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Credit Cards That Are Easy To Get

Find easy credit cards to get approved for that can help improve your credit history with on-time monthly payments.

Easy to get credit cards are a great option when you need to establish a positive credit history.

One of the best actions to overcome a bad credit history is to show how well you currently manage debt by improving your payment history.

A popular way to build or re-establish credit is with a secured credit card. But you have more options other than to rely on a secured credit card.

Save your money with credit cards you can get with bad credit that don’t require a security deposit.

Credit Cards That Are Easy To Get

When you have a poor credit history credit cards that are easy can open new financial opportunities in the future, such as getting approved for a loan or a mortgage by using credit responsibly. Here are a few options:

Destiny Mastercard®

The Destiny Mastercard® is an unsecured credit for bad credit so take comfort in knowing you don’t have to pay a security deposit. Keep your account in good standing and it may help establish or improve your credit history.

  • All the benefits of a Mastercard, without a security deposit
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score.
  • Reports to all three major credit bureaus.


Milestone® Mastercard®

The Milestone® Mastercard® is a no deposit credit card for bad credit that can be used wherever Mastercard is accepted in the U.S. With no security deposit required for this Mastercard® your money stays in your pocket.

  • Prequalify for a card today and it will not impact your credit score.
  • Less than perfect credit is okay.
  • Mobile account access at any time.
  • Protection from fraud if your card is stolen.
  • Account history is reported to the three major credit bureaus in the U.S.
  • Disclaimers: *Dependent on credit worthiness.


Indigo® Mastercard®

Shop online, in-store, and in-app with Indigo. Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.

  • Pre-qualify for a card today and it will not impact your credit score.
  • Less than perfect credit is okay.
  • Mobile account access at any time.
  • Fraud protection for stolen or lost cards.
  • Account history is reported to the three major credit bureaus in the U.S.


Credit Cards You Can Get With No Credit

When you have a limited or no credit history at all, credit cards you can get with no credit offer an easy way to start building a positive payment history. Here are a few options:

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is a no credit check credit card giving an opportunity to everyone that wants to build or rebuild credit. The refundable deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.

  • 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.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card


Chime Visa® Credit Builder Card

This account is designed to help people with little or no credit history and even bad credit to establish and improve credit. There’s no credit check, no interest and no minimum required security deposit.

  • No credit check to apply, no annual fees or interest, and no minimum security deposit required.
  • Build credit by moving money from your Chime Checking Account into the Credit Builder secured account. This is the amount you can spend on your card.
  • Optional feature lets you turn on Safer Credit Building that automatically moves money to pay your monthly balance automatically.
  • Chime reports your transactions made with the credit builder card to Transunion®, Experian®, and Equifax®.
  • Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account and receive a qualifying direct deposit of $200 or more.


How to Improve Your Credit History

Using a credit card responsibly is one of the fastest ways to build credit. Follow these tips:

  • Use your new credit account. Demonstrate good credit management by using your credit card regularly and pay your bill before your due date.
  • Don’t overuse the card. Keep the amount owed on your credit card below 30% at all times. On a card with a $300 credit limit, for example, that means you should keep your balance under $90. Low utilization is one of the best ways to improve credit scores.
  • Pay on time and in full. If possible, pay your entire balance in full every month. If you can’t pay in full, pay at least the minimum amount due by your due date.
  • Track your progress. Check your credit score and credit report regularly to stay on top of your status. That way you will know if anything changes. You can get access to your credit score and credit reports at myFICO.

How Credit Card Interest Works

Credit cards typically charge interest on any outstanding balance that is not paid off in full each billing cycle. The interest rate is expressed as an annual percentage rate (APR) and is typically applied to the average daily balance on the card.

To understand how credit card interest works, consider the following example:

Let’s say you have a credit card with an APR of 18% and a balance of $1,000. If you do not pay off the balance in full at the end of the billing cycle, interest will be charged on the remaining balance.

To calculate the interest charged, the credit card issuer will typically divide the APR by 365 (the number of days in a year) to determine the daily periodic rate. In this case, the daily periodic rate would be approximately 0.049%.

Next, the issuer would multiply the daily periodic rate by the average daily balance on the card. For example, if the average daily balance was $800, the interest charged for one day would be approximately $0.40 ($800 x 0.049%).

Finally, the issuer would multiply the daily interest charge by the number of days in the billing cycle to determine the total interest charged for that month. If the billing cycle is 30 days, the total interest charged on a $1,000 balance would be approximately $14.70 ($0.40 x 30).

It’s important to note that if you pay off your balance in full each billing cycle, you can avoid paying any interest charges.


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