What is the easiest Credit One credit card to get?

The best credit card you can use instantly is the Blue Cash Preferred® Card from American Express. You can access the card number immediately after being approved for an account online, then begin to make purchases until you receive the physical card in the mail.

Blue Cash Preferred offers up to bonus cash back rewards in certain spending categories and a $250 statement credit for spending $3,000 in the first 6 months. It also requires a minimum of good credit for approval. Just remember that you’ll only have a short period of time to write down your card information once you’re approved for this credit card. People who miss this window of opportunity will need to wait until they get the card in the mail.… read full answer

Best Credit Cards You Can Use Instantly After Approval

Instant approval is always possible when you apply for a credit card online or in person, but credit cards that you can use instantly are uncommon. Some credit card issuers don’t offer any credit cards you can use instantly, while others have only a few.

Credit Cards You Can Use Instantly by Issuer

*Please note, at this time the IHG® Rewards Premier Credit Card, IHG® Rewards Traveler Credit Card, Aeroplan Credit Card, Chase Freedom Flex℠, Amazon.com Credit Card, Disney Premier Credit Card, Disney Rewards Credit Card and Business credit cards cannot be added to a digital wallet upon card approval. However, once you receive your physical card you can add it to a digital wallet.

If you’re not able to get a credit card you can use instantly, don’t worry. Credit cards usually only take 7-10 business days to arrive after you’re approved. And many credit card companies provide expedited delivery for a small fee, or sometimes even for free.

One of the best credit cards for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus… read full answer (Equifax, Experian and TransUnion) every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.

Another good option is the U.S. Bank Cash+® Visa® Secured Card. This card offers 1 - 5% cash back, depending on the type of purchase and has a $0 annual fee.

However, those aren’t the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.

The best credit cards for a 550 score:

You can also check our editors’ latest picks for the best credit cards for bad credit on the market to see which one better suits your needs.

Before applying for a card, though, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad credit. This card offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Easiest Unsecured Credit Cards to Get Approved For

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.… read full answer

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.