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Easiest Credit Cards to Get in June 2024

This guide breaks down the easiest credit cards to get, specifically tailored for those new to the world of credit.

Whether you’re a student, recent grad or your financial reputation needs a fresh start, we outline the best options and what to look for including:

  • What types of credit cards are easy to get
  • What to look for in a credit card
  • Approval requirements for credit cards

Our top picks for the easiest credit cards to get

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Best for no credit check or fees

Chime Credit Builder Secured Visa® Credit Card

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No Rewards

This card doesn’t earn any rewards.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
N/A
Recommended Credit
No Credit History
Why we like it
The Chime Credit Builder Secured Visa® Credit Card is one of the easiest credit cards to qualify for, as it doesn’t require a credit check. It also has no annual fees or interest charges, so it’s a safer way to build credit than many cards.
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Card Details

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The Chime credit card works like other secured credit cards in the sense that it requires a security deposit. However, it offers several features that put it in a league of its own. Chime essentially works like a prepaid card. You simply add money to your Chime Builder secured account from your checking account and can spend until your card balance reaches $0.00. This is great for people trying to build or rebuild credit**, as it works similarly to a debit card (It’s not a debit card, but Chime does offer a debit card— use code SAVE10 to get $10 when you activate your Chime Debit Card within 30 days of enrollment.

However, unlike a debit card, Chime reports to all 3 credit bureaus, so you build credit while you spend. Other noteworthy features of the Chime Credit Builder card include not requiring a credit check at sign-up or a minimum security deposit (Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.)

To qualify for the Chime Credit Builder card, all you need is to open a Chime Checking Account and receive a qualifying direct deposit of $200 or more. After receiving that direct deposit you can apply for a secured Chime Credit Builder Visa® Credit Card!

*No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.

**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

**Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

Pros
  • No annual fee
  • No credit check required to apply
  • No annual interest charges
Cons
  • No credit limit greater than your deposit
  • Need direct deposit account with Chime
  • No option to upgrade
Bottom Line

It won’t earn you any rewards and its structure may be slightly confusing, but the Chime Credit Card could be a decent option for building or rebuilding credit safely.

Best for a high approval rate

OpenSky® Plus Secured Visa® Credit Card

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Up to 10% Reward Rate

Earn up to 10% cash back on everyday purchases. OpenSky Rewards links offers from merchants directly to your card, allowing you to automatically earn cash back.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
No Credit History
Why we like it
It’s easy to get approved for the OpenSky Plus card, as evidenced by its 88% approval rating. And unlike some secured credit cards, OpenSky allows cardholders to earn rewards on their purchases.
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Card Details

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  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Pros
  • No annual fee
  • Doesn’t require a credit check
  • High approval rating
Cons
  • Minimum $300 security deposit required
  • High APR

Best for building credit and earning rewards

Capital One Quicksilver Secured Cash Rewards Credit Card

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Up to 5% Reward Rate

Earn 1.5% cash back on all purchases and 5% back on hotels and rental cars booked through the Capital One Travel platform.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
No Credit History
Why we like it
The Capital One Quicksilver Secured lets cardholders earn a flat rate of 1.5% cash back on everything, a decent rate even for unsecured cards. It also has a few other valuable features you can’t normally find on a secured card.
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Card Details

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  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Pros
  • Can qualify with limited credit
  • No annual fee
  • Unlimited 1.5% cash back on all purchases
Cons
  • High APR
  • Limited cash back bonus categories
  • Requires a security deposit
Bottom Line

The 1.5% cash back reward rate of the Quicksilver Secured is on-par with many unsecured cards, making this a great option.

Best for encouraging healthy financial habits

Self - Credit Builder Account with Secured Visa® Credit Card

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No Rewards

This card doesn’t earn any rewards.

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Annual Fee
$25
Welcome Offer
N/A
Regular APR
28.74% variable
Recommended Credit
No Credit History
Why we like it
The unique structure of the Self Visa helps users qualify easily and build their credit from the ground up. It also doesn’t require you to come up with the money for your security deposit all at once, unlike most secured cards.
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Card Details

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  • Start with a Credit Builder Account, make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa® Credit Card, without a hard credit check.
  • Your savings progress from your Credit Builder Account acts as your security deposit for your secured Credit Card.
  • No credit score or hard credit check is needed to get started.
  • Can pay as little as $25/month
  • Reports to all 3 credit bureaus.

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

Self Visa® Credit Card issued by Lead Bank or SouthState Bank, N.A., each Member FDIC. See self.inc for details.

*Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.com/pricing

Pros
  • No upfront deposit
  • No credit score requirement
  • Contributes to credit mix
Cons
  • Can’t use the card immediately
  • Have to commit to 2 years of payments
  • Doesn’t earn rewards

Best for simple rewards for students

Capital One Quicksilver Student Cash Rewards Credit Card

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Up to 5% Reward Rate

Earn unlimited 1.5% cash back on all purchases and 5% back on hotels and rental cars booked through the Capital One Travel platform.

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Annual Fee
$0
Welcome Offer
$50
Regular APR
19.99% to 29.99% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
It’s easy to earn rewards with the Quicksilver Student card — just swipe your card wherever you buy things and you’ll earn unlimited 1.5% cash back. No complicated reward categories to keep track of and no annual fee.
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Card Details

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  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • No foreign transaction fees or hidden fees
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Pros
  • No annual fee / no foreign transaction fees
  • No penalty APR
  • Unlimited 1.5% cash back on all purchases
Cons
  • High APR depending on creditworthiness
  • Limited cash back bonus categories
  • No intro APR offer for purchases

Best for cash-back categories for students

Capital One SavorOne Student Cash Rewards Credit Card

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Up to 10% Reward Rate

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% back on hotels and rental cars booked through Capital One Travel. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.

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Annual Fee
$0
Welcome Offer
$50
Regular APR
19.99% to 29.99% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
The cash-back categories on the SavorOne Student Card could be very useful for students — entertainment, dining, grocery stores, and streaming services earn 3% back.
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Card Details

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  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • No foreign transaction fees or hidden fees
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Pros
  • Good cash back rewards & welcome bonus
  • No annual fee
  • No foreign transaction fees
Cons
  • Highest cash back requires booking through Capital One
  • Possible high APR depending on credit worthiness
Bottom Line

You may still need some established credit for this one, but it could be very valuable if you can qualify.

Best for no security deposit

Capital One Platinum Credit Card

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No Rewards

This card doesn’t earn any rewards.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
20.99% variable
Recommended Credit
Fair/Good (580 - 740)
Why we like it
Cards with rewards may encourage you to spend more money than you probably should. The Capital One Platinum Card keeps things as simple as possible, with no rewards and no annual fee so you can focus on the credit-building thing.
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Card Details

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  • See if you’re approved in seconds.
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
Pros
  • You don’t need great credit to get approved
  • No annual fee
  • Backed by Capital One protections and cardholder benefits
Cons
  • No rewards opportunities
  • High APR
  • No introductory APR offer

Best for a low security deposit

Capital One Platinum Secured Credit Card

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No Rewards

This card doesn’t earn any rewards.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
No Credit History
Why we like it
If you can’t qualify for an unsecured card, the Capital One Platinum Secured could be an option. It’s easy to qualify for since it’s secured and you may only need to put down as low as a $49 security deposit to secure your $200 credit line.
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Card Details

More card info

  • See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
Pros
  • Easy approval
  • $49, $99 or $200 flexible security deposit opportunities
  • No annual fee
Cons
  • High variable APR
  • No rewards structure
  • Requires a security deposit

How the easiest credit cards to get compare

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Card name
Best for
Annual fee
Reward rate
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Easiest credit cards to get: Editorial reviews

Chime Credit Builder Secured Visa® Credit Card

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Just left school and looking for a nifty way to build credit without interest charges, annual fees or the risk of spiraling into a whirlpool of debt? Get a Chime Credit Builder Secured Visa® Credit Card without any credit checks, and you’re on your way. Use your own money as a security deposit, pay for stuff using the card, and get into healthy spending and saving habits. As a bonus, say you get a new job and have to wait an extra week or so to get paid. Free SpotMe coverage means you have access to a fee-free $200 overdraft to cover costs in the meantime.

OpenSky® Plus Secured Visa® Credit Card

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New to the world of financial responsibility? Meet your new best friend, the OpenSky Plus® Secured Visa® Credit Card. With an 88% approval rating, it’s a fantastic way to build credit fast. All you have to do is load it with a deposit and pay your credit card bill on time each month. Use it responsibly, and you could land an unsecured credit card within six months.

Capital One Quicksilver Secured Cash Rewards Credit Card

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The Capital One Quicksilver Secured Cash Rewards Credit Card offers rewards and the potential to increase your line of credit. Put down a minimum refundable deposit of $200, and you’re ready to go. Each dollar spent at Amazon, Gymshark, Uber Eats, Apple — or anywhere else — earns you 1.5% cash back. Capital One’s preapproval tool means you can check if you’re eligible for the card without denting your credit history.

Self - Credit Builder Account with Secured Visa® Credit Card

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A Self - Credit Builder Account with Secured Visa® Credit Card helps you stash cash while beefing up your credit score, even if it’s currently nonexistent. Saving up for the postgraduation trip of a lifetime? When you pay on time, a portion of your payment goes into a certificate of deposit account.

Capital One Quicksilver Student Cash Rewards Credit Card

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Are you a student who’s already figured out that it pays to be careful with money? The Capital One Quicksilver Student Cash Rewards Credit Card gives you 1.5% cash back on everything you buy. While it’s not the heftiest cash-back percentage, it doesn’t encourage you to spend disposable income on takeout and streaming. It does, however, mean you get a little bonus every time you buy a textbook, groceries or any other day-to-day items you’d buy anyway. Plus, if you spend $100 within the first three months of opening the account, you earn $50 absolutely free.

Capital One SavorOne Student Cash Rewards Credit Card

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The Capital One SavorOne Student Cash Rewards Credit Card pays you for doing what you love most. Your next Lil Uzi Vert gig, weekly Shake Shack lunch, New England Patriots game or Netflix subscription could earn you unlimited 3% cash back. Hopefully you’re hungry because you get a whopping 10% cash back on qualifying Uber Eats spending until November 2024. Oh, and did we mention that all other qualifying purchases earn you 1% cash back?

Capital One Platinum Credit Card

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The Capital One Platinum Credit Card is a no-nonsense card designed for those finding their financial feet. Maybe you got a part-time job to support your studies and want a simple, reliable credit card. The Platinum Mastercard is an easy solution without rewards or complicated features. Just think of it as a straightforward tool to establish your credit history — no annual fee, no frills, just the essentials. Over time, you can increase your line of credit by paying in full and on time.

Capital One Platinum Secured Credit Card

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If you’re searching for a card that suits fledgling financial management, the Capital One Platinum Secured Credit Card is a solid choice. The faster you bump up your score to excellent, the easier it is to start building a nest egg for your future. The refundable security deposit can be as low as $49 to begin with. Be consistently responsible with the card, and you could land yourself an unsecured Platinum within months.

Find the right credit card for you. Answer a few questions to get matched with your perfect credit card in 60 seconds or less, with no impact on your credit score. Credit Cards with Mouse Cursor GET STARTED
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What are the easiest types of credit cards to get?

Your eligibility for a credit card is determined by many factors, including your credit rating, income, employment history and housing situation.

Let’s explore the different credit cards that are easier to access.

Starter credit cards

You’ve just scored your first full-time job after college — congrats! Starter cards are a ticket to financial independence. They have lower credit limits and may not come with fancy perks, but they help you practice responsible spending and build your creditworthiness for the future. Young adult credit cards are a great option if you are looking to start your credit journey.

Student credit cards

Student credit cards are tailored to the realities of college life.

In many cases, they have more flexible requirements, understanding that students might have limited income or no credit history. A student card gives you breathing room while helping you establish a credit history.

Secured credit cards

Secured credit cards require a security deposit, which translates into your credit limit.

They’re easy-approval credit cards, even taking into account past financial mistakes. Think of them as money school. Many let you graduate to an unsecured card after a period of responsible use.

Store credit cards

Store credit cards, provided by specific retailers, are often easier to get than general-purpose credit cards.

They usually come with discounts or perks related to that particular store. But be smart: those high interest rates can bite you if you’re not careful.

For example, let’s say you’re shopping and see a pair of jeans for $80. The store has a credit card with a 20% discount today, but the card has a high interest rate of 29.99%. Tempted by the $16 savings, you buy the jeans and put a few extra items worth $50 on the card.

After the discount, your initial balance is $114. The bill arrives, and you make the $25 minimum payment. Due to the high interest, your new balance is around $123. See how easy it is to spend more than you intended?

Authorized-user credit cards

Perhaps your parents or a partner have an excellent credit history and are willing to add you as an authorized user on their card. This helps you piggyback on their good credit habits, bumping up your score without having to manage an account yourself.

Just keep in mind that the cardholder is ultimately responsible for all spending, so communication is key. What’s more, your credit score only benefits if they’re already a financial ninja.

What to look for in a credit card

Let’s break down the factors to look for in a credit card.

Credit score

Your credit score is like a financial GPA, showing how responsibly you’ve managed credit in the past.

Many banks have an online tool that lets you check your score for free. This helps you understand which cards you might qualify for — with starter or student cards being go-to first steps.

APR

APR, or annual percentage rate, is the interest charged if you don’t pay your balance in full each month. Think of it like a rental fee for borrowing money on the card.

Some credit cards, including starter cards, might have a higher APR. The key is to develop good habits and pay your balance in full to avoid those charges.

Fees

Sneaky fees can eat away at your hard-earned cash. Keep an eye out for:

▶︎  See: Best no foreign transaction fee cards

Rewards

While high-end cards might offer extravagant rewards, even easy-to-get cards have perks. Common examples include:

Benefits

Beyond rewards, some cards offer benefits that provide peace of mind:

When choosing a new card, prioritize features that fit your lifestyle and budget. This lays the groundwork for good credit habits that open doors down the line.

Credit card approval requirements

Easy credit card approval is reserved for those with strong financial habits.

Lenders look at several things before giving you the green light. Factors include income, debts, assets, credit score, credit history, credit utilization and credit mix.

What credit score do I need to get approved?

Some credit cards target individuals with good to excellent credit, while others cater to those rebuilding or starting from scratch. Check your score using a free online tool to get a sense of which cards to target.

How long does it take to get approved for a credit card?

Many online applications offer decisions within minutes. Others may take a few days if they need to review your info more closely.

How to make the most of your credit card once approved

Use your card wisely to build a solid financial foundation. Here’s how:

1

Always pay on time.

Late payments hurt your credit score. Set reminders or use autopay to make the process stress-free.

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2

Keep your balance low.

Use less than 30% of your max credit limit.

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3

Aim for long-term use.

The longer you have a card and use it responsibly, the better your credit score becomes.

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How do I get a credit card if no one will approve me?

Let’s look at options if traditional cards aren’t working for you:

Struggling to get your first credit card with no credit history? A secured card could be your ticket to financial freedom.

Explore your options using the easy-to-use credit card comparison tool, CardMatch, and find the best credit card to launch your financial journey.

FAQs: Easiest credit cards to get

What is the easiest card to get approved for?

Starter, student and secured cards are tailored for people new to credit.

What credit score do I need to get a credit card?

There’s no universal answer. Some unsecured cards may accept scores in the fair range. On the other hand, you can get a secured credit card with a bad credit score or none at all.

What credit card can I get with a 500 credit score?

Secured cards are the best option for someone with a credit score of 500, with many not requiring a credit check at all.

What is the difference between secured and unsecured credit cards?

A secured credit card requires a deposit, which acts as your credit limit. With unsecured cards, the lender determines your credit limit based on your credit score.

What are instant approval credit cards?

With instant approval credit cards, you get a decision within minutes of applying.

Are store credit cards easy to get?

Frequently, yes. But beware of high interest rates and the temptation to overspend.

About the Author

Imogen Sharma
Imogen Sharma Finance Contributor

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank, Lendzi, MoneyTips and Indeed, providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire, Reworked, WalletGenius and The Customer, serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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