What is the easiest credit card to get if you have bad credit?

A secured credit card with no credit check is the easiest type of credit card to get if you have bad credit. For example, the opensky® Plus Secured Visa® Credit Card is very easy to get even with poor credit because the issuer does not check your credit history when you apply.

Easiest Credit Cards to Get with Bad Credit

• opensky® Plus Secured Visa® Credit Card
• First Progress Platinum Prestige Mastercard® Secured Credit Card
• Bank of America® Unlimited Cash Rewards Secured Credit Card
• Bank of America® Travel Rewards Secured Credit Card
• OneMain Financial BrightWay® Card
• Merrick Bank Credit Card

If you’re looking for an unsecured credit card for bad credit, one of the easiest to get is the OneMain Financial BrightWay® Card. This card gives you 1% cash back on all purchases, and it has an annual fee of $0 - $89.

You should be wary of credit card companies that offer unsecured credit cards to people with bad credit, though. They can give you an unsecured line of credit, but most come with big fees and high interest rates. Unless you need an emergency loan, it’s better to get a secured credit card and build up your score enough to qualify for a good unsecured card. 

First do yourself a favor and stay away from Fingerhut. I purchased a couple overpriced items from them and then when my first bill was due I used my checking account to pay the whole amount. They took my payment and then 2 weeks later they tried billing me again for the whole amount so I disputed the charge and proved to them that I paid it but they continued to demand the money so I closed the account. Now it's on my credit report as a bad debt and nothing that I've done to prove it was paid has taken it off my report. If you really want an easy card that isn't too bad and not a secured card apply with Capital One. As long as you haven't burned them before they will give you a couple hundred dollars credit limit, usually $300.

Either a secured card (preferably discover or capitol one) or there’s Fingerhut. Fingerhut isn’t the greatest, but if ur credit is pretty bad they’ll help you start it. 

The most straightforward credit card to obtain for those with poor credit is often a secured credit card. With a secured credit card, the issuer maintains the cash deposit as collateral and insurance against non-payment. These cards are more widely offered to people with bad credit because the deposit lowers the issuer's risk. Additionally, obtaining a credit card with a low credit limit and high interest rate may be simpler than obtaining a credit card with a high limit and low interest rate.

Two words: Open Sky. Three more: no credit check.

Look, if you’re starting from scratch (or worse), secured cards are the only real option. 

Discover’s my top pick - 2% back on gas/restaurants and they graduate you quick.

If you're rebuilding credit, secured cards are your safest bet - they're designed for this exact situation. Here’s what I recommend:  

1. Discover it Secured Credit CardDiscover it® Secured - Best rewards + upgrade path.  
2. Capital One Platinum Secured - Lowest deposit option.  
3. Opensky Secured Visa - No credit check.  

Use the card for small, regular purchases (like gas) and pay it off monthly. Rebuilding takes time, but consistent payments will open doors. You’ve got this!