The easiest major credit card to get is the Capital One QuicksilverOne Credit Card or the Capital One Platinum Credit Card, because both only require limited credit for approval. These are two of the few credit cards from the top 5 largest credit card companies that offer an unsecured credit line and aren't student credit cards. Capital One QuicksilverOne has an annual fee of $39, while Capital One Platinum has a $0 annual fee.
There are plenty of easy major credit cards to get if you're a student, or you don't mind getting a secured credit card. For students, the easiest major credit card to get is the Discover it Student Chrome, because it's designed for students with no credit, and the annual fee is $0. And the easiest major secured credit card to get is the Discover it Secured Credit Card, because it's meant for people with bad credit and it doubles the 1 - 2% Cash Back you earn in the first year, plus there's a $0 annual fee.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
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.
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.
The best easy approval gas credit card is the Discover it Secured Card. Because it’s secured, bad credit won’t disqualify you. Plus, it doesn’t charge an annual fee and gives you 2% cash back on the first $1,000 you spend on gas and at restaurants (combined) each quarter. And since it’s a cash back card with no restrictions on what gas stations are eligible for rewards earning, it’s one of the most flexible options. … read full answer
Discover it Secured isn’t the only gas rewards card that’s easy to get. But most other offers require a bit better credit.
Here are some of the best easy approval gas credit cards:
Discover it Secured Card: No annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter. 1% cash back everywhere else. First-year rewards match. $200 minimum refundable security deposit. You can get this card with bad credit.
Credit One Bank Platinum Visa for Rebuilding Credit: $0-$99 annual fee, depending on your credit history. 1% cash back on gas. 1% back in certain other categories, if not all purchases, depending on which rewards program you get approved for. You can get this card with bad credit.
Walmart Store Card: No annual fee. 2% rewards for Walmart and Murphy USA gas. 3% back on purchases at Walmart.com and 1% at Walmart. You need fair credit or better.
Shell Gas Card: No annual fee. 5 cents per gallon discount at Shell gas stations. You can get this card with fair credit.
Chevron and Texaco Gas card: No annual fee. 3 cents per gallon back at Chevron and Texaco gas stations. You can get this card with fair credit.
Exxon Mobil Gas Card: No annual fee. 6 cents off every gallon at over 11,000 Exxon and Mobil stations. This card requires fair credit.
Discover it for Students: No annual fee. 2% cash back on gas and restaurants, up to $1,000 spent per quarter. 1% on all other purchases. Discover matches the cash back you earn year one. $20 gift card each year your GPA is 3.0 or higher. Students with limited credit or better can get this card.
The best easy approval gas card for you will depend on where you fill up and how good your credit is. But no matter what card you get, make sure to pay your bill on time every month. That will help you build credit and qualify for one of the best gas rewards credit cards.
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