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!
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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Top 10 easiest to get credit cards: there´s always one for you!
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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 Score | Poor. |
Annual Fee | $0. |
Regular APR | 26.99% variable APR. |
Welcome bonus | No welcome bonus. |
Rewards | No 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 Score | Poor. |
Annual Fee | $59 or $99, depending on your creditworthiness In your first year, the fee is $75. |
Regular APR | 24.90% variable APR. |
Welcome bonus | N/A. |
Rewards | N/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 Score | Poor to excellent. |
Annual Fee | $75 in the first year. After that, $99. |
Regular APR | 23.99% variable APR. |
Welcome bonus | No welcome bonus. |
Rewards | 1% cash back on qualifying purchases. |
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!
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 Score | Poor. |
Annual Fee | $0. |
Regular APR | 22.99% 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. |
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 Score | Low or no score. |
Annual Fee | $29. |
Regular APR | Regular APR 21.49% (V) Cash Advance 26.49% (V) |
Welcome bonus | No welcome bonus. |
Rewards | No rewards. |
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 Score | No credit check is performed. |
Annual Fee | $35. |
Regular APR | 20.39% (variable) on purchases 20.39% (variable) on cash advances |
Welcome bonus | No welcome bonus. |
Rewards | No 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 Score | Poor to average. |
Annual Fee | $49. |
Regular APR | 9.99% variable APR. |
Welcome bonus | N/A. |
Rewards | N/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 Score | Poor or limited. |
Annual Fee | $0. |
Regular APR | 13.99% to 23.99% variable APR. |
Welcome bonus | N/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. |
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 Score | Bad. |
Annual Fee | $49. |
Regular APR | Regular APR 11.49% (V) Cash Advance APR 20.49% (V) |
Welcome bonus | N/A. |
Rewards | N/A. |
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 Score | Poor. |
Annual Fee | $0. |
Regular APR | 26.99% variable APR. |
Welcome bonus | N/A. |
Rewards | Unlimited 1.5% on every purchase. |
Final Considerations
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!
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
Reviewed by / Aline Barbosa
Senior Editor
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