If you have bad or non-existent credit, finding a credit card can be difficult. Whether you’ve gone through a recent and difficult financial situation or you’re looking to establish your credit history, it’s time to build up your credit score. Don’t let your less-than-ideal credit score hold you back. When it comes to credit cards, there are some easy to get credit cards out there for you to use.
Two Options for Easy-to-Get Credit Cards—Secured Versus Unsecured Credit Cards
When looking for easy-to-get credit cards, you encounter options that are either secured or unsecured. Secured credit cards are primarily for those whose credit falls into the poor to bad range.
Unlike unsecured credit cards, a secured credit card requires a security deposit. This deposit is either used as a down payment toward your credit limit or your entire credit line. The deposit protects the issuing bank from what? while still giving you an opportunity to build your credit.
Secured credit cards are ideal for anyone who doesn’t have a credit history or who has bad credit. When used responsibly—making payments on time, watching your credit utilization ratio and such—a secured credit card can help improve your credit score. And, a secured card is the easiest credit card to get.
When people think of credit cards, they more often think of unsecured credit cards. Unsecured cards are cards you can apply for and, if accepted, use to charge purchases up to your given credit line without worrying about a security deposit. Even if you have less-than-average credit, there are still some great easy-to-get credit card options for you.
Easy-to-Get Credit Cards for Lower Credit Scores
Here’s a quick snapshot of the Credit.com team’s favorite easy-to-get credit cards to get, as well as their unique features:
- Credit One Bank® Platinum Visa® with Cash Back Rewards: Available to those with fair to bad credit score. If you decide on this card, you can pay a fee to increase your credit line, which helps improve credit.
- Indigo® Platinum Mastercard®: Available to those with fair credit. This is also an unsecured card. This card has other features such as 24/7 account access and fraud protection.
- Capital One® Secured Mastercard®: This is a great option for those who have bad credit. You can receive a higher credit line after making on-time payments on the card over the first five months of having the account.
- UNITY® Visa Secured Credit Card – The Comeback Card™: Available to those with any credit score, as no minimum credit score to apply is required. Simply meet the minimum $250 security deposit to quickly and easily receive your card.
Credit One Bank® Platinum Visa® with Cash Back Rewards
- Seeing if you Pre-Qualify is fast, easy, and secure
- Get 1% cash back rewards on eligible purchase, terms apply
- Rewards post automatically to your account each month
- Automatic reviews for credit line increase opportunities
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Pick a card that fits your style. Multiple card designs are available, a fee may apply
- Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
- Your card includes travel accident and auto rental collision insurance from Visa®
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Benefits: There are great cash reward credit cards for those with below-average credit scores. The Credit One Bank Platinum Visa with Cash Back Rewards is one of the relatively few cash back rewards cards that’s available to those with bad credit.
With this card, you get 1% cash back on all eligible purchases. Plus, your rewards are automatically posted to your account every month. You can also choose your own card design—a fee may apply.
If you’re looking for more credit, this card could give you credit line increase opportunities with responsible use and on-time monthly payments—you might have to pay a fee. This card also has a fast, easy and secure pre-qualification process.
Drawbacks: As with any credit card for poor credit, this one has a pretty high ongoing annual percentage rate or APR—it’s 20.24% - 26.24% Variable. You might have to pay an annual fee within the range of $0 - $99, depending on your creditworthiness.
Indigo® Platinum Mastercard®
- Simple and fast application process
- Access your account online or from your mobile device 24/7
- Select your own style of card design at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- Protection from fraud, if your card happens to be lost or stolen
- Accepted nationwide wherever Mastercard is accepted
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Benefits: Another great card for those with less-than-average credit, the Indigo Platinum Mastercard is an ideal starter card for those looking to improve their credit. With responsible use, of course! When you use this card, your account history is reported to the three major credit bureaus. If you responsibly use your credit card and make on time payments, this could bump up your credit score.
When you apply for this card, you go through an easy and fast application process. This card gives you other benefits, such as 24/7 account access and fraud protection.
The card itself is also customizable! You can change the face and style of the actual credit card for free.
Drawbacks: This is another credit card with a steep ongoing APR, of 24.90%. Plus, you might have to pay an annual fee of $0 - $99*, depending on your creditworthiness. The Indigo Platinum Mastercard certainly doesn’t have the bells and whistles of the Credit One Bank Platinum Visa with Cash Back Rewards, but that’s not uncommon for a credit card specifically for less-than-ideal credit.
Benefits: The Capital One Secured Mastercard is a great secured credit card option if you have bad credit. With this card, you simply make a security deposit of $49, $99 or $200 to get a credit limit of $200. Your deposit will depend on your creditworthiness.
Unlike the other cards on this list, the Capital One Secured Mastercard doesn’t require an annual fee. This card also regularly reports to the three major credit bureaus, which is another great benefit when it comes to building your credit. When you pay your first five monthly payments on time, you can get a higher credit line—no additional deposit needed!
Capital One is a good choice for monitoring your credit score with its. This allows you to check your credit fast on your mobile device from anywhere. Plus, you’ll have 24/7 access to your account.
Drawbacks: As with any card for those with bad credit, the Capital One Secured Mastercard has a higher APR of 26.99% (Variable).
UNITY® Visa Secured Credit Card - The Comeback Card™
- 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.
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Benefits: The Unity Visa Secured Credit Card comes with one of the lower APRs for an easy-to-get credit card. This card is the only card included here that offers a promotion on balance transfers Intro: 9.95% for 6 months with 17.99% (Fixed) APR afterwards and for all purchases from day one. You don’t have to worry about the APR rising on you.
This is another secured credit card that can help you improve your credit with responsible use and on-time monthly payments. Applying for this card is a breeze, with no application or penalty fee. If you have a minimum of $250 to immediately deposit, you can get started now!
The Unity Visa Secured Credit Card has other benefits, such as 24/7 online access to your account. Plus, your credit history is reported to all three major credit bureaus each month! You have to pay an annual fee, but as far as annual fees go, this one’s on the low side at only $39.
Drawbacks: Because this is an unsecured card specifically for poor, bad or no credit, don’t expect any fun bells or whistles from this one. You can build your credit with responsible card use, but you won’t get cash back rewards.
Do You Have a Bad Credit Score?
All of the credit cards mentioned above are for fair, poor or bad credit. But do you know which range your credit falls into? Here’s a breakdown of the VantageScore credit score range:
- Excellent credit: 750+
- Good credit: 700–749
- Fair credit: 650–699
- Poor credit: 600–649
- Bad credit: below 600
Experian breaks down FICO score ranges as the following:
- Excellent credit: 750–850
- Good credit: 700–749
- Fair credit: 650–699
- Poor credit: 550–649
- Very poor or bad credit: 300–549
If you’re unsure where your credit score stands, get your free Experian credit score on Credit.com.
Get Your Credit Back on Track
Each individual’s spending habits, financial circumstances and actual credit score determines which easy-to-get credit card is right for you. When used responsibly, these options could provide you with an excellent choice to move forward in your journey to getting an improved credit and a more stable financial future.
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.
Advertiser Disclosure: The credit card offers that appear on this website are from credit card companies that Credit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.