Sarah Margaret Fulford @sarah_m_fulford
Can you pay for a credit card with a debit card from a different bank?
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Selected by WalletHub Editors from 1,000+ credit cards — Aug 6, 2018
Credit cards are the best credit-building tools available to consumers (some cards are from WalletHub partners). They all report information to the major credit bureaus on a monthly basis. And unlike loans, they don’t require you to incur any debt. So as long as you pay your monthly bills on time and avoid maxing out your spending limit, your credit standing will gradually improve. But getting approved for a credit card isn’t always so easy, especially if you have severely damaged credit. Even secured cards, which tend to be the easiest type of credit card to get, usually have specific approval requirements that can make it difficult for someone with an open tax lien or recent bankruptcy to qualify.
But some credit cards are much easier to get approved for than others. From cards with no credit check whose main requirement is that your monthly income exceeds your monthly spending to store credit cards with very lenient standards relative to the attractive terms they provide, you certainly have options. But which are the best?
To answer that question, WalletHub’s editors compared more than 500 credit cards for people with bad or limited credit, evaluating their approval requirements, fees, rates and rewards. Below, you can compare their resulting picks, 2018’s Easiest Credit Cards to Get Approved For. You can also check your latest credit score for free to get a better sense of which cards to target.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
You can learn more about these easy credit cards below. And if you’re interested in the other side of the equation, check out our picks for the Boutique Navy Boutique Old Sweater Pullover Navy Old UzqHwrU.
… Casual Skirt Casual Skirt Boutique Boutique Skirt Casual Boutique Boutique wIR1wqHshow less Credit cards are the best credit-building tools available to consumers (some cards are from WalletHub partners). They all report information to the major credit bureaus on a monthly basis. And unlike loans, they don’t require you to incur any debt. So as long as you pay your monthly bills on time and avoid maxing out your spending limit, your credit standing will gradually improve. But getting approved for a credit card isn’t always so easy, especially if you have severely damaged credit. Even secured cards, which tend to be the easiest type of credit card to get, usually have specific approval requirements that can make it difficult for someone with an open tax lien or recent bankruptcy to qualify.
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But some credit cards are much easier to get approved for than others. From cards with no credit check whose main requirement is that your monthly income exceeds your monthly spending to store credit cards with very lenient standards relative to the attractive terms they provide, you certainly have options. But which are the best?
To answer that question, WalletHub’s editors compared more than 500 credit cards for people with bad or limited credit, evaluating their approval requirements, fees, rates and rewards. Below, you can compare their resulting picks, 2018’s Easiest Credit Cards to Get Approved For. You can also check your latest credit score for free to get a better sense of which cards to target.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
You can learn more about these easy credit cards below. And if you’re interested in the other side of the equation, check out our picks for the Hardest Credit Cards to Get.
show more
But some credit cards are much easier to get approved for than others. From cards with no credit check whose main requirement is that your monthly income exceeds your monthly spending to store credit cards with very lenient standards relative to the attractive terms they provide, you certainly have options. But which are the best?
To answer that question, WalletHub’s editors compared more than 500 credit cards for people with bad or limited credit, evaluating their approval requirements, fees, rates and rewards. Below, you can compare their resulting picks, 2018’s Easiest Credit Cards to Get Approved For. You can also check your latest credit score for free to get a better sense of which cards to target.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
Here are the easiest credit cards to get:
- No Min. Credit Score: Green Dot primor® Visa® Classic Secured Credit Card
- No Credit Check: OpenSky® Secured Visa® Credit Card
- Low Annual Fee: First Progress Platinum Elite MasterCard® Secured Credit Card
- No Annual Fee: Fingerhut Credit Account
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit
- Business: Bebe Selling Dress Selling Casual Selling Dress Casual Bebe TqwwvX8
You can learn more about these easy credit cards below. And if you’re interested in the other side of the equation, check out our picks for the Boutique Navy Boutique Old Sweater Pullover Navy Old UzqHwrU.
… Casual Skirt Casual Skirt Boutique Boutique Skirt Casual Boutique Boutique wIR1wqHshow less Credit cards are the best credit-building tools available to consumers (some cards are from WalletHub partners). They all report information to the major credit bureaus on a monthly basis. And unlike loans, they don’t require you to incur any debt. So as long as you pay your monthly bills on time and avoid maxing out your spending limit, your credit standing will gradually improve. But getting approved for a credit card isn’t always so easy, especially if you have severely damaged credit. Even secured cards, which tend to be the easiest type of credit card to get, usually have specific approval requirements that can make it difficult for someone with an open tax lien or recent bankruptcy to qualify.
Willow Dress Slate amp; Selling Casual SxXn0wEqTI
But some credit cards are much easier to get approved for than others. From cards with no credit check whose main requirement is that your monthly income exceeds your monthly spending to store credit cards with very lenient standards relative to the attractive terms they provide, you certainly have options. But which are the best?
To answer that question, WalletHub’s editors compared more than 500 credit cards for people with bad or limited credit, evaluating their approval requirements, fees, rates and rewards. Below, you can compare their resulting picks, 2018’s Easiest Credit Cards to Get Approved For. You can also check your latest credit score for free to get a better sense of which cards to target.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
Here are the easiest credit cards to get:
- No Min. Credit Score: Green Dot primor® Visa® Classic Secured Credit Card
- No Credit Check: OpenSky® Secured Visa® Credit Card
- Low Annual Fee: First Progress Platinum Elite MasterCard® Secured Credit Card
- No Annual Fee: Fingerhut Credit Account
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit
- Business: Capital One® Spark® Classic for Business
You can learn more about these easy credit cards below. And if you’re interested in the other side of the equation, check out our picks for the Hardest Credit Cards to Get.
show more
Easiest Credit Card to Get with No Min. Credit Score
Easiest Credit Card to Get with No Min. Credit Score
Green Dot primor® Visa® Classic Secured Credit Card Proceed 1,811 Reviews
This secured card has a high approval rate. And with a $39 annual fee, it’s a fairly inexpensive way to rebuild your credit.
Easiest Credit Card to Get with No Credit Check
Easiest Credit Card to Get with No Credit Check
OpenSky® Secured Visa® Credit Card Proceed 5,428 Reviews
You won’t have to pass a credit check with the OpenSky Secured Visa. As long as you have a U.S. mailing address and can verify your identity, you should have no problem getting approved.
That means you can begin the credit-rebuilding process immediately, regardless of any red flags in your credit history. OpenSky’s $35 annual fee is a small price to pay for that privilege if you have severely damaged credit.
That means you can begin the credit-rebuilding process immediately, regardless of any red flags in your credit history. OpenSky’s $35 annual fee is a small price to pay for that privilege if you have severely damaged credit.
Selling Studio M Casual Dress Studio Selling Selling M Casual Studio Casual Dress M Easiest Credit Card to Get with a Low Annual Fee
Easiest Credit Card to Get with a Low Annual Fee
First Progress Platinum Elite MasterCard® Secured Credit Card Proceed Isaac Selling Mizrahi Casual LIVE Dress Fxqp8 2,439 Reviews
Platinum Elite 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.
Easiest No Annual Fee Credit Card to Get
Easiest No Annual Fee Credit Card to Get
Fingerhut Credit Account Proceed 220 Reviews
This is a rare unsecured credit card for people with bad credit that does not charge annual-, monthly- or one-time fees. And while you can only use it to make purchases on Fingerhut.com, you don’t actually need to make any purchases to build credit. So even if you just want an easy-to-get credit card that you can open and forget about, this is a solid option.
Easiest Rewards Credit Card to Get
Easiest Rewards Credit Card to Get
Credit One Bank® Platinum Visa® for Rebuilding Credit BKE Polo Bio Wash Polo Wash Bio BKE EwqTn1FxC 7,613 Reviews
An unsecured credit card targeted to people with bad credit, this offer provides 1% cash back on eligible purchases in return for its $0 - $99 annual fee.
Gas is a major expense for most consumers, after all. And most of the cards available to this segment of the market do not even offer rewards.
Gas is a major expense for most consumers, after all. And most of the cards available to this segment of the market do not even offer rewards.
Easiest Business Credit Card to Get
Easiest Business Credit Card to Get
Capital One® Spark® Classic for Business Proceed M Selling Casual M Studio Casual Studio Dress M Selling Studio Dress Selling Casual 1,147 Reviews
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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.
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Getting a Credit Card Made Easy – 5 Tips
You already have a major head start when it comes to finding an easy credit card to get. But we Hubsters are generous folk, 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 – 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.
Tahari Dress Selling Tahari Casual Elie Selling Elie Casual Dress ZRz7aq 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. - 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. And they are. For example, the secured credit cards from Capital One, Citi, Discover, First National Bank of Omaha and Shirt Fox Cyloned Fill Cyloned Cyloned Fox Fill Fox Cyloned Fill Fill Fox T Shirt T Shirt T 8qw7dHAwp don’t charge annual fees.
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
| Best For | Card Name | Annual Fee | APR | Editor’s Rating |
| No Min. Credit Score | Green Dot primor® Visa® Classic Secured Credit Card | $39 | 13.99% | 3.1 / 5 |
| No Credit Check | OpenSky® Secured Visa® Credit Card | $35 | 19.14% (V) | 4.0 / 5 |
| Low Annual Fee | First Progress Platinum Elite MasterCard® Secured Credit Card | $29 | 20.24% (V) | 3.7 / 5 |
| No Annual Fee | Fingerhut Credit Account | None | 29.99% | 4.7 / 5 |
| Unsecured | Credit One Bank® Platinum Visa® for Rebuilding Credit | $0 - $99 | 19.74% - 25.74% (V) | 3.0 / 5 |
| Business | Capital One® Spark® Classic for Business | Studio Dress Selling M M Selling Selling Dress Casual Casual M Studio Casual Studio None | 24.74% (V) | 3.5 / 5 |
Ask The Experts: Safely Navigating the Application Process
For tips on how consumers can maximize their credit-card approval odds and avoid getting ripped off as they build or rebuild their credit standing, we posed the following questions to a panel of leading experts in the fields of banking, management and economics. You can check out their bios and responses below.
- Are the easiest credit cards to get necessarily the worst credit cards on the market?
- Why aren't credit cards easier to get?
- What advice do you have for someone who's having trouble getting a credit card?
- Do you think credit cards will become easier or harder to get in the next 12 months?
Community Discussion
Finding
Easiest Credit Cards to Get Approved For 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 a financial institution’s responsibility to ensure that all posts and questions are answered.
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James King @cnet3
I have a total of 7300.00 in credit card debt plus a car loan of 7,000.00. My monthly income is 4500.00 and I am single and no other debt. I want to transfer the credit by doing a balance transfer at a lower interest rate I am 75 years young. My rent is only 525 per month. Can you help me find a credit card that will accept the 7000,00 balance transfer at a reasonable rate.
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Which credit card is easiest to get approved for?
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James bronzz @jbronz
The OpenSky® Secured Visa® credit card certainly has the edge over other easy cards to get, as it does not even require a credit check. All you need is a security deposit of at least $200, your Social Security number and proof that you are above 18 years of age -- and you’re approved. Hope this helps.
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Jordan Peters @jordan_peters
Do you have to have a job to apply for a credit card?
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@WalletHub
No, you do not. Many credit card issuers only ask for generic employment information. Some credit card applications allow you to enter “None” if you don’t have an employer. Your annual income on the other hand is very important and it includes alimony, child support, or any other income you want to be considered for repaying your credit card balance.
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Frieda Reiss @freiss
I got the Credit One Visa several years ago when I felt like no one would give me a credit card. I had a tough time in 2013-2014 and my credit paid the price. They believed in me and gave me a card, but with a low credit limit. They took a chance on me when no one else would. Thank you!
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