Home > Credit Card Reviews > 3 Credit Cards That Are Easy to Get

Comments 0 Comments

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Nobody likes being turned down for a job or a date, but there is something especially painful about having a credit card application rejected. Applicants know that credit card issuers examine their income and pull their credit reports, so it can feel like their entire life is being held to account.

Thankfully, several issuers offer credit cards that are easier to qualify for. For those with poor credit, or no credit history at all, the first rung on the ladder is a secured credit card. These products require that customers first place a refundable security deposit with the card issuer before receiving a card. In many instances, the size of the deposit becomes the cardholder’s credit limit, essentially eliminating the card issuer’s risk. In fact, some secured card applications do not even require a credit check, so acceptance is virtually guaranteed once the the applicant’s identity is confirmed.

Yet in all other ways, a secured card is exactly like a regular credit card. Cardholders are billed for their purchases, and can be charged interest if their balance is not paid in full each month. Penalties are also assessed for missed payments, but on-time payments are reported to credit bureaus and will improve the cardholder’s credit score.

The next step up for applicants with fair or average credit are the several standard, unsecured cards marketed to those with some blemishes in their credit history. These cards generally tend to be basic products with less competitive terms and no rewards. Another good option is student cards that are designed for the needs of those who have a limited credit history.

Here are three credit cards that that are easy to get, along with the details applicants need to know before they apply.

Capital One® Platinum Mastercard®

Capital One Platinum

Capital Once offers a variety of rewards cards for those with good and excellent credit, but even those with merely average credit may be approved for this card. Although it offers no rewards, it does feature perks such as access to a 24-hour hotline for roadside and travel assistance, an extended warranty program, and automobile rental insurance. Cardholders start off with a modest credit limit, but Capital One offers a higher limit after cardholders make their first five payments on-time. There is a $0 annual fee.

First Progress Platinum Elite Mastercard® Secured Credit Card

First Progress Platinum Elite Mastercard® Secured Credit Card

Apply Now
on First Progress's secure website
Card Details
Intro Apr:

Ongoing Apr:
19.99% Variable APR for Purchases

Balance Transfer:

Annual Fee:

Credit Needed:
Bad-No Credit
Snapshot of Card Features
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.

Card Details +

With this secured credit card, approval is granted to applicants with any credit history or credit score, as long as their identity is confirmed and they have been discharged from any bankruptcy filings. Once approved, cardholders must submit a refundable security deposit of at least $200, and pay an annual fee of $29 . Cardholders can then use this card just like any other credit card. Customers have 25 days from the statement closing date to pay their balance in full to avoid interest, or they can choose to carry a balance and pay the standard of 19.99% Variable APR for Purchases . After at least a year of making their payments on-time, most cardholders will find their credit to have improved enough to qualify for a standard, unsecured card.

UNITY® Visa Secured Credit Card – The Comeback Card™

UNITY® Visa Secured Credit Card - The Comeback Card™

Apply Now
on OneUnited Bank's secure website
Card Details
Intro Apr:

Ongoing Apr:
17.99% (Fixed)

Balance Transfer:
Intro: 9.95% for 6 months

Annual Fee:

Credit Needed:
Poor-Bad-No Credit
Snapshot of Card Features
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.

Card Details +

The UNITY Visa secured credit cards boasts of an online application process that only takes 5 minutes and approval the same day. You can’t have a credit score too low to apply for this card. The minimum security deposit is just $250. And it offers a decent ongoing APR of just 17.99% (Fixed)

Things to Remember

Keep in mind that just because these credit cards have lower approval thresholds than other cards on the market does not mean that every person who applies for one of these cards will be approved. Before you apply for any credit card, it’s good to know the state of your own credit.  Then you’re prepared to search for a card that you’re more likely to qualify for, based on your credit-worthiness. Check your credit scores to get an idea of where you stand. There are free tools that can help you do that, like Credit.com’s Credit Report Card, which updates your scores every 14 days, and gives you an overview of your credit so you can see where you need to improve.

At publishing time, the First Progress Platinum Elite MasterCard Secured Credit Card, Capital One Platinum MasterCard and Discover it Card for Students are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

More on Credit Cards:

Image: Getty Images


Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team