Best Credit CardsEasiest to Get
Selected from 1,500+ credit cards for March 2024
Updated Mar 19, 2024Fact checked
By:John Kiernan, Credit Card Editor
|Mar 19, 2024
Reviewed by:Alina Comoreanu, Senior Researcher
Fact checked
The easiest credit cards for you to get approved for with bad credit or no credit are secured credit cards because they require a refundable security deposit that protects the issuer. Secured cards can help you avoid annual fees, add to your credit history with the 3 major credit bureaus, and even earn rewards of 1% or more on your purchases. To help you maximize your odds of approval for a credit card, we compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates and rewards.
Easiest Credit Cards to Get
- Best Overall: OpenSky® Plus Secured Visa® Credit Card
- Best for No Annual Fee: Petal® 2 Visa® Credit Card
- Best for After Bankruptcy: Capital One Quicksilver Secured Cash Rewards Credit Card
- Best for Students: Capital One SavorOne Student Cash Rewards Credit Card
- Best for No Credit: Capital One Platinum Credit Card
- Best Unsecured Card: Indigo® Mastercard® for Less than Perfect Credit
It’s important for you to get a good credit card because credit cards are the best credit-building tools available to us. Nearly all of them report information to the major credit bureaus on a monthly basis, and unlike loans, they don’t require you to incur any debt. Some credit cards are much easier to get approved for than others, though. You can learn all about the best easy approval credit cards below, which include both secured cards and unsecured cards for bad or no credit. Using one of these cards responsibly can help you eventually transition to one of the best credit cards overall.
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information for some of the cards on this page.
Winner
Easiest Credit Card to Get Overall
3.5WalletHub Rating
WalletHub Rating
3.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.5
User Reviews
3.9
Market Comparison
3.3
fees: 5.0
rewards: 0.0
cost: 2.3
APR: 0.6
Other Features: 4.4
Regular APR
29.99% (V)
Annual Fee
$0
Accepted Credit
Limited History, Bad
Regular APR
29.99% (V)
Annual Fee
$0
Accepted Credit
Limited History, Bad
Editors’ Thoughts
The easiest credit card to get approved for is the OpenSky® Plus Secured Visa® Credit Card because there’s no credit check for new applicants. The card has a $0 annual fee and easy-to-satisfy approval requirements that allow you to start building credit history right away, even with bad credit or no credit at all.
The OpenSky® Plus Secured Visa® Credit Card’s main requirements for approval are a U.S. mailing address, a valid SSN/ITIN, and enough income to afford at least minimum monthly bill payments. You also need to be at least 18 years old and capable of placing a refundable security deposit of $300 or more.
Pros, Cons & More Details
Pros
- No membership fees
- Qualify with limited or no credit history
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- More Details & Reviews About OpenSky® Plus Secured Visa® Credit Card
Pros, Cons & Details
Easiest Credit Card to Get with Bad Credit
Easiest Credit Card to Get with No Bank Account
3.1WalletHub Rating
WalletHub Rating
3.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.7
User Reviews
3.5
Market Comparison
3.0
fees: 3.3
rewards: 0.0
cost: 2.0
APR: 2.5
Other Features: 4.3
One-Time Fees
$0
Regular APR
25.24% (V)
Annual Fee
$29
Monthly Fee
$0
Accepted Credit
Fair, Limited History, Bad
One-Time Fees
$0
Regular APR
25.24% (V)
Annual Fee
$29
Monthly Fee
$0
Accepted Credit
Fair, Limited History, Bad
Editors’ Thoughts
Why it's one of the easiest credit cards to get:The First Progress Platinum Elite Mastercard® Secured Credit Card has some of the lowest approval requirements among secured cards, according to WalletHub’s research. So if you’re worried about getting rejected for a new credit card, its $29 annual fee shouldn’t scare you off.
Pros, Cons & More Details
Pros
- Low membership fees
- Qualify with limited or no credit history
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Choose your own credit line - $200 to $2000 - based on your security deposit
- Build your credit score.¹ Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- More Details & Reviews About First Progress Platinum Elite Mastercard® Secured Credit Card
Pros, Cons & Details
Easiest Credit Card to Get After Bankruptcy
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.3
Market Comparison
4.4
fees: 5.0
rewards: 5.0
cost: 4.5
Other Features: 3.0
One-Time Fees
$0
Regular APR
30.74% (V)
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Limited History, Bad
One-Time Fees
$0
Regular APR
30.74% (V)
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Limited History, Bad
Editors’ Thoughts
Why it's one of the easiest credit cards to get: The Capital One Quicksilver Secured Cash Rewards Credit Card is one of the easiest credit cards to get after bankruptcy,as its only requirement in that regard is that your bankruptcy case can’t be ongoing. The Capital One Quicksilver Secured card also is easy to get overall by virtue of being a secured card.
In addition, Capital One Quicksilver Secured puts a relatively small burden on applicants’ wallets, thanks to its relatively low deposit requirement. That too makes it easier to get in a sense. You are required to place a deposit of $200+, which will then become your spending limit. The Capital One Quicksilver Secured card also has a $0 annual fee.
Pros, Cons & More Details
Pros
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
Cons
- High interest rate
Rewards Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- More Details & Reviews About Capital One Quicksilver Secured Cash Rewards Credit Card
Pros, Cons & Details
Easiest to Get with Bad Credit
3.5WalletHub Rating
WalletHub Rating
3.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.5
User Reviews
3.9
Market Comparison
3.3
fees: 5.0
rewards: 0.0
cost: 2.3
APR: 0.6
Other Features: 4.4
One-Time Fees
$0
Regular APR
29.99% (V)
Annual Fee
$0
Monthly Fee
$0
Accepted Credit
Limited History, Bad
One-Time Fees
$0
Regular APR
29.99% (V)
Annual Fee
$0
Monthly Fee
$0
Accepted Credit
Limited History, Bad
Editors’ Thoughts
The OpenSky® Plus Secured Visa® Credit Card has a $0 annual fee and won’t check your credit when you apply. You just need enough income to afford monthly bill payments, along with a refundable security deposit of $300 or more. You also need to be at least 18 years old and have a U.S. mailing address and an SSN/ITIN. These easy-to-satisfy approval requirements give you the opportunity to start building credit history right away, even with bad credit or no credit at all.
Pros, Cons & More Details
Pros
- No membership fees
- Qualify with limited or no credit history
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- More Details & Reviews About OpenSky® Plus Secured Visa® Credit Card
Pros, Cons & Details
Easiest Unsecured Credit Card to Get
2.6WalletHub Rating
WalletHub Rating
2.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.6
Market Comparison
2.4
fees: 2.7
rewards: 5.0
cost: 1.8
APR: 0.6
Other Features: 4.7
One-Time Fees
$0
Regular APR
29.74% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
$0
Rewards Rate
0 - 1% Cash Back
Accepted Credit
Bad
One-Time Fees
$0
Regular APR
29.74% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
$0
Rewards Rate
0 - 1% Cash Back
Accepted Credit
Bad
Editors’ Thoughts
Why it's one of the easiest credit cards to get: The Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured credit card designed for people with bad credit, offering a credit limit of $300 and an annual fee of $75 the first year ($99 after). Unlike most of the cards available to this segment of the market, the Credit One Visa also offers rewards: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services.
Pros, Cons & More Details
Pros
- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
Cons
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit
Rewards Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- See if you Pre-Qualify without harming your credit score
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Free Online Credit Score and Credit Report summary, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
- More Details & Reviews About Credit One Bank® Platinum Visa® for Rebuilding Credit
Pros, Cons & Details
Easiest Store Credit Card to Get
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.7
Market Comparison
4.4
fees: 5.0
rewards: 0.0
cost: 5.0
APR: 3.8
Other Features: 5.0
One-Time Fees
$0
Regular APR
5.75% - 25.99%
Annual Fee
$0
Monthly Fee
$0
Accepted Credit
Fair, Limited History, Bad
One-Time Fees
$0
Regular APR
5.75% - 25.99%
Annual Fee
$0
Monthly Fee
$0
Accepted Credit
Fair, Limited History, Bad
Editors’ Thoughts
Why it's one of the easiest credit cards to get: This is a rare unsecured credit card for people with bad credit that does not charge annual-, monthly- or one-time fees. The fact that it works only for purchases from wards.com doesn’t have to be a bad thing either. Montgomery Ward sells a wide range of merchandise, from clothing and furniture to toys and sporting goods.
So even if you just want an easy-to-get credit card that you can open and forget about, this is a solid option.
Pros, Cons & More Details
Pros
- No membership fees
- Qualify with limited or no credit history
- Does not require security deposit
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Use Wards Credit and get payments as low as $10 a month on a huge selection of furniture, electronics, appliances, shoes, and more.
- Wards low monthly payments and fast approval process make it easy to use credit while shopping online or in our catalog
- Plus, you can build your credit line with us and save your cash and credit cards for other purchases!
- *See all terms here
- More Details & Reviews About Montgomery Ward Credit Account
Pros, Cons & Details
Easiest Store Credit Card with Rewards
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
User Reviews
3.0
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
APR: 5.0
Other Features: 3.0
One-Time Fees
$0
Regular APR
10%
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
0 - 2% back in rewards
Accepted Credit
Bad
One-Time Fees
$0
Regular APR
10%
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
0 - 2% back in rewards
Accepted Credit
Bad
Editors’ Thoughts
Why it's one of the easiest credit cards to get: The Amazon Secured Credit Card accepts people with bad credit and offers 2% back on Amazon.com, Amazon Fresh and more purchases for Prime members. It has a $0 annual fee.
Pros, Cons & More Details
Pros
- No membership fees
- Low regular APR
- Qualify with bad credit
Cons
- Requires security deposit
Rewards Details
- With an eligible Prime membership you can earn 2% back in rewards at Amazon.com, Amazon Fresh and more.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- You can submit a refundable security deposit from $100 to as much as $1,000, which will be your credit limit.
- Report to 3 major credit bureaus every month which may help improve your credit.
- Synchrony Bank will review your account in 12 months to determine if you’re eligible for an upgrade to an unsecured card. If and when you’re upgraded, your security deposit will be returned.
- More Details & Reviews About Amazon Secured Credit Card
Pros, Cons & Details
Easiest Credit Card to Get with No Credit
Easy Credit Card for Students to Get
5.0WalletHub Rating
WalletHub Rating
5.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Build Credit by Paying in Full Each Month (Students)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
1 - 8% Cash Back
Bonus Offer
$50
Accepted Credit
Fair, Limited History
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
1 - 8% Cash Back
Bonus Offer
$50
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why it's one of the easiest credit cards to get:The Capital One SavorOne Student Cash Rewards Credit Card is one of the best starter credit cards on the market. It is relatively easy for students with limited or no credit history to get approved for, has a $0 annual fee, and rewards users with 1 - 8% cash back on purchases. Plus, the card offers an initial bonus of $50 for spending $100 in the first 3 months.
Pros, Cons & More Details
Pros
- No membership fees
- High rewards rate
- Earn $50 initial rewards bonus
- No foreign transaction fee
Cons
- Potential for a high interest rate
Rewards Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- More Details & Reviews About Capital One SavorOne Student Cash Rewards Credit Card
Pros, Cons & Details
Easy Credit Card for No Credit
2.6WalletHub Rating
WalletHub Rating
2.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
2.1
fees: 5.0
rewards: 0.0
cost: 1.4
APR: 1.5
Other Features: 4.5
Regular APR
30.74% (V)
Annual Fee
$0
Accepted Credit
Fair, Limited History
Regular APR
30.74% (V)
Annual Fee
$0
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why it's one of the easiest credit cards to get: The Capital One Platinum Credit Card is a starter credit card, designed for people with limited or no credit history. The Capital One Platinum Card also has a $0 annual fee and reports monthly to the three major credit bureaus, making it an excellent option for low-cost credit improvement.
Pros, Cons & More Details
Pros
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
Cons
- No rewards
- High regular APR
- No reduced introductory rates
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- More Details & Reviews About Capital One Platinum Credit Card
Pros, Cons & Details
Easy to Get Rewards Card for Limited/Average Credit
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.5
Market Comparison
3.9
fees: 2.8
rewards: 5.0
cost: 4.0
Other Features: 4.5
Regular APR
30.74% (V)
Annual Fee
$39
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Fair, Limited History
Regular APR
30.74% (V)
Annual Fee
$39
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why it's one of the easiest credit cards to get:The Capital One QuicksilverOne Cash Rewards Credit Card is available to people with limited credit or better. It offers 1.5 - 5% cash back on purchases in return for an annual fee of $39. It’s a worthwhile option if you plan to use the card regularly and avoid interest charges by paying the bill in full monthly.
Pros, Cons & More Details
Pros
- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign transaction fees
Cons
- $39 annual fee
- Above-average regular APR
Rewards Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- More Details & Reviews About Capital One QuicksilverOne Cash Rewards Credit Card
Pros, Cons & Details
Easiest No Annual Fee Credit Card to Get
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.9
fees: 5.0
rewards: 5.0
cost: 4.9
Other Features: 4.5
Regular APR
18.24% - 32.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Accepted Credit
Excellent, Good, Fair, Limited History
Regular APR
18.24% - 32.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Accepted Credit
Excellent, Good, Fair, Limited History
Editors’ Thoughts
Why it's one of the easiest credit cards to get: The Petal® 2 Visa® Credit Card is the easiest no-annual-fee credit card to get because it is a starter card available even to beginners with no credit history. It also has great terms. The Petal 2 Card does not charge fees, but it does reward cardholders with 1 - 1.5% cash back on eligible purchases. It also reports account activity to all three credit bureaus, which will help you build a good credit score if you manage the account responsibly.
Pros, Cons & More Details
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards bonus
- No balance transfers allowed
Rewards Details
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 18.24% - 32.24%
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
- More Details & Reviews About Petal® 2 Visa® Credit Card
Pros, Cons & Details
Easiest Business Credit Card to Get
Easiest Business Credit Cards to Get
4.7WalletHub Rating
WalletHub Rating
4.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Rebuild Damaged Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.7
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 3.7
Regular APR
28.49% (V)
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Accepted Credit
Bad
Regular APR
28.49% (V)
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Accepted Credit
Bad
Editors’ Thoughts
Why it's one of the easiest credit cards to get: The Business Advantage Unlimited Cash Rewards Secured credit card is a rare secured card for small business owners. Having a secured card available makes it much easier for a small business owner with bad personal credit to get approved for a business credit card. The Business Advantage Unlimited Cash Rewards Secured credit card requires a deposit of at least $1000 and charges a $0 annual fee. But it also gives 1.5% cash back in rewards on all purchases.
Pros, Cons & More Details
Pros
- No membership fees
- Qualify with bad credit
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
- Earn unlimited 1.5% cash back on all purchases, everywhere, every time.
- No annual cap and cash rewards don't expire.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America checking or savings account, as a card statement credit or as a check mailed to you.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Open your account with a security deposit (minimum $1,000). Upon approval your credit line will be equal to your deposit account.
- Your account will periodically be review and if your overall credit history improves, you could transition to an unsecured card. Not all customers will qualify.
- Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.
- More Details & Reviews About Business Advantage Unlimited Cash Rewards Secured credit card
Pros, Cons & Details
In case you’re interested in another option, we recommend…
Capital One Spark Classic for Business (see Rates & Fees)
This card provides a healthy 1% cash back earning rate across all purchases and does not charge an annual fee. Most importantly, it’s available to small business owners with limited or average credit history.
WalletHub's Research
168
Research Hours
230
Companies Reviewed
662
Cards Reviewed
- 5 Tips to get a credit card easily
- Easiest credit cards to get approved for in 2024
- Easiest credit cards to get compared
- Methodology
- Sources
- About the author
- User questions & answers
5 Tips to Get a Credit Card Easily
You already have a major head start when it comes to finding an easy credit card to get. But we Hubsters are generous, so here are a few more pointers to ensure success.
- Check Your Credit & Cash – You can’t know what you need without first assessing what you have. So check your credit score, review your free credit report and take stock of how much money you can attribute to monthly credit card payments. This will help narrow your options a lot as well as pay dividends in terms of account management.
- Compare, Compare, Compare – Once you know what type of credit card you need, figure out which terms are most important to you – no fee, rewards, 0% APR, etc. Then directly compare offers until you find one that closest fits your ideal.
- Start with a Secured Card – The easiest credit cards to get are secured credit cards with no credit check such as the OpenSky® Plus Secured Visa® Credit Card because mistakes from the past or a limited credit history won't prevent you from being approved. The OpenSky Plus Card is an especially good choice because it has a $0 annual fee. It also reports monthly to the major credit bureaus, allowing you to build credit.
Getting a secured card will enable you to start the credit-building process as soon as possible. It will also give you complete control over your spending limit and help you avoid racking up debt, since your limit usually equals the amount of your security deposit. A secured card obviously won’t give you an emergency loan, though.Unfortunately, decent unsecured credit cards for people with bad credit don’t really exist. They tend to charge high non-refundable fees and even higher interest rates in return for only a small amount of borrowing power. That’s why we always recommend biting the bullet and placing a deposit on a secured card.
- Don't Forget Store Cards – Retailer-affiliated credit cards are surprisingly useful credit-improvement tools. They’re usually available to anyone with fair credit or better. And hardly any of them charge annual fees. Plus, the best of the bunch offer some really great rewards.
- Get Your Priorities Straight – When credit-improvement is your top priority, a low annual fee (or no annual fee) is the most important thing to look for in a credit card. Most credit-score damage involves missed payments, after all. So you should try to save as much money as possible, if only to build an emergency fund.
Besides, if you have bad credit, you’re unlikely to qualify for good enough rewards or a low enough interest rate to warrant paying an annual fee when fee-free options are available.
Keep these pointers in mind as you contemplate which card to apply for. For your convenience, we put together a quick recap of our top picks, which you can check out below.
Easiest Credit Cards to Get Approved for in 2024
OpenSky® Plus Secured Visa® Credit Card
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because applicants don’t have to pass a credit check.
Credit One Bank® Platinum Visa® for Rebuilding Credit
The Credit One Bank® Platinum Visa® for Rebuilding Credit is one of the easiest unsecured credit cards to get because it is available to people with bad credit. It also has manageable fees, and cardholders get a credit limit of $300 to start with.
Petal® 2 Visa® Credit Card
The Petal 2 Credit Card is the easiest credit card to get with no annual fee and rewards. Cardholders earn at least 1 - 1.5% cash back on all eligible purchases.
Capital One Quicksilver Secured Cash Rewards Credit Card
The Capital One Quicksilver Secured card is one of the easiestcredit cards to get after bankruptcy. Its only requirement in that regard is that your bankruptcy case can’t be ongoing. Capital One Quicksilver Secured (see Rates & Fees) also is easy to get overall by virtue of being a secured card.
Capital One SavorOne Student Cash Rewards Credit Card
TheCapital One SavorOne Student Cash Rewards Credit Card (see Rates & Fees) is an easy credit card for students to get. It’s also one of the best, rewarding users with 1 - 8% cash back on purchases, plus an initial bonus, and not charging an annual fee.
Capital One Platinum Credit Card
TheCapital One Platinum Credit Card (see Rates & Fees) is an easy credit card for people with limited or no credit history to get. It also charges a $0 annual fee.
First Progress Platinum Elite Mastercard® Secured Credit Card
The First Progress Platinum Elite Card has some of the lowest approval requirements among secured cards, according to WalletHub’s research. Applicants don’t even need a bank account to get approved.
Capital One QuicksilverOne Cash Rewards Credit Card
TheCapital One QuicksilverOne Cash Rewards Credit Card (see Rates & Fees)is meant for people with limited or fair credit history, and it’s an excellent option to consider. Although Capital One QuicksilverOne charges an annual fee, it offers above-average rewards that can make it worth the cost.
Easiest Credit Cards to Get Compared
| Card Name | Editor’s Rating | Best For | Annual Fee | APR |
| OpenSky® Plus Secured Visa® Credit Card | 4.5/5 | Easiest to Get | $0 | 29.99% (V) |
| Petal® 2 Visa® Credit Card | 5/5 | No Annual Fee | $0 | 18.24% - 32.24% (V) |
| Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) | 5/5 | After Bankruptcy | $0 | 30.74% (V) |
| Capital One Platinum Credit Card (see Rates & Fees) | 5/5 | No Credit | $0 | 30.74% (V) |
| Capital One SavorOne Student Cash Rewards Credit Card (see Rates & Fees) | 4.7/5 | Students | $0 | 19.99% - 29.99% (V) |
| First Progress Platinum Elite Mastercard® Secured Credit Card | 3.7/5 | No Bank Account | $29 | 25.24% (V) |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | 3/5 | Unsecured | $75 intro 1st yr, $99 after | 29.74% (V) |
| Amazon Secured Credit Card | N/A | Online Shopping | $0 | 10% |
If you want to track your credit improvement as you use your new card, sign up for a free WalletHub account. You will get free daily credit score and report updates as well as personalized improvement tips and alerts when you can qualify for better cards.
Methodology for Selecting the Easiest Credit Cards
To select the easiest credit cards to get approved for, WalletHub’s editors compare more than 1,500 credit card offers based on their approval requirements for new applicants. We also consider their fees, rates, rewards, credit score requirement, and other notable features. Two-year cost is used as a tiebreaker between cards that are equally easy to get.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that people have differing goals and are likely to use their credit cards differently, we identified spending profiles that are representative of people’s varied financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the easiest credit cards to get for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the Author
John S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Easiest Credit Cards to Get Approved For FAQs
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
What is the easiest U.S. Bank credit card to get?
2
Upvotes
Reply
2
Maria Adams, Credit Cards Moderator
@m_adams
One of the easiest U.S. Bank credit cards you can get is the U.S. Bank Cash+® Visa® Secured Card. This card is available to applicants with bad credit, has a $0 annual fee and requires a minimum deposit of $300 to open the account. The deposit will serve as your credit limit.
In addition, the U.S. Bank Cash+® Visa® Secured Card offers:
- 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose, and 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center.
- 2% cash back on your choice of one everyday category, like gas stations, EV charging stations, restaurants or grocery stores.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Get your cash back in the following ways: Statement credit, Direct deposit into your U.S. Bank checking or savings account or as a Rewards card.
Some of the Easiest U.S. Bank Credit Cards to Get
Cash Back:U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More- High Maximum Deposit:U.S. Bank Secured Visa® CardU.S. Bank Secured Visa® CardLearn MoreLearn More
- High Rewards Rate:U.S. Bank Altitude® Go Visa® Secured CardU.S. Bank Altitude® Go Visa® Secured CardLearn MoreLearn More
Beyond secured credit cards, U.S. Bank offers several unsecured credit cards...
1
What's the easiest credit card to get with no credit?
85
Upvotes
Reply
85
5
Maria Adams, Credit Cards Moderator
@m_adams
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit because it is a secured card and there's no credit check required for approval. As long as you're 18+, can afford at least a $300 deposit, and can make monthly bill payments, you'll probably get approved. With secured credit cards, your limit is usually the amount of your initial deposit. The OpenSky® Plus Secured Visa® Credit Card has a $0 annual fee.
Easiest Credit Cards to Get with No Credit (March 2024)
- OpenSky® Plus Secured Visa® Credit Card: No Credit Check
- Capital One Platinum Credit Card (see Rates & Fees): No Deposit
- Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees): Unlimited Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card (see Rates & Fees): Students
The easiest unsecured credit card to get with limited credit...
2
What is the easiest credit card to get with fair credit?
98
Upvotes
Reply
98
7
Chip Lupo, Credit Card Writer
@CLoop
One of the easiest credit cards to get with fair credit is the Chase Freedom Rise℠ card because even people with limited credit can get approved. Chase Freedom Rise℠ also has a $0 annual fee and rewards you with 1.5% cash back on all purchases.
Easy Credit Cards to Get with Fair Credit
- Chase Freedom Rise℠: Overall
- Petal® 2 Visa® Credit Card: Bonus Rewards
- Upgrade Cash Rewards Visa®: Checking Account Bonus
- Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees): Cash Back
- Capital One Platinum Credit Card (see Rates & Fees): Build Credit
- OpenSky® Plus Secured Visa® Credit Card: No Credit Check
- Credit One Bank® Platinum Visa® for Rebuilding Credit: No Deposit
In general,...
4
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What is the easiest credit card to get to build credit?
11
Upvotes
Reply
11
Chip Lupo, Credit Card Writer
@CLoop
The easiest credit card to get for building credit is the OpenSky® Secured Visa® Credit Card. This card does not require a credit check, which makes it an attractive choice for people with limited or bad credit, but has a $35 annual fee. In addition, the OpenSky card requires a minimum security deposit of just $150.
Some of the Easiest Credit Cards to Get for Building Credit
- Overall:OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesHigh Flat Rate:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Custom Rewards:Bank of America® Customized Cash Rewards Secured Credit CardBank of America® Customized Cash Rewards Secured Credit CardLearn MoreLearn More
- Cash Back:Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
- Rates & FeesStudents:Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- No Security Deposit:Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
In general, a secured card is the easiest type...
1
What is the easiest secured credit card to get approved for?
1
Upvote
Reply
1
Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
The easiest secured credit cards to get are the OpenSky® Plus Secured Visa® Credit Card and the OpenSky® Secured Visa® Credit Card because they do not check your credit history when you apply. That means you can get approved no matter how bad your credit is.
Easiest Secured Credit Cards to Get
- OpenSky® Plus Secured Visa® Credit Card: No Annual Fee & No Credit Check
- OpenSky® Secured Visa® Credit Card: No Credit Check
- Capital One Platinum Secured Credit Card (see Rates & Fees): Low Minimum Deposit
- Applied Bank® Secured Visa® Gold Preferred® Credit Card: Low Interest Rate
- Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees): Rewards
In...
1
What is the easiest business credit card to get?
78
Upvotes
Reply
78
1
Maria Adams, Credit Cards Moderator
@m_adams
The easiest business credit card to get is the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card because it accepts applicants with bad credit. In addition to being easy to get, this card rewards you with 1.5% cash back on all purchases and has a $0 annual fee. A minimum security deposit of $1,000 is required, though.
In general, the easiest credit cards for a business to get require bad-to-fair credit for approval. It's also worth noting that while you must have a business to...
10
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What is the easiest Capital One credit card to get?
3
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3
John S Kiernan, Managing Editor
@John
The Capital One Platinum Secured Credit Card (see Rates & Fees) and the Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees) are the easiest Captal One credit cards to get. Both cards are available to applicants with bad credit and require a refundable security deposit, making them easy to get approved for.
Easiest Capital One Credit Cards to Get
- Rates & FeesEasiest to Get:Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesRewards:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesUnsecured:Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesStudents - Building Credit:Capital One Quicksilver Student Cash Rewards Credit CardCapital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesStudents - Dining Rewards:Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesBusiness:Capital One Spark Classic for BusinessCapital One Spark Classic for BusinessLearn MoreLearn Moreon issuer's website
Your credit score isn't the only thing that will affect your ability to get approved for a Capital One credit card. Your income and relationship with Capital One...
2
What are the easiest credit cards for students to get?
68
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Reply
68
2
WalletHub
@WalletHub
The easiest credit cards for students to get are student credit cards for applicants with limited or no credit history and secured credit cards, which are available to people with no credit or even bad credit. Since college students tend to have higher incomes in the long term, issuers are willing to extend them better offers than most people without established credit could get. Think of it as an investment in a student's future financial needs, which could prove quite profitable...
9
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What are the easiest department store credit cards to get?
56
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56
1
WalletHub
@WalletHub
One of the easiest department store credit cards to get approved for is the Fingerhut Credit Account, but that's only if you count an online retailer / mail catalog as a department store. It's a rare store card you can get with bad credit.
Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also...
5
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What are the easiest store credit cards to get with bad credit?
20
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20
John S Kiernan, Managing Editor
@John
The easiest store credit card to get with bad credit is the Fingerhut Credit Card because it accepts applicants with a credit score as low as 500. The Fingerhut Credit Card offers an easy online application process and usually gives instant decisions. The card can only be used for purchases on Fingerhut.com, but it reports account activity to all three credit bureaus, so it can be a good credit-building tool.
Easy Store Credit Cards to Get with Bad...
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Montgomery Ward Credit Account, Amazon Secured Credit Card, Petal® 2 Visa® Credit Card, Business Advantage Unlimited Cash Rewards Secured credit card, U.S. Bank Secured Visa® Card, U.S. Bank Altitude® Go Visa® Secured Card, U.S. Bank Cash+® Visa® Secured Card, Bank of America® Unlimited Cash Rewards Secured Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, Shell Small Business Credit Card, Office Depot Business Credit Card, Kohl's Credit Card, Walmart® Store Card, Fingerhut Credit Account, TJX Store Card, Express Credit Card, Amazon Store Card, Saks Fifth Avenue Store Card, Net First Platinum, and Venue Rewards™
About our Editor’s Picks
Our editors' recommendations for the Best Credit Cards are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your financial product.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure:
Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation “Sponsored”, where applicable. Advertising status does not affect which offers show up on this page but may impact the order in which they appear. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
