What type of credit card is easiest to get approved for?
If you have a credit score of 500, the easiest credit cards to get will be secured credit cards that require a deposit, such as the Discover it® Secured Credit Card or U.S. Bank Cash+® Visa® Secured Card.
Discover it® Secured Credit Card. 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.
| Card Name | Best For | Annual Fee |
|---|---|---|
| OpenSky® Secured Visa® Credit Card | No Credit Check | $35 |
| OpenSky® Plus Secured Visa® Credit Card | No Annual Fee | $0 |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured | $75 intro 1st yr, $99 after |
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.
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.
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.
| Credit card | Annual fee |
|---|---|
| Blue Cash Everyday® Card from American Express | $0 |
| Chase Sapphire Preferred® Card | $95 |
| Quicksilver Secured from Capital One | $0 |
| The Platinum Card® from American Express | $695 (see rates) |
It's typically meant for people with bad or no credit. Used responsibly, it's an opportunity to build or improve your credit report. Many banks don't require good or excellent credit with second chance credit products, and a few have credit solutions that offer a second chance to start over (or start from scratch).
- Use a secured credit card. With no credit or bad credit, your best starting point may be a secured credit card. ...
- Consider tools that can boost your credit score. ...
- Always pay on time. ...
- Keep your balances low. ...
- Become an authorized user. ...
- Fix errors on your credit report.
- Chase Freedom Rise℠ New to Credit. ...
- Petal® 2 “Cash Back, No Fees” Visa® Credit Card. Limited, Fair, Good, Excellent. ...
- Capital One Platinum Credit Card. Average, Fair, Limited. ...
- Petal® 1 “No Annual Fee” Visa® Credit Card. Fair, No Credit. ...
- Upgrade OneCard.
What cards give you an instant card number?
As you'll notice from the cards mentioned above, instant card numbers primarily come with Amex cards, co-branded cards and store cards. That leaves out many major card issuers, such as Discover and Chase, so you'll have to wait roughly 10 business days to receive those cards in the mail before being able to use them.
Credit cards are often denied because the applicant's credit score is too low. Each credit card requires a minimum credit score range — and if your credit score is not high enough to fall within that range, the lender might deny your credit card application.
Instant approval credit cards are the norm these days. Major credit card issuers like American Express, Chase, Citi and more can give you a "yes" or "no" within seconds of receiving your online application and reviewing the data you included, like your Social Security number, income and contact information.
| Credit card | NerdWallet rating | Rewards rate |
|---|---|---|
| Chase Sapphire Preferred® Card Apply Now on Chase's website on Chase's website | 5.0/5 | 1x-5x Points |
| Blue Cash Preferred® Card from American Express Apply Now on American Express' website on American Express' website Rates & Fees | 5.0/5 | 1%-6% Cashback |
While there is no minimum credit score to get a credit card, you'll need a higher credit score to qualify for the best credit cards available. Typically, travel credit cards and cash-back credit cards are reserved for borrowers with good to excellent credit (670 and above on the FICO scale).
Your First Credit Card
The Prosper® Card also offers no security deposit and no ATM cash withdrawal fees1. You're eligible for a starting credit limit from $500-$3000, with automatic credit limit reviews based on your credit behavior3.
The Capital One Platinum Secured Credit Card (see rates and fees) is easier to qualify for because it's a secured card, which means you'll need a security deposit to open the card. Although the card doesn't come with any rewards, you'll have an easier time getting approved even if you have a weaker credit score.
Secured credit cards are typically one of the easiest types of credit cards to be approved for. Bank of America issues several different secured credit cards, including the Bank of America® Customized Cash Rewards Secured Credit Card and the BankAmericard® Secured 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 FICO® Scores of 670 or above. If you have good or excellent credit, that helps quite a bit.
You can get an instant credit card from IndusInd Bank in 3 easy steps. For a new credit card, apply by filling in basic details such as your PAN number, Mobile No and Email ID and do a quick e-KYC to confirm your address details.
What credit score do I need to prequalify for a credit card?
Though there is no minimum credit score needed to prequalify, some issuers may require basic financial information such your annual income and monthly housing payment. Others may also ask for your debt obligations and how much you have in savings.
Most cards offered by Citi require a good to excellent credit score—670 to over 800. The cards with such requirements are some of the most rewarding cards offered, but there are options if your score is not quite at that level.
The interlocking red and yellow circles, known as the Mastercard Symbol, can now stand on its own. As the consumer and commerce landscape continues to evolve, the Mastercard Symbol is a modern and flexible brand design optimized to work seamlessly across the digital landscape.
No, you cannot get a credit card with no money because the law requires credit card issuers to verify that applicants have the ability to make monthly payments before approving them for an account. Still, you may be able to get a credit card without a paycheck from a job if you have reasonable access to other income.
Can you get a Capital One credit card after defaulting on one? Yes, it is possible to get a Capital One credit card after defaulting on one. However, Capital One will likely deny your application for a credit card if you have a non-discharged bankruptcy on your credit report.
