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If you're looking for a stress-free application process, you probably want to know the easiest credit card to get. A denial on a credit card application isn't the end of the world, but it's inconvenient and can be frustrating, too. You can reduce the likelihood of that by going with an easy-approval credit card. There are lots of credit cards like this that tend to be much easier to open. On this list, you'll find the easiest credit card to get overall, plus easy-approval cards for every credit score range.
Great for: No credit check
New/Rebuilding Under(579)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.64%, variable
Rewards
N/A
Annual Fee
$35
Welcome Offer
N/A
A good option for new to credit applicants. The fact that there's no credit check could justify the annual fee for some cardholders Read Full Review
Great for: Easiest credit card to get with excellent credit
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 28.24% Variable APR
Rewards Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
1% - 5% Cashback
Annual Fee
$0
Welcome Offer N/A
Discover will match all the cash back you’ve earned at the end of your first year.
We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories (when you activate them, up to the quarterly maximum) and 1% on other purchases. Read Full Review
Great for: Excellent credit and travel
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49%-28.49% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Annual Fee N/A
$95
Welcome Offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 bonus points
The enormous welcome bonus (worth $750), bonus travel and dining rewards, and $50 annual hotel credit alone make this card well worth the annual fee. This card’s points are valuable and easy to use, as you can redeem them at 25% more value for Chase Travel bookings, giving it less of a learning curve than other travel cards. It also has a strong list of travel protections you don't see often from such an affordable card, including primary rental car insurance, trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. Read Full Review
Great for: Excellent credit and cash back
Fair to Excellent (580-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
19.24% - 29.24% (Variable)
Rewards 2% cash back: 1% when you buy plus 1% as you pay
Up to 2% cash back
Annual Fee
$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
20,000 ThankYou® Points
This card combines a top-notch balance transfer offer for 18 months with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges. Read Full Review
Great for: Easiest credit card to get with good credit
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
20.49% - 29.24% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee N/A
$0
Welcome Offer Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase. Read Full Review
Great for: Good credit and travel
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 28.24% Variable APR
Rewards Automatically earn unlimited 1.5x Miles on every dollar of every purchase
1.5X miles
Annual Fee
$0
Welcome Offer N/A
Discover will match all the Miles you’ve earned at the end of your first year.
A straightforward, no annual fee travel rewards card built for occasional travelers. The unlimited Miles and welcome offer are standout perks. Read Full Review
Great for: Easiest credit cards to get with fair credit
Fair (300-669)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
29.99% (Variable)
Annual Fee
$0
Welcome Offer N/A
N/A
One of the leading cards among its competitors, mainly due to its focus on cutting nuisance fees, such as annual dues and for foreign transactions. Read Full Review
Great for: Easiest credit card to get with bad credit
New/Rebuilding Under(579)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.64%, variable
Rewards
N/A
Annual Fee
$35
Welcome Offer
N/A
A good option for new to credit applicants. The fact that there's no credit check could justify the annual fee for some cardholders Read Full Review
Great for: Bad credit secured credit card
New/Rebuilding Under(579)
Intro APR
Purchases: n/a
Balance Transfers: 10.99%, 6 months
Regular APR
28.24% Variable APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
1% - 2% Cashback
Annual Fee
$0
Welcome Offer
Discover will match all the cash back you’ve earned at the end of your first year.
We think this card has among the highest cash back potential for a secured card with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches the cash back new cardholders earn at the end of the first year. This card could be perfect for you if you're new to credit, or rebuilding after past troubles. Read Full Review
Great for: Easiest credit cards to get with no credit
Fair/New to Credit Under(669)
Regular APR
18.24 - 32.24% Variable
Rewards
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.
If you need to build or rebuild credit, pay attention to this card. You qualify based on bank information, rather than credit, and there are no fees of any kind. Best of all, if you pay your monthly bill on time every time, your cash back rate will grow from 1% to 1.5% on purchases over your first year.
Great for: Students with no credit
Fair/New to Credit Under(669)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 10.99%, 6 months
Regular APR
18.24% - 27.24% Variable APR
Rewards 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
1% - 5% Cashback
Annual Fee
$0
Welcome Offer N/A
Discover will match all the cash back you’ve earned at the end of your first year.
Student credit cards are sometimes light on perks, but this Discover one might surprise you. You can earn 5% cash back on up to $1,500 of spending in rotating bonus categories -- just opt in every quarter. And earning 1% back on other purchases plus an innovative Unlimited Cashback Match welcome bonus makes this one worth considering for college students. Read Full Review
The easiest credit card to get is the OpenSky® Secured Visa® Credit Card. OpenSky doesn't run a credit check on applicants, so you can get the card with a bad credit history, or even no credit history at all.
This is an instant approval credit card, but you will have to pay a security deposit to open the account. You can choose a deposit amount from $200 to $3,000, and that deposit will be your card's credit limit. This card also charges a $35 annual fee.
Although the OpenSky® Secured Visa® Credit Card is the easiest card to get overall, it's not right for everyone. It's better, if you can, to find a quality easy-approval card that also fits your credit score.
Here are the best credit cards for different score ranges.
The easiest credit card to get with excellent credit is the Discover it® Cash Back. The recommended credit score for this card is 670 or higher. Since excellent credit starts at a FICO® Score of 720, you may exceed that recommendation by a wide margin.
When you have excellent credit, you can qualify for just about any credit card. You don't need to worry too much about what's the easiest credit card to get, because there won't be many that are out of your reach. The Chase Sapphire Preferred® Card and the Citi Double Cash® Card are also some other good options for excellent credit.
The easiest credit card to get with good credit is the Chase Freedom Unlimited®. The recommended credit score to get this card is 670 or higher. With good credit, you'll meet that recommendation. In addition to being easy to get, this card offers a lucrative cash back program, earning from 1.5% to 5%, depending on the type of purchase.
When you have good credit, there are plenty of cards you can qualify for. Another quality card that you could qualify for is the Discover it® Miles. It earns an unlimited 1.5X miles.
The easiest credit card to get with fair credit is the Capital One Platinum Credit Card. (See rates and fees.) This card is aimed at consumers with credit scores between 580 and 669. While it doesn't offer rewards, it does come with no annual fee or foreign transaction fees. You're also automatically considered for a higher credit line in as little as six months of using this Capital One card.
The easiest credit card to get with bad credit is the OpenSky® Secured Visa® Credit Card. It's the easiest card to get overall, and the consumers it helps the most are those with bad credit. Since there's no credit check, any black marks on your credit file won't work against you when you apply.
Bad credit makes it tough to get approved for most credit cards. Secured credit cards tend to be the safest option. Here is another card that can be easy to get with bad credit:
The easiest credit card to get with no credit is the Petal® 2 "Cash Back, No Fees" Visa® Credit Card. This card is unique -- if you don't have a credit history, you can apply using your banking history instead. Petal then reviews your bill payments from your bank accounts as part of your application. The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is unsecured, meaning there's no security deposit to open it, and it has no annual fee.
If you're in college and don't have any credit history, student credit cards are a good choice. You may need a cosigner to get approved, especially if you don't have stable income. Here is another credit card that can be easy to get with no credit:
Here are the most important things to look for in an easy-approval credit card:
An easy-approval credit card is right for you if you're just starting to build credit, or if you're rebuilding credit after past issues. In either case, it makes sense to choose a card that gives you high approval odds. The point is to minimize your chances of getting denied, because each time you have an unsuccessful application, your credit score drops, and opening a card gets harder.
If you have good credit or better, then it's not as important to pick an easy-approval credit card. You may, however, still want to go with an easy approval card if you're trying to spend as little time as possible on credit card applications. You'll be more likely to get approved the first time around, instead of potentially getting denied and needing to go through the process again with another card.
Card | Rating | Great For |
---|---|---|
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: No credit check |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Easiest credit card to get with excellent credit |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Excellent credit and travel |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Excellent credit and cash back |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Easiest credit card to get with good credit |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Good credit and travel |
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Easiest credit cards to get with fair credit |
|
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Easiest credit card to get with bad credit |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Bad credit secured credit card |
|
Rating image, 4.25 out of 5 stars.
4.25/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Easiest credit cards to get with no credit |
|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Great For: Students with no credit |
Here are some other questions we've answered:
The easiest credit card to get right now is the OpenSky® Secured Visa® Credit Card. OpenSky® doesn't check your credit during the application process, so it's possible to get approved for this card with poor credit because of past issues or no credit history at all.
Yes, you can get a credit card with no history. Secured credit cards are a good option when you have no credit history. This type of credit card is easier to get because it requires a security deposit upfront. If you're enrolled in college or university, student credit cards are another type of card that you can qualify for with no credit history.
The easiest unsecured credit card to get is the Petal® 2 "Cash Back, No Fees" Visa® Credit Card. You can connect your bank account during the application process, and Petal can use your banking transactions to evaluate your application. This makes it possible to get approved for a Petal card even without any credit history.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Mastercard and Visa.