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From the Experts at Credit.com

The Easiest Credit Cards to Get

Advertiser Disclosure by Lucy Lazarony

Looking to establish or re-establish your credit but not sure what you will qualify for? Here are some of the easiest credit cards you can get right now.

Looking to establish or re-establish your credit but not sure where to apply?

You may not be able to qualify for every credit card, especially if you have bad credit. You can see where your credit score stands (and get matched with credit cards you’re likely to qualify for) for free on Credit.com.

Here are some of the easiest credit cards you can get.

Retail Credit Cards

A store credit card has lower credit criteria than a traditional credit card and tends to be easier to get. Plus, you often receive a discount on your first purchase after signing up for the card, plus extra rewards and offers when you shop at that retailer.

A key downside to a retail credit card is that interest rates tend to be higher. So be sure to charge only what you are likely to pay off each month. Otherwise, you will pay the price in hefty finance charges. Even making a couple of small purchases a month on needed items for your home will help you to establish and build your credit if that’s your goal. So spread out your purchases over a number of months and build your credit record carefully while keeping finance charges at bay.

Gas Credit Cards

A gas credit card is a specialized type of retail credit card. A gas credit card allows you to earn rewards for buying gas, as well as for other purchases. These cards may also offer a discount at the pump in lieu of rewards. These cards vary in their terms and conditions, but many offer a lower limit when you first become a cardholder, which is why they may be easier to get.

The trick is building credit through a series of small purchases. So fill up your tank once or twice a month and pay your bill in full each month. Doing so will you help to establish a positive payment record. For credit-building purposes, avoid spending more than 10% of your credit line in any given month.

Secured Credit Cards

With a secured card you are required to make a cash deposit and this deposit secures you a line of credit. Your credit line is the amount of your deposit minus any fees charged by the card issuer.

You can use your secured card anywhere you can use a traditional unsecured credit card.

After a year or so of steady, on-time payments your credit may improve enough that you may be able to qualify for an unsecured credit card.

Be sure to choose a secured card that reports to all three national credit reporting agencies.


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  • Meet Our Expert

    lucy_lazarony GravatarLucy Lazarony is a freelance personal finance writer. Her articles have been featured on Bankrate, MoneyRates, MSN Money, and The National Endowment for Financial Education. Prior to freelancing, she worked as a staff writer for Bankrate for seven years. She earned a bachelor's degree in journalism from the University of Florida and spent a summer as an international intern at Richmond, The American International University in London. She lives in South Florida.
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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.