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From the Experts at Credit.com

Simple Credit Cards to Make Life Easier in 2020

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The simplest credit cards can make it easy to manage your financial life, but which one is best for you? There’s no one right answer because the best simple credit card for you is the one that matches your spending habits and financial needs. It’s also one you can get approved for. Read about some of Credit.com’s selections for excellent basic credit cards below.

  • Citi Simplicity Card: No annual or late fees and a relatively long introductory low-APR period for balance transfers are two things that cause this card to stand out for simple management of debt.
  • Citi Secured Mastercard: This secured credit card might be an option for those looking to rebuild their credit.

What Is the Easiest Credit Card to Get?

The easiest credit cards to get tend to be secured credit cards, as they’re often available even to people who have bad credit. However, you generally have to put up a deposit of $200 or more for most of these credit cards. If you’re looking for an unsecured credit card, basic cards that don’t come with a lot of bells and whistles are usually easier to qualify for than high-end rewards products.

But whether or not you can qualify for any card relies heavily on your credit profile. Get a free Credit Report Card today to find out exactly what’s working and what isn’t for you when it comes to credit history. Once you know your score, you can determine whether you want to go ahead and apply to one of these cards or work to repair and build your credit for better chances at approval.

Citi Simplicity Card

Citi Simplicity® Card - No Late Fees Ever

Apply Now
on Citi's secure website
Card Details
Intro Apr:
0% for 12 months on Purchases

Ongoing Apr:
14.74% - 24.74% (Variable)

Balance Transfer:
0% for 21 months on Balance Transfers

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Card Details +

Benefits: No late fees, annual fees or late penalty rates as well as zero liability on unauthorized charges make this card simple to manage. And since it comes with a generous introductory Apr of 0% for 21 months on Balance Transfers you can make managing your credit card debt or accounts even easier by consolidating them on this card. The card also offers an introductory APR of 0% for 12 months on Purchases. Ongoing APRs are 14.74% - 24.74% (Variable).

Disadvantages: You’ll need good to excellent credit for approval. Once the introductory APR period is up, the ongoing APR is 14.74% - 24.74% (Variable).

The card doesn’t have annual or foreign transaction fees. Its APRs are generous as well: and , with an ongoing APR of . Finally, this card currently has a sign-up bonus of $150 cash back if you spend just $500 in the first three months from account opening.

Disadvantages: You’ll need good to excellent credit to get approved for this card. And the ongoing APR is after the introductory period, which can be a little steep if your credit isn’t excellent enough for the lower rates.

Citi® Secured Mastercard®

Citi® Secured Mastercard®

Apply Now
on Citi's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
22.49% (Variable)

Balance Transfer:
22.49% (Variable)

Annual Fee:
$0

Credit Needed:
Good-Limited-No Credit
Snapshot of Card Features
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.

Card Details +

Benefits: This card might be an option for individuals without credit or who have a limited credit history. There’s no annual fee, and flexible payment due dates lets you pick approximately when each month you need to pay your bill. That helps you manage your budget and make timely payments on your card, which can help build your credit.

Disadvantages: You do have to put up a deposit before you can be approved because this is a secured credit card. The ongoing APR is 22.49% (Variable) , which is relatively high.

Apply for a Simple, Hassle-Free Credit Card

The best simple credit card for you is the one that makes it easy to manage your normal spending and keep up with credit card statements and payments. Whether you’re getting back on track with credit or applying for your first credit card, check out all the options before applying for a simple credit card today.

Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.

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.


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