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Credit Cards

Credit Cards That Are Easy To Get Approved For (2021)

We all know that it is not necessarily easy to get approved for a certain credit card.

Some credit cards have specific credit requirements that you need to meet in order to get them.

Others require a certain amount of credit history before you can get approved.

However, not all credit cards are so difficult to get.

Here are eight credit cards that are easy for you to get approved for, in no particular order. 

1. Surge MasterCard

It is easy to get approved for the Surge MasterCard. One of the reasons for this is the fact that the Surge MasterCard is specifically designed to help you rebuild your credit.

It does so by reporting your payments to all the major credit bureaus.

All you have to do is continue to make your monthly payments on time, and it will help you improve your credit score.

Since this card is made to help you rebuild your credit, you do not have to worry about getting approved if you have fair or bad credit. 

2. Milestone MasterCard

Another card that offers you easy approval is the Milestone MasterCard. You can get approved for this credit card even if your credit score isn’t very good.

It is important to keep in mind that this credit card also has a fairly low credit limit of only $300 minus the annual fee.

The annual fee for this credit card ranges from $35-99, so the credit limit is really less than $300.

You can increase your credit score with this card as well if you make your payments on time since the account history is reported to the three major credit bureaus in the United States.

3. Discover It Student Cash Back

College students may need a credit card that is easy to get approved for since they may not have too much credit history in the first place.

All you need in order to qualify for this credit card is to be at least 18 years old, a college student, and enrolled in a two-year or four-year college or university.

There is no annual fee associated with this credit card. You only need fair credit to get approved for this, but you can get accepted if you are just starting out your credit history, too.

You do have to authorize Discover to contact you via text or phone to get approved for this card, however. 

4. Secured Mastercard from Capital One

The Secured Mastercard from Capital One is an excellent choice if you are looking for a credit card that is easy to get approved for if you have no credit history.

You do have to provide a refundable security deposit of $49,$99, or $200 in order to qualify for this card.

This serves as collateral, so this credit card can have a $200 credit limit.

You can deposit more money initially, up to $1,000, if you want to have a higher credit limit on this credit card.

There is no annual fee for this card. You can get approved for this credit card if you have bad or limited credit. 

5. Discover It Secured Credit Card

To qualify for the Discover It Secured Credit Card, you have to deposit cash collateral with Discover Bank that is an amount equal to the credit line for the credit card.

You have to deposit at least $200. You also have to be a U.S. resident and at least 18 years old in order to qualify for this card.

Additionally, you have to authorize Discover to perform a hard pull of your credit reports and allow them to contact your bank, employer, and others.

You must also let Discover reach out to you via phone or text.

This card has no annual fee, and you can get this credit card if you’re new to credit or trying to rebuild your credit score. 

6. OpenSky Secured Visa Credit Card

It is very easy to get approved for the OpenSky Secured Visa Credit Card. You do not even have to go through a credit card to get approved for this card.

Your security deposit is the exact same amount as your credit limit. This can range from a minimum of $200 to a maximum amount of $3,000.

This card reports your payments to the three major credit bureaus to help you build your credit. The annual fee for this credit card is $35.

You have to be a U.S. citizen, at least 18 years old, and you must have a Social Security Number or an Individual Taxpayer Identification number in order to qualify.

You also have to have sufficient monthly income to afford all the expenses of using this card.

7. NetSpend Visa Credit Card

You don’t need a credit check or even a bank account in order to get approved for this credit card. In fact, you are not even required to maintain a minimum balance with this card.

You can buy the card for $9.95 at a retail location. Since this is a prepaid card, you can only spend the amount that is on the card and nothing more.

As a result, you don’t have to worry about overdraft fees.

You have to be 18 years old or older, have the ability to prove your identity, and be able to lawfully enter into contracts in your state of residence.

The annual fee for this card is up to $9.95 monthly. 

8. Petal 2 Visa Credit Card

This is an easy credit card to get approved for because you do not even need to have any credit history whatsoever to get it.

You do not have to pay an annual fee for this card.

You also get 1-1.5% cashback on purchases.

This credit card reports your account activity to all three major credit bureaus, so you can start off with good credit if you make your payments on time. 

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