How to Apply for the 5 Easiest Credit Cards

If you are looking for credit cards with easier approval in the United States, this guide will walk you through how to apply for each of the five top cards mentioned in our previous post.

Remember that while the process is relatively simple, it’s essential to provide accurate and complete information to increase your chances of approval.

1. Discover it® Secured Credit Card

How to Apply:

1. Go to the official application page: Discover it® Secured Credit Card – Official Application
2. Click on “Apply Now”: This will take you to the application form.
3. Fill in your personal information: Include your full name, residential address, Social Security Number (SSN), and annual income.
4. Specify your security deposit amount: The minimum deposit is $200, which will serve as your initial credit limit.
5. Review and submit your application: Make sure all the details are correct before submitting.

Once submitted, you will receive a response regarding approval and instructions on how to make the security deposit.

2. Capital One Platinum Credit Card

How to Apply:

1. Go to the official application page: Capital One Platinum Credit Card – Official Application
2. Click on “See if I’m Pre-Approved”: This allows you to check your eligibility without impacting your credit score.
3. Fill out the pre-approval form: Provide details such as your name, address, SSN, and income.
4. Review your results: If pre-approved, proceed with the full application by submitting any additional required details.

Pre-approval does not guarantee final approval but significantly increases your chances.

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

How to Apply:

1. Go to the official application page: Petal 2 Visa Card – Official Application
2. Click on “Apply Now”: Start the application process.
3. Create a Petal account: Enter your email and set up a password.
4. Fill in your personal information: Provide details such as your name, address, SSN, and annual income.
5. Link your bank account: Petal uses your banking history to determine your eligibility, which is especially useful for those with little or no credit history.

After submission, Petal will analyze your financial profile and inform you of approval status and credit limit.

4. Credit One Bank Platinum Visa

How to Apply:

1. Go to the official application page: Credit One Bank Platinum Visa – Official Application
2. Click on “See If You Pre-Qualify”: This lets you check eligibility without affecting your credit score.
3. Fill out the pre-qualification form: Provide your personal and financial details.
4. Review your results: If pre-qualified, proceed with the full application.

Approval is usually quick, and the card is mailed once confirmation is received.

5. OpenSky® Secured Visa® Credit Card

How to Apply:

1. Go to the official application page: OpenSky® Secured Visa® Credit Card – Official Application
2. Click on “Apply Now”: Start your application.
3. Complete the application form: Enter your personal details, financial information, and choose your security deposit amount (minimum $200).
4. Review and submit your application: Ensure all information is accurate before submitting.

After submission, you will receive instructions on how to make the security deposit.

Final Considerations

When applying for any of these credit cards, it is essential to:

• Provide accurate information: Incorrect details can lead to application rejection.
• Understand the terms and conditions: Read about fees, limits, and benefits before applying.
• Use your credit card responsibly: Pay your bills on time and keep your credit utilization low to build a solid credit history.

By following these guidelines, you will be on the right path to obtaining a credit card that suits your needs and improving your financial health in the United States.

Written by Jonathan Updated on March 19, 2025