The Definitive Guide to the Easiest Credit Cards to Get

Sections of this topic

    ‍Navigating the world of credit cards can be a convoluted task, especially for those new to it or who have had a rocky credit history.  This article will guide you through obtaining the most accessible credit cards to get to give you more clarity. We will discuss the pros and cons of easy-approval credit cards, who they are most suited for, and the methodology used to select the most accessible credit cards.

    Do easy credit cards-to-get have membership statement credits?

    Easy approval credit cards might only sometimes offer membership statement credits as a feature. These cards typically focus on accessibility, often catering to individuals with fair to poor credit or those building credit.

    Statement credits are benefits offered by some premium or rewards credit cards. These credits are often tied to specific spending categories, such as travel, dining, or other select purchases, and can offset certain expenses reflected on your monthly statement.

    While easy approval credit cards may not commonly feature statement credits, they might provide other benefits such as:

    Lower Fees:

    Some cards may have lower annual fees or no annual fees at all.

    Credit-Building Tools:

    These cards might offer features to help improve credit, such as credit monitoring or reporting to major credit bureaus.

    Basic Rewards:

    Certain easy approval cards may offer basic cash back or rewards on purchases, albeit at lower rates than premium cards.

    However, the exact benefits and features of any credit card, including easy approval cards, can vary widely. It’s essential to review each specific card’s terms and conditions to understand its benefits, including any statement credits or rewards programs available.

    What are secured cards versus an unsecured card?

    Secured and unsecured cards differ primarily in how they’re backed and who they’re suitable for:

    Secured Credit Cards:

    Backed by a Deposit:

    Secured cards require a cash deposit as collateral, which usually determines the card’s credit limit. The deposit acts as security for the issuer in case of non-payment.

    Building Credit:

    These cards are often recommended for individuals with limited or poor credit history. Using a secured card responsibly—making timely payments and keeping balances low—can help establish or rebuild credit.

    Lower Risk for Lenders:

    Because the deposit reduces the risk for the issuer, secured cards are more accessible to individuals with lower credit scores or those without a credit history.

    Transition to Unsecured:

    Some secured card issuers may review your account after a period of responsible use and transition you to an unsecured card while returning the deposit.

    Unsecured Credit Cards:

    No Collateral Required:

    Unsecured cards don’t require a deposit or collateral to open the account. The credit limit is typically determined by the card issuer based on your creditworthiness, income, and credit history.

    Credit-Based Approvals:

    These cards are for individuals with established credit or a higher credit score. Approval depends on factors like credit history, income, and debt-to-income ratio.

    Varied Features:

    Unsecured cards often offer a range of benefits, such as rewards programs, travel perks, cashback incentives, and introductory 0% APR periods.

    Higher Risk for Lenders:

    Since these cards aren’t backed by collateral, lenders take on more risk, and approval usually requires a more robust credit profile.

    Choosing between secured and unsecured cards often depends on your current credit situation. Secured cards are a starting point for building or repairing credit, while unsecured cards cater to those with established credit and offer more diverse features and benefits. As your credit improves, you may qualify for better-unsecured card options.

    Who Needs Easy Approval Credit Cards?

    Easy approval credit cards are designed for individuals with a less-than-stellar credit history, limited credit, or no credit. These cards are generally more accessible because they are designed to help consumers build or rebuild their credit profiles.

    Pros and Cons of Approval Credit Cards


    • Credit Building: These cards report to the major credit bureaus, helping you build your credit profile with responsible use.
    • Accessibility: They are more accessible to people with low or no credit scores.
    • Initial Credit Line: Some cards offer an initial credit line increase after a certain period of responsible use.


    • Annual Fees: Some easy-approval credit cards come with annual fees.
    • High-Interest Rates: These cards typically have higher interest rates than cards for people with good to excellent credit.
    • Limited Rewards: Many easy approval cards do not offer significant rewards or cash back.

    Easy Approval Credit Cards To Get Versus Instant Approval Credit Cards

    “Easy approval” and “instant approval” credit cards aim to offer accessibility to individuals with varying credit profiles, but their application processes and approval timelines differ.

    Easy Approval Credit Cards:

    Approval Process:

    • Easy approval credit cards generally have less stringent eligibility criteria. They may target individuals with fair to good credit but could be accessible to those with limited or poor credit.
    • The application process for easy approval cards might involve a basic credit check or might not require a credit history at all. They often emphasize income stability or employment status rather than focusing solely on credit scores.

    Approval Time:

    • While not necessarily instant, these cards might have a quicker approval process compared to traditional credit cards targeting higher credit tiers. Approval might take a few days to a couple of weeks.

    Instant Approval Credit Cards:

    Approval Process: Instant approval credit cards typically have a streamlined application process. They often use automated systems to provide an instant decision based on basic information provided during the application.

    Application: Applicants need to submit necessary personal and financial details. The issuer uses automated systems to assess the provided information for an immediate decision.

    Approval Time: As the name suggests, these cards aim to provide a decision within minutes of completing the application. However, instant approval doesn’t guarantee instant access to credit; the card might take a few days to arrive by mail.

    When considering these cards, it’s crucial to note that easy or instant approval sometimes means better terms or rewards. Some cards might have higher interest rates or fewer benefits due to their increased accessibility.

     It’s advisable to review the terms, interest rates, fees, and benefits associated with each card to determine which suits your financial needs and credit situation best. Additionally, multiple credit inquiries within a short period may impact your credit score, so apply selectively.

    What is the Minimum Spending on the Easiest Credit Cards to Get?

    The minimum spending requirements on the easiest credit cards to get can vary significantly. Some easy-to-get cards have different minimum spending requirements, while others could request a modest spending target within a few months of card activation. Reviewing each card’s terms and conditions is essential as these details about minimum spending can differ among various credit cards.

    Can you use the easiest credit cards to make purchases at gas stations and grocery stores and make other purchases?

    The easiest credit cards are accepted for purchases beyond gas stations and grocery stores. Depending on the card’s acceptance network, you can use these cards for everyday purchases and expenses like dining out, shopping for clothing or electronics, paying bills, entertainment expenses, and more. They offer flexibility for various everyday purchases to accommodate different spending needs.

    >>Recommended Reading: Discover the 8 Best Instant Approval Business Credit Cards of 2023<<

    Methodology for Picking the Most Accessible Credit Cards to Get

    While selecting the easiest credit cards to get, we considered several factors, such as the approval requirements for new applicants, their fees, rates, rewards, credit score requirements, and other notable features. Cards that offered straightforward terms and were designed for consumers with bad or limited credit were given preference.

    Easiest Credit Cards to Get: A Comprehensive Review

    This section will delve into the specifics of various easy-to-get credit cards, discussing their features, rewards, APR, and more.


    The Citi Double Cash® Card distinguishes itself with a straightforward rewards system, offering a competitive 2% cash back—1% on purchases and an additional 1% when paying off those purchases.

    Ideal User

    Perfect for those seeking simple rewards and committed to monthly balance payments, particularly suited for individuals valuing cash back over travel rewards or points.

    Key Features

    • 0% intro APR on Balance Transfers for 18 months.
    • No annual fee.
    • Various security and travel protections.
    • Rewards Highlights
    • Earn 2% on every purchase: 1% cash back when purchasing and another 1% upon payment.
    • Regular APR varies from 15.24% to 25.24% Variable APR.
    • No welcome bonus.
    • Foreign Transaction Fee of 3% in US dollars.
    • Requires a good to excellent credit score.

    Why is an easy credit card to get?

    Here are the reasons why the Citi Double Cash® Card is considered an accessible option:

    Good Credit Approval:

    Tailored for individuals with good to excellent credit scores.

    Straightforward Requirements:

    Approval criteria focus on creditworthiness, income, and a history of responsible credit use.

    Simplified Rewards:
    A straightforward cashback system offers 1% when you make a purchase and another 1% when you pay for those purchases, totaling 2% cash back on all purchases.

    Popularity and Attraction:
    Widely recognized and popular due to its simplicity in rewards structure, attracting applicants seeking straightforward rewards without stringent qualification requirements.

    While it’s considered more accessible for those with good credit scores, approval ultimately hinges on various factors, including credit history, income, and overall creditworthiness. Applicants with more robust credit profiles tend to have better chances of approval.

    Bank of America® Customized Cash Rewards Secured Credit Card


    This card helps you boost your credit and gives you cash back! There are no annual fees here; you get rewards in categories like gas, online shopping, dining out, traveling, hitting the drug stores, or improving your home.

    Who’s It For?

    Perfect for folks looking to start or rebuild credit.

    Ideal For:

    Great for anyone wanting a secure card that boosts credit and gives cash-back rewards.

    Key Features:

    • No annual fees.
    • Get cash back in a category you choose.
    • You’ll see your FICO Score for free.
    • Earn 3% cash back in your top class, 2% at grocery stores, and 1% on everything else.
    • The regular APR is 28.24% variable.
    • No intro APR or welcome bonus.
    • For foreign transactions, there’s a 3% fee in U.S. dollars.
    • You’ll need a credit score showing poor to fair credit.


    This card lets you pick reward categories. Great for building credit and earning rewards on your purchases.

    Who’s It For?

    It is for people aiming to boost credit while enjoying cash back.

    Ideal For:

    It is ideal for those wanting a secure card that helps improve credit and earns rewards.

    Key Features:

    • Secure your card with a $200 minimum refundable deposit.
    • No annual fees.
    • Build credit responsibly.
    • Earn 5% cash back on your chosen categories, 2% on daily stuff, and 1% on the rest.
    • The regular APR is 28.49% variable.
    • No intro APR or welcome bonus.
    • Charges a 2% fee for foreign transactions in U.S. Dollars.
    • Requires a credit score showing poor to fair credit.


    It’s for people new to credit or those rebuilding. No annual fees and cash-back rewards!

    Who’s It For?

    For those looking to start or rebuild credit and earn cash back.

    Ideal For:

    Great for folks seeking cash-back rewards without annual fees.

    Key Highlights:

    • Apply without a credit score.
    • No annual fees.
    • Earn cash back while building credit.
    • Get 2% cash back at Gas Stations and Restaurants and 1% on everything else.
    • The regular APR is 28.24% Variable APR.
    • Offers Unlimited Cashback Match after your first year.
    • No foreign transaction fees.
    • 3% intro balance transfer fee, up to 5% for future transfers.
    • No credit score is needed for an application.


    This card builds credit without credit checks or deposits, focusing on subscriptions like Netflix or Spotify.

    Who’s It For?

    Perfect for those aiming to build credit without credit checks or deposits.

    Ideal For:

    Great for anyone wanting a secure card without credit checks or deposits, focusing on subscriptions to build credit.

    Key Features:

    • No credit checks are needed.
    • No deposits are required.
    • Focuses on responsible credit building without offering rewards.
    • No APR because you can’t carry a balance.
    • No intro APR, welcome bonuses, foreign transaction fees, or balance transfer fees.
    • No credit score is needed for an application.

    These cards offer ways to build or rebuild credit while earning rewards or without the typical credit checks or deposits, making the journey to better credit more straightforward and rewarding.


    A unique credit card that doesn’t just rely on your traditional FICO score. It assesses your income, expenses, savings, and debts to determine creditworthiness.

    Who’s It For?

    They are designed for those building or rebuilding credit outside the traditional FICO scoring model.

    Ideal For:

    Perfect for anyone who wants a card assessing credit based on income, expenses, savings, and debts.

    Key Features:

    • No annual or foreign transaction fees.
    • Build credit through responsible use.
    • Offers up to 1.5% cash back on eligible purchases after 12 on-time monthly payments.
    • The regular APR varies between 25.24% and 34.74%. Variable.
    • No intro APR, welcome bonus, foreign transaction, or balance transfer fees.
    • There is no specific credit score requirement for application.


    This secured credit card offers cash-back rewards with deficient approval requirements among secured cards.

    Who’s It For?

    It is tailored for individuals who build or rebuild credit while earning cash-back rewards.

    Ideal For:

    Great for those seeking cash-back rewards through a secured card with easy approval.

    Key Features:

    • No annual fees.
    • Uncommon cash back earning for a secured card.
    • Free monthly FICO score access.
    • Earn 1X points per dollar spent.
    • Regular APR stands at 18.00% variable.
    • No intro APR, welcome bonus, foreign transaction, or balance transfer fees.
    • No specific credit score is needed for an application.


    This secured card offers a unique credit-building path without requiring an upfront deposit or credit check.

    Who’s It For?

    For individuals looking to build or rebuild credit without upfront security deposits or credit checks.

    Ideal For:

    Ideal for those seeking a unique path to build credit without deposits or credit checks.

    Key Features:

    • No credit check or upfront deposit is required.
    • Build credit through responsible card use.
    • No rewards are offered.
    • Regular APR is a 24.07% variable.
    • No intro APR, welcome bonus, foreign transaction, or balance transfer fees.
    • No specific credit score is required for the application.


    The Tomo Credit Card doesn’t demand a security deposit or credit check. It helps build credit through qualifying subscriptions like Netflix or Spotify.

    Who’s It For?

    It is designed for individuals aiming to build or rebuild credit without security deposits or credit checks.

    Ideal For:

    Perfect for those seeking credit-building without deposits or credit checks, using qualifying subscriptions.

    Key Features:

    • No credit check or security deposit is required.
    • Build credit responsibly without offering rewards.
    • Regular APR is nonexistent since you can’t carry a balance.
    • No intro APR, welcome bonus, foreign transaction, or balance transfer fees.
    • No specific credit score is required for the application.


    This card targets individuals with bad credit who are aiming to rebuild. It offers cash back on gas, groceries, and specific services like mobile, internet, cable, and satellite TV.

    Who’s It For?

    It is designed for individuals with bad credit who are looking to rebuild their credit.

    Ideal For:

    Great for those with bad credit who want cash-back rewards on specific purchases.

    Key Features:

    • Earns 1% cash back on eligible gas, groceries, and specific services.
    • Zero fraud liability for unauthorized charges.
    • Automatic reviews for credit line increases.
    • Regular APR is 29.24% Variable.
    • No intro APR, welcome bonus, foreign transaction, or balance transfer fees.
    • Requires a bad credit score for approval.

    Visa Credit Cards and Cash Rewards for Various Credit Scores

    Securing a credit card demands a good credit score more often than not, especially for those offering cash rewards. However, for individuals with bad credit, obtaining a credit card can be challenging due to the credit score required.

    A Visa credit card, known for its global acceptance, might still be achievable through certain banks or issuers catering to those with bad credit. While cash rewards credit cards are appealing, they typically demand a decent credit score. Establishing a bank account also plays a vital role in improving credit and becoming eligible for a credit card, especially if seeking a Visa credit card that offers all the cash rewards.

    Bottom Line: Easiest Credit Cards To Get

    Choosing one of the easiest credit cards to get can take time and effort, mainly if you are new to credit cards or have a less-than-stellar credit profile. However, with the correct information and guidance, you can find a credit card that suits your needs and helps you build or rebuild your credit. Whether you choose a secured or unsecured card, a traditional credit card, or a store card, remember to use your card responsibly, make payments on time, and monitor your credit score regularly. In doing so, you will not only improve your credit but also pave the way towards financial freedom.

    >>Recommended Reading: Navigating the Best Fuel Cards for Small Businesses in 2023<<

    Frequently Asked Questions (FAQs) on Easiest Credit Cards To Get