5 Easiest Credit Cards to Get Approved

Credit cards can be essential tools for building a credit history and accessing financial benefits. If you’re looking for a credit card with easy approval, whether due to limited credit history or a lower credit score, this post is for you.

Having a credit card can help improve your score over time, making it easier to get approved for loans and better interest rates in the future.

How We Selected These Credit Cards

We chose these credit cards based on the following criteria:

• Low credit requirements: Suitable for beginners or individuals with limited credit.
• Fast approval process: Many allow pre-qualification without affecting your credit score.
• Low fees or no annual fees: To avoid unnecessary costs.
• Additional benefits: Cashback, automatic credit limit increases, and fraud protection.
• Easy application process: Most of the cards on this list can be applied for online.

Now, let’s explore the five best credit cards with easy approval in the United States.

1. Discover it® Secured Credit Card

Why It’s on the List

This card is ideal for those looking to build credit without paying high fees and who want a secure and reliable option.

Key Benefits:

• Easy approval for those with limited or no credit history.
• No annual fee.
• 2% cashback at restaurants and gas stations (up to $1,000 in purchases per quarter) and 1% on all other purchases.
• Automatic review for an upgrade to an unsecured card after 7 months of responsible use.
• Reports to all three major credit bureaus (Experian, Equifax, and TransUnion).

Things to Consider:

• Requires a security deposit (minimum of $200), which may be refunded after responsible card use.

2. Capital One Platinum Credit Card

Why It’s on the List

It does not require a security deposit and is designed for individuals with fair credit, making it an excellent choice for those looking to avoid extra costs.

Key Benefits:

• No annual fee.
• Automatic credit limit increase after 6 months of on-time payments.
• Capital One’s fraud protection.
• Approved for those with “fair” credit.
• Allows cardholders to monitor their credit score for free through CreditWise.

Things to Consider:

• No cashback or rewards, making it a more basic card.

3. Petal 2 “Cash Back, No Fees” Visa Card

Why It’s on the List

Perfect for those with limited credit history who want a card with no fees and additional benefits.

Key Benefits:

• No annual fee, no late fees, and no excessive interest rates.
• Approval is based on cash flow analysis (not just credit score), making it accessible to more people.
• Up to 1.5% cashback after a year of use.
• Generous initial limits (up to $10,000), which is rare for easy-approval credit cards.
• Integration with financial apps for better expense management.

Things to Consider:

• May require linking your bank account for approval, which could be a concern for some applicants.

4. Credit One Bank Platinum Visa

Why It’s on the List

A great option for those with bad credit or who want to rebuild their score while enjoying some spending flexibility.

Key Benefits:

• Quick approval for bad to fair credit.
• 1% cashback on all eligible purchases.
• Pre-qualification check available without affecting credit score.
• Monthly credit reports to help rebuild credit history.
• Mobile app with tools to track spending and payments.

Things to Consider:

• Has a $39 annual fee, which might be a drawback.
• Interest rates can be high if the balance is not paid in full, so on-time payments are crucial.

5. OpenSky® Secured Visa® Credit Card

Why It’s on the List

This card is one of the easiest to get approved for since it does not require a credit check, making it ideal for those starting from scratch.

Key Benefits:

• Guaranteed approval without a credit score check.
• Low initial deposit ($200), making it accessible to more people.
• Helps build credit quickly by reporting to credit bureaus.
• Allows cardholders to set their own credit limit based on the deposit amount.
• Dedicated customer support to help manage the card.

Things to Consider:

• Has a $35 annual fee, which could be a downside.
• Requires a security deposit, but this amount can be recovered later.

Tips to Increase Your Chances of Approval

If you want to improve your chances of getting approved for any of these cards, here are some useful tips:

• Monitor your credit score regularly to understand your financial standing.
• Pay your bills on time, as payment history is one of the biggest factors in credit score calculations.
• Reduce your credit utilization ratio, keeping your balance low compared to your total credit limit.
• Avoid multiple applications at once, as this can negatively impact your credit score.
• Consider secured credit cards, like the OpenSky or Discover it® Secured, if you have a low credit score or no credit history.

If you’re looking for a credit card with easy approval, these are excellent options. If you have limited credit, secured cards (such as Discover it® Secured and OpenSky) are a good choice.

If your credit is fair, the Capital One Platinum or Petal 2 might be better alternatives.

In the next post, we will discuss how to increase your chances of approval and quickly improve your credit score. Stay tuned!

Written by Jonathan Updated on March 19, 2025