What credit card is easiest to get?
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.
| Credit Card | Annual Fee |
|---|---|
| Kotak 811 #Dream Different Credit Card | Nil |
| SBI SimplySAVE Credit Card | Rs. 499 |
| Axis Bank Insta Easy Credit Card | Nil |
- OpenSky® Plus Secured Visa® Credit Card.
- Chime Secured Credit Builder Visa® Credit Card.
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card.
- Mission Lane Visa® Credit Card.
- Discover it® Student Chrome.
- Self Visa® Secured Card.
- Grow Credit Mastercard.
| Credit Card Company | Lets You Check for Pre-approved Offers? | Min. Credit Required |
|---|---|---|
| Capital One | Yes | Bad |
| Chase | Yes | Good |
| Citibank | Yes | Limited |
| Discover | Yes | Bad |
There is no official “lowest score” that card issuers will accept because whether you get approved for a card depends on a variety of factors, not just your credit score.
| Card | Credit score | Annual fees |
|---|---|---|
| OpenSky® Secured Visa® Credit Card | Fair, Poor, Bad, No Credit | $35 |
| Capital One Quicksilver Secured Cash Rewards Credit Card | Limited, Bad | $0 |
| Capital One Platinum Secured Credit Card | Limited, Bad | $0 |
| Revenued Business Card | Bad, Good | No annual fee |
With an instant approval credit card, you can typically receive a response to your application within minutes. But whether you're approved or denied will depend on various requirements set by the issuer, such as income, credit score, housing payments and more.
| Card Name | Our pick for |
|---|---|
| Chime Credit Builder Secured Visa® Credit Card | Flexible deposit |
| Capital One Platinum Secured Credit Card | Rebuilding credit |
| Self - Credit Builder Account with Secured Visa® Credit Card | Building credit with savings |
- State Bank of India.
- Bank of Baroda.
- Kotak Mahindra Bank.
- Axis Bank.
- Central Bank of India.
Is it hard to get a Discover card?
If you want to get a Discover credit card, you may be wondering how hard it is to get approved. Your credit score plays an important role here. The best Discover credit cards are aimed at consumers with scores of 670 or above. If you have good or excellent credit, that helps quite a bit.
If you have too many recent credit applications or missed payments on your credit report, you may not be approved. Your credit utilization ratio is too high. Your credit utilization ratio, or how much credit card debt you have compared to your available credit, is something that factors into your credit score.
For males, the Ace of Spades, King of Spades, and King or Jack of Diamonds (?) is one of the first choices. For females, ace of hearts, queen of hearts and diamonds are normally the ones right off the bat. The 9 of clubs is the least chosen card.
However, even if you find out you are preapproved for a credit card, you could still be denied. That's because preapproval involves a soft credit check, which only gives a snapshot of your current financial situation.
Getting pre-approved for a Capital One card in a nutshell
The process is simple, and you typically only have to answer a few qualifying questions to determine your eligibility. While it's not guaranteed you'll be approved for a credit card, getting pre-approved first can give you a better idea of your options.
Getting pre-qualified or pre-approved for a credit card doesn't guarantee approval. Pre-qualification and pre-approval for credit cards both typically involve soft inquiries, which don't affect credit scores.
Anyone applying to a sought-after Chase card like Chase Freedom Unlimited will likely have a better chance of approval with a score of at least 670, but higher is always better. Just as a score of 670 or above doesn't guarantee approval, having a score lower than 670 doesn't guarantee a rejection.
One of the best credit cards for a 480 score is the OpenSky® Secured Visa® Credit Card because it does not require a credit check and its annual fee is relatively low at $35. This credit card requires a security deposit of at least $200 to open the account.
It's not hard to get a Chase Freedom card. If you're building credit, you could qualify for the Chase Freedom Rise℠ Credit Card, even if you don't have a credit score yet. The Chase Freedom Unlimited® and Chase Freedom Flex℠ are more difficult to get, as they generally require a good credit score of 670 or higher.
- Winner: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
- Runner-up: Discover it® Secured Credit Card.
- Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
- Best low deposit: Capital One Platinum Secured Credit Card (see rates and fees)
What is the fastest way to get a credit card?
Online. Applying for a credit card online is often the quickest option. You could get an instant answer to your application. And if you're approved, some lenders may give you a virtual card number you can start using straight away.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Apply for a secured credit card, typically the easiest type of credit card to qualify for. Use a tool like *Experian Boost™ to get credit for paying some monthly bills on time. Consider taking out a credit builder loan, typically the easiest type of loan to qualify for.
Some customers will be approved nearly instantly after submitting their application online. However, Chase may give you a notification that your application is under review, and it may take up to 15 business days for a decision.
One of the best store credit cards for a 550 credit score is the Fingerhut Credit Account. This card has a $0 annual fee and will help you build credit as it reports monthly to the major credit bureaus.
