The easiest credit cards to get with good credit are credit cards for fair, limited or bad credit. The Capital One Platinum Credit Card, the Petal Visa Credit Card, and the Target Credit Card should all be very easy to get with good credit, for example.
On the other hand, people with good credit can also have an easy time getting certain credit cards that require good credit or better. Capital One Quicksilver is on the easy end of credit cards with good credit, because Capital One credit cards are rumored to be easier to get than other credit cards - even when the cards have the same approval requirements on paper. This card requires good credit or better for approval, and it offers great rewards for spending.
People with good credit have a lot of credit card options to choose from. Every major credit card company offers credit cards for people with good credit. And many of them are great cards for rewards and travel. While no credit card company is really known as the “easiest” to get a credit card from, reports online suggest it’s more difficult to get approved for a Chase credit card than cards from some other major issuers.
The best credit card for a 700 credit score is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the market’s highest cash back earning rates that won’t fluctuate by spending category. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months and a $0 annual fee.… read full answer
In general, you want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process, too, like income and the number of recent inquiries on your report.
A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.
As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.
The easiest major credit card to get is the Capital One QuicksilverOne Cash Rewards 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.… read full answer
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 Bank of America® Unlimited Cash Rewards credit card for Students, 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 Capital One Quicksilver Secured Cash Rewards Credit Card, because it's meant for people with bad credit and it offers 1.5% cash back on all purchases, plus there's a $0 annual fee.
The best instant approval credit card for good credit is the Capital One SavorOne card. It offers $200 for spending $500 in the first 3 months. The card also has a $0 annual fee.
It is worth noting that instant approval does not guarantee approval. It just means you may receive a decision within seconds of applying for a card.… read full answer
How to increase your chances of getting instantly approved for a credit card
In general, to get instant approval for a credit card, you’ll want to make sure you’re well within the approval criteria for the card you’re applying for. For the best results, have a clean credit report with no late payments, a “good” credit score and enough annual income to satisfy the credit card company that you’ll be able to pay your bill.
There are many credit cards for good credit that have the potential to instantly approve an online application. So, to increase your chances of getting approved instantly, it would be best if you apply online.
Here are some of the best instant approval credit cards for good credit:
To further improve your instant approval odds, try applying for a credit card for fair credit rather than one that requires good credit at a minimum. As a person with good credit, you’ll be much more qualified. Store credit cards are a good example. They all require at least fair credit, have great rewards and are known for offering instant approval online or in person.
If it takes longer to get a decision on your credit application, it could be because they need to deliberate further on your information. It could also be because the credit card company is having trouble verifying your identity. In the case of the latter, they’ll likely ask you a few more questions and it could take a few days to get a decision.
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