The easiest way to get a credit card is to compare offers and apply online for the credit card that best meets your needs. Online credit card applications are easy to fill out, and it’s possible you will get a decision within minutes of applying. That is especially true if you apply for a credit card whose approval requirements you easily meet, and if the issuer can easily verify your identity.
If you’re starting out with limited or bad credit, the easiest type of credit card to get is a starter credit card or a secured credit card. Students with limited credit history should have an easy time getting a student credit card, though income is still required for approval. And if you’re under 18 years old, the easiest (and only) way to get a credit card is by becoming an authorized user on someone else’s credit card account.
Overall, the process of getting approved for a credit card is straightforward. But there are ways to make it even easier. For example, some credit card companies allow you to check if you're pre-approved for any of their credit cards online. This involves providing some basic information about your financial situation to the card issuer, which then does a soft pull of your credit report. This gives them a general idea of your creditworthiness without hurting your credit score.
Being pre-qualified for a credit card doesn’t guarantee you’ll get approved. But it can help you decide whether or not it’s worth applying for a particular offer.
If you want a credit card mostly for convenience and credit-building, the easiest option is a secured card that doesn’t check your credit when you apply like the OpenSky Secured card. It’s not too expensive either. Or there’s Discover it Secured card, which might not be quite as easy to get but has great rewards.
The easiest unsecured card to get is the Fingerhut Credit Account. 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.
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.
Your best options to get a credit card today are American Express cards, Capital One cards and some store cards. While it’s pretty common to get approved for a credit card the same day if you apply online, you’ll still usually have to wait another 7-10 business days before your card comes to use it.… read full answer
All American Express cards give you the potential for an instant card number after approval, which will give you access to part of your credit line until your card arrives. Capital One cards provide instant use through the Capital One app, but that’s only possible if you’re an existing Capital One cardholder. Store cards, such as the Target REDCard, may give you an instant number or code to use as a temporary version of your card.
Here are the best credit cards you can get today:
Bad credit – Capital One Secured Mastercard: Requires a minimum security deposit of $49, $99 or $200. Your credit line will always be at least $200. No rewards. No annual fee. Must be an existing Capital One customer to see your card information through the app.
Limited credit – Capital One QuicksilverOne: Unlimited 1.5% cash back on all purchases. $39 annual fee. Must be an existing Capital One customer to see your card information through the app.
Fair credit – Target REDcard: 5% off at Target and Target.com. 30 extra days on returns. Free shipping. No annual fee. Gives a temporary number after approval to use until your card comes.
Good credit (miles) – Capital One Venture: $50,000 bonus miles when you spend $3,000 in the first 3 months. Unlimited 2 miles per dollar on all purchases. $95 annual fee waived the first year.
Good credit (cash back) – Capital One Quicksilver: $150 bonus cash back when you spend $500 in the first 3 months. Unlimited 1.5% cash back on all purchases. No annual fee.
Good credit (cash back) – Amex Blue Cash Everyday: $150 statement credit when you spend $1,000 in the first 3 months. 3% cash back on the first $6,000 per year at U.S. supermarkets, 2% at U.S. department stores and U.S. gas stations and 1% on everything else. No annual fee.
Excellent credit – Costco Anywhere Visa: 4% cash back on the first $7,000 spent on gas per year, 3% on restaurants and travel, 2% at Costco, 1% on everything else. No annual fee but must be a Costco member. Requires excellent credit. Gives a temporary code to scan at checkout until the actual card arrives.
While there’s no guarantee these options will get you a credit card today, they’ll certainly give you your best chance. Don’t forget that if you get approved for a Capital One card you’ll need to both already have another Capital One card open and have downloaded the app. Unfortunately, this option isn’t available to every Capital One customer but Capital One doesn’t disclose who is eligible for instant card information. In the same way, all Amex cards give the potential for instant numbers, but aren’t guaranteed to give you one.
And if you’re interested in a store card, make sure to ask if they offer instant use first. Lastly, when your physical card arrives by mail in 7-10 business days, be sure to activate it right away.
The easiest credit card to get with no credit is the OpenSky Secured Credit Card because there’s no credit check when you apply. As long as you’re 18 or older, can afford at least a $200 deposit, and can make monthly bill payments, you’ll probably get approved. With secured credit cards, your limit is usually the amount of your initial deposit. The OpenSky Credit Card has a $35 annual fee.… read full answer
The easiest unsecured credit card to get with no credit is the Capital One Platinum Credit Card. The major upsides to this credit card are its $0 annual fee and its minimum credit limit of $300, which Capital One may increase after your first 6 months. However, the regular APR is a steep one at 26.99% (V), so it’s best not to carry a balance on this card.
The bottom line is there’s a number of good starter credit cards and credit cards for people with no credit that easily can help you start building a great credit score. You just have to use the one you pick responsibly.
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