What is the easiest credit card to get approved for?
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get approved for because there's no credit check for new applicants. In addition to being easy to get, the OpenSky Plus Card has a $0 annual fee and reports to the major credit bureaus, making it easy to save money and build credit.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
| Card name | Annual fees | Credit score needed |
|---|---|---|
| Chase Freedom Rise℠ | $0 | Excellent, Good |
| Secured Chime Credit Builder Visa® Credit Card | $0 | Average/Fair, Poor, None/Limited History |
| Capital One Quicksilver Secured Cash Rewards Credit Card | $0 | Limited, Bad |
| Target REDcard™ Credit Card | $0 | Good, Excellent |
Consider a secured credit card
A secured credit card requires that cardholders put down a deposit, which acts as collateral if they're ever unable to make payments. The Discover it® Secured Credit Card is one such option, requiring a security deposit of $200.
- OpenSky® Secured Visa® Credit Card.
- Discover it® Secured Credit Card.
- Capital One Quicksilver Secured Cash Rewards Credit Card.
- Capital One Quicksilver Cash Rewards Credit Card.
- Credit One Bank® Platinum Visa® for Rebuilding Credit.
Instant approval credit cards are the norm these days. Major credit card issuers like American Express, Chase, Citi and more can give you a "yes" or "no" within seconds of receiving your online application and reviewing the data you included, like your Social Security number, income and contact information.
There is one card that consistently offers instant access to your card number, however: the Capital One Walmart Rewards® Mastercard®. The information for the Capital One Walmart Rewards card has been collected independently by The Points Guy.
The Amazon Secured Card* is best for anyone trying to build or rebuild credit. It comes with no annual fee to make it easy on your budget. Because this is a secured credit card, it requires a security deposit after approval.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
A secured credit card is typically easier to get for those with bad credit than an unsecured credit card with decent terms. Each secured card is different and comes with its own minimum and maximum credit limits, typically requiring a minimum opening deposit between $200 to $300.
Which credit card has no credit check guaranteed approval?
| Card Name | Best For | Annual Fee |
|---|---|---|
| OpenSky® Secured Visa® Credit Card | No Credit Check | $35 |
| OpenSky® Plus Secured Visa® Credit Card | No Annual Fee | $0 |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured | $75 intro 1st yr, $99 after |
- Chase Freedom Rise℠ New to Credit. ...
- Petal® 2 “Cash Back, No Fees” Visa® Credit Card. Limited, Fair, Good, Excellent. ...
- Capital One Platinum Credit Card. Average, Fair, Limited. ...
- Petal® 1 “No Annual Fee” Visa® Credit Card. Fair, No Credit. ...
- Upgrade OneCard.
You'll have more luck with secured cards, but even then, not all allow subprime consumers to deposit $2,000 or more. It takes six months of timely payments for the two reviewed unsecured cards, Surge® Platinum Mastercard® and Reflex® Platinum Mastercard®, to offer a limit as high as $2,000.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...
- Discover it® Secured Credit Card: Winner for best credit card for beginners.
- Discover it® Miles: Best travel credit card for beginners.
- Discover it® Student Cash Back: Best starter credit card for students.
- Don't apply for too many cards at once. ...
- Know what's in your credit reports. ...
- Apply for cards that fit your credit score. ...
- Pay your bills on time. ...
- Watch your credit utilization.
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
Yes, Capital One does give instant card numbers upon approval, but not everyone is eligible for this feature. To check if you're eligible, download the Capital One mobile app and check for your card details under the “Your Card Number” section.
The easiest Amex cards to get are ones with a lower minimum spending requirement for rewards, as well as a low annual fee or no annual fee. Examples include the Blue Cash Everyday Card from American Express and the American Express Cash Magnet Card.
Not to be confused with instant approval credit cards, instant use credit cards are available to use upon approval. While you're waiting for the physical card to arrive in the mail, you may receive a virtual credit card you can use for online purchases or you could add your card information to a digital wallet.
Can I get a credit card same day at my bank?
Many credit card companies offer same-day credit cards, including American Express, Capital One, and Discover. Retail store credit cards are also often instant-use cards.
How long does it take to get a credit card from Chase? It takes 7-10 business days to get a credit card from Chase once your application has been approved. But you can get it in 1-2 business days if you ask for expedited delivery, at no extra cost.
The best store credit card you can get with a 500 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member.
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
The best store credit card you can get with a 550 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.
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