What's the easiest American Express card to get?

The easiest credit cards for students to get are student credit cards for applicants with limited or no credit history and secured credit cards, which are available to people with no credit or even bad credit. Since college students tend to have higher incomes in the long term, issuers are willing to extend them better offers than most people without established credit could get. Think of it as an investment in a student’s future financial needs, which could prove quite profitable for a bank that gets in on the ground floor.… read full answer

The best student credit cards, including Capital One Journey and Bank of America’s student travel rewards card, will be easy to get as long as you’re enrolled in school and have at least a small income as well as a credit score that’s anything but bad. In fact, you can get them even if you don’t have a credit score yet because you’ve never had a loan or line of credit before. And if you do have bad credit, a secured card will still be pretty easy to get.

Here are some easy credit cards for students to get:

• Journey Student Rewards from Capital One: No annual fee or foreign transaction fee. 1% cash back on all purchases (1.25% when you pay your monthly bill on time). You can get this card with limited credit.
• Discover it chrome for Students: No annual fee or foreign transaction fee. 2% cash back on $1,000 spent on gas and dining at restaurants each quarter. 1% everywhere else. 1st year earnings matched. $20 bonus each year your GPA is 3.0+. You can get this card with limited credit.
• Bank of America Cash Rewards credit card for Students: No annual fee. 3% foreign transaction fee. $150 bonus when you apply online and spend $500 in the first 90 days. 2% cash back at grocery stores and wholesale clubs, plus 3% on gas (first $2,500 in combined purchases). 1% cash back on all other purchases. You can get this card with limited credit.
• Bank of America Travel Rewards credit card for Students: No annual fee or foreign transaction fee. 20,000 points when you apply online and spend $1,000 in the first 90 days. 1.5 points per $1 on all purchases. You can get this card with limited credit.
• Capital One Secured Mastercard: No annual fee and no foreign transaction fee. No rewards. Minimum security deposit of $49, $99, or $200. You can get this card with bad credit.
• Discover it Secured Card: No annual fee or foreign transaction fee. 2% cash back on $1,000 spent at restaurants and gas stations every three months. 1% on all other purchases. Discover matches all your cash back from the first year. You can get this card with bad credit.

The easiest credit cards for students to get allow young people to begin building credit before entering the real world. If you use your card responsibly and pay your bills on time, you should be able to get a better deal once you graduate. And that’s true whether you’re starting with a student credit card or a secured card.

There are several types of American Express cards for consumers and small business owners, including traditional rewards credit cards and charge cards that require payment in full each month. Among those two main types of Amex cards, there are offers with cash back rewards, rewards points, no annual fees, no foreign transaction fees and/or 0% introductory APRs. Some American Express cards are co-branded with airlines and hotel chains too.… read full answer

The most common types of American Express cards are travel cards that do not charge foreign transaction fees. The American Express Platinum Card and the Hilton Honors American Express Card are two notable examples. Top representatives for some other Amex card types include Blue Cash Preferred (cash back), Amex EveryDay (0% intro APR) and Cash Magnet (no annual fee).

Although American Express cards fit into a wide range of categories, there’s nothing available for people with limited or bad credit. You’ll need good or excellent credit to have a good chance of getting approved for an American Express card, regardless of type.