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What is the easiest credit card to get approved for?

Look for a card with lower eligibility requirements and fewer features.

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.

Name Product Filter values Rewards Purchase APR Annual fee
Capital One Platinum Secured Credit Card
26.99% variable
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.
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.
A card made with your credit score in mind
Tomo Credit Card
1% cashback on all purchases
A credit-building card with no fees, no APR, and no credit check.

Compare up to 4 providers

Pros and cons of easy-to-get credit cards


  • Suitable for those with low credit scores. This, without a doubt, is the biggest advantage of such cards, given that people with lower credit scores don’t have too many options. If you have no credit or a low credit score (300 – 619), you can think about applying for one of these credit cards.
  • Expenses in check. One risk of getting a credit card is overspending. A typical low-income credit card comes with a low credit limit, ensuring that you don’t end up making excessive purchases.
  • Promotional interest rates. Certain low-income credit cards come with promotional interest rates that stay in place for varied time periods, typically in between six to 12 months. These promotional rates normally apply only to balance transfers, but some cards offer these rates on purchases as well.


  • Paying high interest. Credit cards charge interest on purchases and cash advances, and these might or might not be the same. With a card that charges high interest, if you don’t pay your balances in full each month you could end up paying a significant amount in the form of interest.
  • Fees and charges. Depending on the credit card you wish to get, you might have to pay application fees and ongoing account keeping fees. If you don’t make timely repayments you could have to pay late charges.
  • Spend more than you can repay. Getting a credit card gives you the means to buy things even when you don’t have the money to pay for them at the time, and if you give in to your impulses you can end up with debt that is hard to repay. When you use a credit card, it is important that you plan ahead and know just where future repayments would come from before buying anything.

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.

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