.
RewardsN/A.
cartão First Progress Platinum Prestige Mastercard® Secured

How to get a First Progress Platinum Prestige card

Do you need to rebuild credit? Keep reading to know how to apply for the First Progress Platinum Prestige MasterCard® Secured Credit Card!

10. Capital One Quicksilver Secured Cash Rewards Credit Card

This Capital One secured card can be one of the best credit cards for those with bad credit. It offers rewards, no annual fee, and you can earn rewards! Plus, if you use your credit card responsibly, you can upgrade to an unsecured credit card.

Credit ScorePoor.
Annual Fee$0.
Regular APR26.99% variable APR.
Welcome bonusN/A.
RewardsUnlimited 1.5% on every purchase.

Final Considerations

Always make sure that you can pay for the card's fees. Source: Pexels
Always make sure that you can pay for the card’s fees. Source: Pexels

We all know that there is always an option for those going through a tough time with their finances. However, dealing with credit cards requires responsibility, especially if you have already had a bad experience with them in the past. It also applies to those who never had an experience with a credit card.

Therefore, make sure that you read the cards’ terms and conditions before starting the application process. With this, you will avoid other bad credit card experiences. Also, make sure that you can pay your credit card’s fees. This way, you will build credit a lot faster and upgrade to a regular credit card with more perks and rewards.

Moreover, if you want to find new ways to improve your credit score, check out our post below with a guide on how to increase your credit score. It can help you better use your credit card to improve your finances!

desenhos de dois cartões com um score atrás

How to increase your credit score

Know all the advantages, percentages, how to use it correctly and what you need to increase your credit score!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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