What is the easiest credit card to get approved for?

The easiest credit card to get is one that has very few eligibility requirements and is light on benefits. While no single card takes the crown here, there are several cards that fit the description.

Most easy-to-get credit cards can offer approval within 60 seconds when you apply online, but you’ll still need to meet a number of eligibility requirements to be successful.

What is the easiest credit card to get?

Credit card requirements generally increase in demand with premium cards which include more perks and benefits. The following types of credit cards have fewer requirements for getting approved.

• Secured credit cards. You can apply with a poor credit score and use these types of cards to build your credit.
• Low-interest rate and credit limits. Not all credit cards charge the same interest, and if you plan to keep balances in your account rolling from one month to the next, getting a card with a low-interest rate on your purchases is a worthwhile bet. A typical low-interest rate would not offer extras like concierge access and complimentary insurances, but it would offer all basic features you can expect from a credit card.People who have a low income can’t expect to get cards with high credit limits, so their options are cards that come with low credit limits. You can expect to start off with a credit limit of around $500, and you can then work your way up as you build a positive account history.
• Joint account. If you don’t earn enough to apply for a credit card, you can consider applying for one as a joint applicant, by combining your income with your partner’s income. If your partner has an existing credit card, you can even think about getting an additional card linked to it for you.
• Low annual fee. Annual fees on credit cards vary, but the majority are reasonably priced and only applied to your card once per year. Read our guide on no-annual-fee credit cards to compare your options.

Compare the easiest credit cards to get

These secured and unsecured credit cards for low to fair credit tend to be easy to apply and get approved for.

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Capital One Platinum Secured Credit Card			N/A	26.99% variable	$0	Apply now View details	A no-annual-fee secured card that separates itself from the pack with a $200 credit limit after making a more affordable than average deposit of $49, $99 or $200.	Compare	loading Fetching your data...
Cleo Credit Builder card			The Cleo Plus service is included with the Cleo Builder service and allows you to earn cash back with select retailers offered through Button as well as click-through offers and daily cash challenges.		$180	Apply now View details	A card made with your credit score in mind	Compare	loading Fetching your data...
Tomo Credit Card			1% cashback on all purchases	N/A	$0	Apply now View details	A credit-building card with no fees, no APR, and no credit check.	Compare	loading Fetching your data...

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Pros and cons of easy-to-get credit cards

How to apply for easy-to-get credit cards

Once you’ve compared your options, you can apply for a card and receive a response within 60 seconds. Before you apply, though, make sure you’ve made sure you meet the eligibility requirements and have the relevant documents handy.

Eligibility requirements

To apply, you would usually have to meet the following eligibility criteria:

• You’re at least 18 years of age
• You’re a permanent resident of the U.S.A or an American citizen
• You have a regular source of income

Necessary documents

You also need to provide different types of information, which could include the following:

• Your complete name, date of birth, and details from your American driver’s license or passport
• Your residential address, email address, and phone number
• Your employer’s name, phone number, and address

While you don’t have to earn a lot of money to get a credit card, bear in mind at all times that you would have to repay the money you borrow, maybe, along with interest. If you still wish to apply, make sure you compare your options well before deciding to select the option that suits your unique financial situation.

Am I guaranteed to get approved?

Approval is never guaranteed, even though the above cards are designed for bad credit and are easier to apply for.

When you apply for a card, the issuer will check your credit report and consider factors such as your income. The issuer is trying to determine the risk of lending money to you, and whether you’re likely to repay your debt. If it believes you’re too risky of a borrower, it might deny your application.

If you’re having trouble getting approved for credit, consider guaranteed-approval credit cards. Keep in mind this term isn’t 100% accurate, as there are still requirements to get approved. However, these requirements are some of the easiest to meet.

Frequently asked questions

• What aspects should I compare when looking at different easy to get credit cards?

  Important aspects that require comparison include ongoing interest rates, promotional interest rates, and fees.

• How long might it take for me to receive my card?

  This depends on your card provider. In most instances, you can get your card within five to 10 business days from the approval of your application.

• What would happen if I don't make timely repayments?

  If you don’t make the minimum required payment by each due date, you could end up paying late charges. If you skip a few payments in a row, you can no longer use your card, but still have to repay the money you owe. Not making timely repayments affects your creditworthiness.

• What's the most valuable low-income card I can apply for?

  This essentially depends on your individual needs. For instance, if you wish to use your new card to transfer balances from existing cards, look for one that comes with a balance transfer offer. Some such cards give you the ability to earn rewards, but in such scenarios, you could end up paying more in the form of interest and fees.