Evelyn Boros, Credit Cards Moderator
@evelyn_boros
The easiest credit card to get as a first-timer is the opensky® Plus Secured Visa® Credit Card because the issuer doesn't check your credit history when you apply. To qualify, you need a Social Security Number, a U.S. mailing address, and the ability to place a $300 refundable security deposit as well as make monthly payments.
Easiest First Credit Cards to Get
- opensky® Plus Secured Visa® Credit Card: Easiest to Get
- Petal® 2 Visa® Credit Card: Best Overall
- Upgrade Cash Rewards Visa®: Rewards and No Fees
- Capital One Quicksilver Secured Cash Rewards Credit Card: Cash Back
- Capital One Savor Student Cash Rewards Credit Card: College Students
Generally, secured cards are the easiest ones to get, as they require a security deposit to open the account. But even though secured cards offer the highest chances of approval, unsecured cards for limited and bad credit are still accessible for most people.
If you want to see your chances of getting approved before you apply, you can always check if the issuer offers pre-approval. If you’re pre-approved for a credit card, your approval odds are very high.
Popular First Credit Cards from Our Partners
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People also ask
What's the easiest credit card to get with no credit?
The opensky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit history. There's no credit check, so approval is almost guaranteed if you're at least 18 years old and can afford the $300+ refundable security deposit, along with the monthly bill payments.
Easiest Credit Cards to Get with No Credit
One of the easiest unsecured credit cards to get with no credit or limited credit history is the Petal® 2 Visa® Credit Card. It has a $0 annual fee, doesn't require a security deposit, and rewards you with 1 - 1.5% cash back on purchases. Keep in mind that easy approval does not mean guaranteed approval.
At the end of the day,...
read full answer by Maria Adams, Credit Cards ModeratorWhat's the easiest unsecured credit card to get approved for?
The easiest unsecured credit cards to get include the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. The OneMain Financial BrightWay® Card accepts bad credit, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for people with no credit.
Easiest Unsecured Credit Cards to Get
- OneMain Financial BrightWay® Card
- Merrick Bank Credit Card
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Capital One Spark Classic for Business *
Alternatives to Unsecured Credit Cards for Bad Credit
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest...
read full answer by WalletHub, Financial CompanyHow can I increase my credit score quickly?
The fastest ways to improve your credit score are to pay down your balances, dispute incorrect information on your credit report, make more frequent payments, and reduce credit utilization. Credit utilization (how much of your credit limits you use each month) contributes to a portion of your credit score that accounts for 20% - 30% of your overall score. So, an adjustment there can result in a big credit boost pretty quickly. Similarly, you can dispute...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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