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2 Easy-to-Get Credit Cards

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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.

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    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 team’s favorite easy-to-get credit cards to get, as well as their unique features:

    • OpenSky Secured Visa Credit Card: A great choice for those with credit ranging from bad to fair. If you decide on this card, you can secure a credit line as low as $200 but as high as $3,000.
    • 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.

    OpenSky Secured Visa Credit Card

    OpenSky® Secured Visa® Credit Card

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

    Ongoing Apr:
    17.39% (variable)

    Balance Transfer:

    Annual Fee:

    Credit Needed:
    Fair-Poor-Bad-No Credit
    Snapshot of Card Features
    • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
    • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
    • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
    • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
    • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
    • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
    • *View our Cardholder Agreement located at the bottom of the application page for details of the card

    Card Details +

    Benefits: As far as APRs go, the OpenSky Secured Visa Credit Card isn’t too bad—only 18.89% (variable). In comparison to some of the other credit cards on this list, an 17.39% (variable) is on the lower side.

    If you’re looking for a credit line that’s a bit on the higher side, the OpenSky credit card gives you the option to choose your credit line from as low as $200 to as high as $3,000. Plus, if you use this credit card carefully, your credit line will increase along with your credit score. You could get up to a $5,000 credit line.

    Drawbacks: Just a few of the credit cards on this list, the OpenSky Secured Visa Credit Card has an annual fee of $35. It’s not as high as some other credit cards, but it’s still something to keep in mind if you’re considering applying for this card.

    Indigo Platinum Mastercard

    Indigo® Platinum Mastercard®

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

    Ongoing Apr:

    Balance Transfer:

    Annual Fee:
    $0 - $99*

    Credit Needed:
    Snapshot of Card Features
    • Easy pre-qualification process with fast response
    • 24/7 access to your account, even on mobile!
    • 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

    Card Details +

    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.

    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

    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.

    Sometimes fixing your credit score on your own is easier said than done. If you need help getting your credit back on track, visit’s credit repair resource page.

    Editorial disclosure: Reviews are as determined solely by 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 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.

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