Easiest Credit Cards to Get Approved For in 2024

The Capital One Platinum Secured Card is a commendable tool for individuals looking to pave their credit journey. Without the burden of annual fees and the advantage of quick approvals, this card positions itself as a user-friendly option. While the initial security deposit is a caveat, the card promises credit line enhancements within half a year based on responsible use. The cherry on top is its robust security features and the ability to monitor one's credit score seamlessly. It's suitable for those eyeing credit growth, although potential users should be mindful of its higher interest rates.

• APRS, Fees, and Penalties

  • Enjoy no annual or hidden fees, and find out if you're approved in seconds.

• Credit Building

  • Build your credit by using the Capital One Platinum Secured card responsibly.
  • Start with a refundable security deposit as low as $49 to access a $200 initial credit line.
  • Earn back your security deposit as a statement credit by making on-time payments.
  • Be automatically considered for a higher credit line in as little as 6 months without needing an additional deposit.

• Perks & Benefits

  • Benefit from $0 Fraud Liability, ensuring you're not responsible for unauthorized charges.
  • Monitor your credit score for free with CreditWise from Capital One.
  • Access your account 24/7 via online banking or the Capital One mobile app.

The Chime Credit Builder Secured Visa® Credit Card is an impressive choice for those looking to construct a solid credit foundation without the burdens of annual fees or interest. It champions your credit-building journey by reporting to all major bureaus, and its no-credit-check feature makes it accessible to many. Although you'd need a Chime account and the card uses your deposited funds as collateral, its overall value is undeniable, especially when considering its universal acceptance as a Visa card. This card marries simplicity with functionality.

• The card comes with no annual fee or interest
• Applying for the card doesn't require a credit check
• To qualify for this card, set up a Chime checking account and ensure a qualifying payroll direct deposit of $200 or more
• You can instantly disable the card to guard against fraudulent activities
• This card lets you build credit with your own funds, reducing risks of debt and missed payments
• The Chime Credit Builder Card reports to all three credit bureaus
• The card is issued by Stride Bank, N.A. and is accepted wherever Visa credit cards are used
• While there's no interest, fees apply for out-of-network ATM withdrawals except in specific ATM
• Funds added to the Credit Builder act as collateral for the card, allowing you to spend up to the deposited amount

The Citi® Secured Mastercard® is an excellent starter card for those building or rebuilding their credit. It reports to major credit bureaus, boosting credit history with responsible use. The card requires a security deposit, which doubles as your credit limit, ensuring controlled spending. Its standout feature is free access to your FICO score, a valuable tool for monitoring credit progress. With no annual fee and worldwide acceptance, it's both cost-effective and globally functional. The card also offers digital wallet compatibility, flexible payment options and robust security features like ID Theft Protection, making it a practical choice for everyday use.

• APRS, Fees, and Penalties

  • Enjoy no annual fee with this card.
  • The card has a variable purchase APR of 27.74%.

• Credit Building Features

  • Your credit limit is determined by a security deposit, ranging from $200 to $2,500.
  • Build your credit with monthly reports to all three major credit bureaus.
  • Accepts customers with little or no credit history.

• Account Management and Security

  • Get free access to your FICO score online.
  • Use Auto Pay and account alerts for easier account management.
  • Choose your payment date with flexible payment due dates.
  • Manage your account online, by phone, or via mobile app 24/7.
  • Use Digital Wallets for secure and convenient online, app, and in-store shopping.
  • Enjoy complete protection against unauthorized charges.
  • Benefit from Mastercard ID Theft Protection at no extra cost.

• Global Acceptance

  • Accepted worldwide wherever Mastercard is accepted.

You may consider applying for the Indigo® Mastercard® if you have less-than-perfect credit. Making payments on time and not using too much of your available credit gives you the ability to build your credit score because this card reports your payment history to all three credit bureaus. Prequalifying for this card does not have an effect on your credit score.

The Indigo® Mastercard® comes in three variants; Plat-602, Plat-603 and Plat-604. The annual fee you need to pay depends on the version for which you qualify and varies from $0 to $99. This card finds global acceptance, although using it outside of the U.S. comes with a 1% foreign transaction fee. You get basic Mastercard benefits too.

• Application & Creditworthiness

  • Apply even with no, limited, or poor creditworthiness
  • No security deposit required

• Fees

  • Annual fees range from $0 to $99
  • 1% foreign transaction fee

• Credit Reporting

  • Payment history reported to TransUnion, Equifax, and Experian

• Perks & Benefits

  • Zero liability protection
  • Mastercard ID theft protection

The Merrick Bank Double Your Line® Secured Credit Card is an accessible and rewarding secured credit card. It requires an initial deposit of at least $200. But once you make that deposit, you have the potential to double your line of credit without having to make another deposit at all.

Just make your monthly payments on time for seven months in a row without a hiccup. After the seventh billing cycle is complete, Merrick will automatically double your line of credit to $400.

Furthermore, those on-time payments will be reported directly to the three big credit bureaus, allowing you to build your credit over time. You can check your credit score regularly thanks to free FICO access, which is included with your account.

Other benefits include fraud liability protection and a host of online budgeting tools. All in all, this secured credit card is a perfect pick for folks looking to rebuild their credit and who want to build good financial discipline – there’s an attractive reward waiting at the end of seven months!

• Deposit $200 initially. Following on-time payments for 7 months, credit line is doubled to $400 w/o requiring another deposit
• $36 annual fee for the first year., billed at $3 dollars per month thereafter.

The OpenSky® Secured Visa® Credit Card is ideal for those looking to build or rebuild credit. Its high approval rate and lack of credit check requirements make it accessible to many individuals. Users benefit from free monthly FICO score access and the ability to establish a credit history with major credit agencies, which is vital for financial health. The card's flexibility in payment scheduling and the option to fund the security deposit over time add to its user-friendliness. While it lacks a rewards program and has an annual fee, its primary focus is on fostering responsible credit use and improvement.

• Rewards

  • Earn up to 10% cash back on everyday purchases at over 40,000 retailers.

• Credit Building

  • Build or rebuild your credit, with 2 out of 3 OpenSky cardholders seeing an average score increase of 41 points in just three months.
  • Build your credit history with Experian, Equifax, and TransUnion.

• Perks & Benefits

  • Get free monthly access to your FICO score via our mobile app.
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay, and Google Pay.
  • Choose a payment due date that fits your schedule with flexible payment options.

• Application Process

  • Apply without a credit check, ensuring zero credit risk.
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line.
  • Apply in less than 5 minutes with our mobile-first application.
  • Fund your security deposit over 60 days with the option to make partial payments.

• User Base

  • Over 1.4 million cardholders have used the OpenSky Secured Credit Card to improve their credit.

Great if you’re improving your credit, the Discover it® Secured offers a no-annual-fee route to an unsecured card with the bonus of cash back rewards. However, an initial security deposit is required.

• No credit score is required to apply.
• No annual fee. Earn cash back and build your credit history.
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
• Automatic reviews start at seven months to see if Discover can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases — automatically.
• Discover could help you reduce the exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free; activate using the mobile app.
• Get an alert if Discover finds your Social Security number on any of thousands of dark websites. Activate for free.

The Milestone Mastercard® is a solid choice for those looking to build or rebuild their credit, especially if past financial issues have made obtaining credit challenging. It doesn't require a security deposit and offers a moderate credit limit. Its reporting to major credit bureaus is particularly valuable, aiding in credit score improvement. The card's universal acceptance and mobile account access are convenient for everyday use. However, consider its higher fees and APR to ensure you balance these against the potential credit-building benefits.

• Obtain credit without a security deposit, suitable for those with less than perfect credit
• Get $700 credit limit
• Benefit from account history being reported to all three major U.S. credit bureaus
• Receive a Mastercard that’s usable online, in-store and through apps
• Access account information anytime, anywhere, including on mobile
• Experience a swift and straightforward application process
• Annual fee: $175 the first year, $49 thereafter
• Monthly fee: $0 the first year, afterward it’s $12.50 per month
• Regular APR: See terms*

We love the Capital One® Spark® Classic for Business because it gives small business owners with fair credit the ability to earn 1% cash back on all purchases. In addition, you earn unlimited 5% cash back when you use this card to book hotel stays and rental cars through Capital One Travel.

What makes this business card for fair credit particularly worthy of attention is it charges no annual fees. However, using this card to carry forward balances from one month to the next is not a good idea because it comes with a reasonably high APR.

Using this card outside of the U.S. is ideal because it does not charge foreign transaction fees. This applies to the primary card as well as employee cards, which you may get for free.

• Rewards
  • Earn 5% unlimited cash back on hotel and rental car bookings made through Capital One Travel.
  • Earn 1% cash back on all other purchases.
• APRS, Fees, and Penalties
  • No annual or foreign transaction fees.
• Perks & Benefits
  • Choose your own due date.
  • Get free employee cards with customized spending limits.
  • Set up automatic payments.
  • Receive year-end summaries.
  • Benefit from roadside assistance.
  • Enjoy $0 fraud liability.