Easy Approval Credit Cards
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 with easy approval credit cards.
A very popular way to re-establish credit is with easy approval credit cards or no-deposit credit cards that offer a second chance.
Top Credit Cards That Are Easy To Get
APRs
No interest charges
Fees
(2) Membership Plans: $9 monthly or $72 annual
Credit Needed
No credit check
Annual Fee
None
The Ava Card is strictly a credit builder card that cannot be used like a regular card. It’s designed to give you a generous credit limit that reports to major credit bureaus. But you’ll only be able to use a small portion of that credit limit.
This can help your credit score by showing a high limit credit card with low utilization rate. Keep in mind that low utilization shows you’re responsible with your credit and not maxing out your cards and that utilization accounts for 30 percent of your overall credit score.
- Credit limits up to $2,500.
- Ability to spend part of your limit on 60+ online merchants approved by Ava (e.g., Netflix, Spotify, Amazon Prime) or the Ava Store.
- No interest charges.
- No hard credit check.
- Credit card and credit-building loan.
- Reports to all major bureaus.
APR
24.64% (variable)
Annual Fee
$35
Credit Recommended
No credit, Poor, Fair
Credit Line
$200-$3000 at time of application
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. 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
- Get free monthly access to your FICO score in our mobile application
- 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
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
APRs
No interest charges
Fees
(3) Membership options
Credit Needed
No credit check
Annual Fee
None
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
APRs
No interest charges
Fees
Monthly Membership: $2.99
Credit Needed
No credit check
Annual Fee
None
- Charge Card, Not a Credit Card: Unlike traditional credit cards, the Tomo Credit Card doesn’t allow you to carry a balance and incur interest charges.
- No Interest or Fees: Tomo Credit Card doesn’t charge interest, annual fees, late fees, or foreign transaction fees.
- Focus on Credit Building: The card is designed for individuals with no or poor credit who want to establish a credit history without accumulating debt.
- No Credit Check or Security Deposit: Approval does not require a credit check, making it accessible to those with limited or no credit history. It also does not require a security deposit, unlike many secured credit cards
- Bank Account-Based Credit Limit: Your credit limit is determined by your linked bank account’s balance and financial activity, ranging from $100 to $10,000
- No APR or Interest: The card does not allow users to carry a balance from one billing cycle to the next, eliminating the risk of accruing interest charges
APR
10% (non-variable)
Late Fee
up to $5
Credit Needed
Bad, Fair Credit, or No Credit
Annual Fee
None
- With an eligible Prime membership you can earn 2% back in rewards at Amazon.com, Amazon Fresh and more.
- You can submit a refundable security deposit from $100 to as much as $1,000, which will be your credit limit.
- Report to 3 major credit bureaus every month which may help improve your credit.
- Synchrony Bank will review your account in 12 months to determine if you’re eligible for an upgrade to an unsecured card. If and when you’re upgraded, your security deposit will be returned.
- The Amazon Secured Card is a closed-loop card, which means that it can be used only at Amazon.com or Amazon physical stores.
How easy approval credit cards work
Easy approval credit cards typically grant cardholders a credit line without requiring a security deposit. Good management of credit cards for bad credit can help you establish a positive payment history which will help improve credit scores over time.
People with a poor credit history need an opportunity to prove they can manage credit as well as debt. An unsecured credit card to rebuild credit is a good option.
If you’ve had credit problems in the past easy approval credit cards can help you get back on track. Start off slow and use credit cards wisely for items like gas or groceries and pay it off monthly — watch your credit score rise.
How to improve credit history with easy approval credit cards
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.
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