Top 5 Easy Approval Credit Cards

If you’ve ever struggled to get approved for a credit card or have been denied because of a less-than-perfect credit score, you’re not alone.

Many Americans face this issue, especially when applying for credit cards that have strict eligibility requirements.

Capital One Platinum Credit Card

The Capital One Platinum Credit Card is an excellent choice for those with limited or fair credit. This card is designed specifically for individuals who are new to credit or looking to rebuild their credit.

Key Benefits:

• No Annual Fee: One of the key benefits of the Capital One Platinum card is that it has no annual fee, making it a low-cost option for users.
• Credit Limit Increase: If you make your payments on time, you may be eligible for a credit limit increase after as little as six months.
• Easy Approval: With a credit score requirement of just fair (around 580-669), many people will be approved for this card, even with limited credit history.

The Capital One Platinum Credit Card is ideal for those who want to build or rebuild credit while enjoying the convenience of a simple, no-frills credit card.

Discover it® Secured Credit Card

If you’re looking to establish or rebuild your credit, the Discover it® Secured Credit Card is an excellent option. Unlike unsecured cards, secured cards require a deposit, but they are a great tool to help you improve your credit profile.

Key Benefits:

• Cashback Rewards: Earn 2% cashback on up to $1,000 in combined purchases at gas stations and restaurants each quarter (1% on all other purchases).
• No Annual Fee: The Discover it® Secured Credit Card has no annual fee, making it a great option for those who want to keep costs low.
• Easy Approval: As a secured card, it is available to those with limited or poor credit. Your security deposit acts as your credit limit, making it easier to get approved.

This card is perfect for anyone looking for a secured credit card that offers valuable rewards while also helping you establish or rebuild your credit.

Indigo® Platinum Mastercard®

The Indigo® Platinum Mastercard® is a great option for those with less-than-perfect credit scores. It is one of the few cards that offer easy approval even if you have a low credit score or past credit issues.

Key Benefits:

• Pre-qualification without a Hard Inquiry: You can check if you pre-qualify without affecting your credit score.
• No Annual Fee for Some Applicants: Depending on your creditworthiness, you may be eligible for no annual fee or a low annual fee.
• Easy Approval: This card is designed for individuals with fair credit or less-than-perfect credit, so it has more lenient approval requirements than other cards.

The Indigo® Platinum Mastercard® is a great option for rebuilding credit without paying high fees, especially for those with low credit scores.

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is another secured credit card option that is ideal for individuals who want to establish or rebuild their credit. Although it requires a deposit, it’s a fantastic option for anyone struggling to get approved for unsecured cards.

Key Benefits:

• Low Security Deposit: You can choose your security deposit amount based on the credit limit you want, with a minimum deposit of $200.
• No Credit Check: Unlike many other secured cards, the OpenSky® Secured Visa® does not require a credit check for approval, making it an accessible option for many people.
• Reports to All 3 Major Credit Bureaus: Your payment history is reported to Equifax, Experian, and TransUnion, which helps you improve your credit score over time.

This card is perfect for those who need to rebuild credit and want a simple, low-fee card that reports to all major credit bureaus.

Chase Freedom® Student Credit Card

The Chase Freedom® Student Credit Card is designed specifically for college students or young adults who are just starting to build their credit. It offers easy approval with no annual fee and provides a variety of rewards, making it a great choice for anyone new to credit.

Key Benefits:

• Cashback Rewards: Earn 1,5% cashback on all purchases.
• No Annual Fee: Enjoy all the perks of a credit card without the worry of annual fees.
• Easy Approval for Students: The Chase Freedom® Student card is designed for those who are new to credit, making approval easier for students and young adults with limited credit history.

If you’re a student or young adult looking to start building credit, the Chase Freedom® Student Credit Card is an excellent option with easy approval and valuable rewards.