Easiest Credit Cards to Get
| Credit Card | Best For | Credit Score | Annual Fee | Welcome Bonus | |
|---|---|---|---|---|---|
| Bad Credit | 300–669 | $75 for the first year ($48 after) | |||
| No Credit | 300–669 | $0 | |||
| No Annual Fee | 300–669 | $0 | |||
| No Credit Check | 300–669 | $35 | |||
| Students | 580–739 | $0 | |||
| No US ID Required | 300–669 | $0–$49 | |||
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If you’re looking for your first credit card or recovering from financial difficulties, you’re probably realizing how difficult it can be to get a credit card. When your credit file is relatively thin—or when it has a lot of black marks—it’s hard to find cards that you can qualify for, and finding a card with decent borrowing terms can feel nearly impossible.
Don’t give up yet. We’ve put together a list of the easiest credit cards to get approved for. Read on to learn about getting approved for a credit card when you have bad credit and what the 6 easiest cards are to get in December 2024.
What are the easiest credit cards to get approved for?
The easiest credit cards to get approved for are secured credit cards.
Secured credit cards require a security deposit when you open the card account. The security deposit usually determines your credit limit. For example, if a secured credit card advertises a deposit between $200–$1,000, you could put down a security deposit of $500 and have a $500 line of credit on that card.
These credit cards are easy to get because the security deposit is used as collateral against borrowers who are less likely to pay their bills (e.g., people with bad credit).
What are the easiest unsecured credit cards to get?
Unsecured credit cards for bad credit are generally more difficult to get, as they don’t have security deposits as collateral. However, there are still credit cards out there that don’t require a security deposit and are still easy to get. Look for cards that:
- Don’t perform credit checks when you apply
- Advertise high approval odds
- Label themselves as “for rebuilding credit”
Some credit cards even market to bad-credit borrowers by claiming to approve 98%+ of applicants. These cards are as close to guaranteed approval credit cards that you can get, and should be your first stop if you’re worried about your credit card application being rejected.
What are the easiest store credit cards to get?
The easiest store credit cards to get are those that can only be used at the issuing franchise (e.g., a Target credit card that can only be used for purchases at Target). Some of the easiest store cards to get include the:
- Amazon Secured Card
- Target RedCard
- Walmart Rewards® Card
- Sam’s Club Credit Card
- Victoria’s Secret Credit Card
Store cards can be applied for online or at the physical store location, and usually offer instant approval.
