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<p style="text-align: left;"><span style="color: #000000;"><img src="https://www.investopedia.com/thmb/BB5IoxN5ka8XgQXLv792KDh573o=/2121x1414/filters:fill(auto,1)/creditcardjacquesloicGettyImages-140359950-578ea7593df78c09e98149ae.jpg" width="540" height="360" style="display: block; margin-left: auto; margin-right: auto;" /></span></p>
<p style="text-align: justify;"><span style="color: #000000;">Credit cards are a convenient way to make purchases, pay bills, and book travel arrangements. As an added benefit, many credit cards offer cash back, points, or miles on your spending, which can save you money. A credit card can also help with establishing and building a good credit score. But what is the easiest credit card to get when you have a limited credit history or poor credit? Here's a closer look at which cards may be within reach.</span></p>
<h2 id="mntl-sc-block_1-0-4" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading" style="text-align: justify;"><span class="mntl-sc-block-heading__text" style="color: #000000;">Credit Card Approval Requirements</span></h2>
<p id="mntl-sc-block_1-0-5" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Credit card issuers differ in terms of what it takes to be approved. But generally, these factors are considered when you apply for a card:</span></p>
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<li style="text-align: justify;"><span style="color: #000000;">Your credit score</span></li>
<li style="text-align: justify;"><span style="color: #000000;">Your income</span></li>
<li style="text-align: justify;"><span style="color: #000000;">Your employment</span></li>
<li style="text-align: justify;"><span style="color: #000000;">Your monthly rent or mortgage payment</span></li>
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<p id="mntl-sc-block_1-0-9" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">These things give card issuers an idea of your ability and likelihood to pay back what you spend with a credit card. Credit card companies can also perform a hard inquiry of your credit report to learn more about your credit history. That can trim a few points off your credit score.</span></p>
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<h3 id="mntl-sc-block-callout-heading_1-0-1" class="comp with-title mntl-sc-block-callout-heading mntl-text-block"><span style="color: #000000;">Note</span></h3>
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<p><span style="color: #000000;">Checking your own credit reports before applying for a credit card won't affect your credit score. </span></p>
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<h2 id="mntl-sc-block_1-0-13" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading" style="text-align: justify;"><span class="mntl-sc-block-heading__text" style="color: #000000;">What Is the Easiest Credit Card to Be Approved For?</span></h2>
<p id="mntl-sc-block_1-0-14" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">The easiest credit card to get is different for everyone since it will depend on your credit score and the other factors listed above. The credit cards that are available to you may also depend on whether:</span></p>
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<li><span style="color: #000000;">You're a student</span></li>
<li><span style="color: #000000;">You have no credit or a thin credit file</span></li>
<li><span style="color: #000000;">You have bad or poor credit</span></li>
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<p id="mntl-sc-block_1-0-18" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">If any of those apply to you, there are some specialized types of credit cards that will be easier to get than others. They include student credit cards, starter credit cards, and secured credit cards. </span></p>
<div id="mntl-sc-block_1-0-19" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block" style="text-align: justify;"></div>
<h3 id="mntl-sc-block_1-0-20" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading" style="text-align: justify;"><span class="mntl-sc-block-subheading__text" style="color: #000000;">Student credit cards</span></h3>
<p id="mntl-sc-block_1-0-21" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Student credit cards are designed for college students who are just beginning to establish their credit history. These cards can offer rewards, and if they do, they're typically geared toward purchases students spend the most money on, such as dining out or gas. </span></p>
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<p class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">A student credit card can be easier to get than a regular one if you have no credit history at all or a limited one. The federal CARD Act requires you to be at least 21 to get a student credit card in your name, although you can apply as young as 18 if you have sufficient income or a cosigner who is at least 21.<span class="mntl-inline-citation mntl-dynamic-tooltip--trigger" data-id="#citation-2" data-tooltip-position-x="center" data-tooltip-position-y="top">2</span></span></p>
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<h3 id="mntl-sc-block_1-0-25" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading" style="text-align: justify;"><span class="mntl-sc-block-subheading__text" style="color: #000000;">Starter credit cards</span></h3>
<p id="mntl-sc-block_1-0-26" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Starter credit cards are also designed for people who are just starting out with credit but who aren't necessarily students. These types of cards are more likely to charge annual fees and carry a higher annual percentage rate (APR). </span></p>
<div id="mntl-sc-block_1-0-27" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block" style="text-align: justify;"></div>
<h3 id="mntl-sc-block_1-0-28" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading" style="text-align: justify;"><span class="mntl-sc-block-subheading__text" style="color: #000000;">Secured credit cards</span></h3>
<p id="mntl-sc-block_1-0-29" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Secured credit cards work just like unsecured credit cards except that they require a cash deposit to open. This deposit typically doubles as your credit limit. The difference is that a standard secured credit card will usually require a hard check of your credit to get approved. Once you have had a secured card for a period of time, and demonstrated that you use credit responsibly, you may be eligible to graduate to a regular, unsecured card.</span></p>
<h2 id="mntl-sc-block_1-0-33" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading" style="text-align: justify;"><span class="mntl-sc-block-heading__text" style="color: #000000;">What Is the Easiest Credit Card to Get With No Credit or Thin Credit?</span></h2>
<p id="mntl-sc-block_1-0-34" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Having no credit means you don't have any credit history at all. A thin credit file means you have some credit history, but it's not enough to generate a credit score. In either case, you could be "invisible" to credit card companies when trying to apply for new credit.</span></p>
<div id="mntl-sc-block_1-0-35" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block" style="text-align: justify;"></div>
<p id="mntl-sc-block_1-0-36" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">In that case, the easiest credit card to get may be a starter card or secured credit card. Examples of cards you might qualify for include:</span></p>
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<li><span style="color: #000000;"><strong>OpenSky Secured Visa: </strong>The OpenSky Secured Visa is a no credit check card that's also a secured credit card. You can set your credit limit by making a cash deposit of $200 to $3,000, and your account activity will be reported to all of the three major credit bureaus.</span></li>
<li><span style="color: #000000;"><strong>First Progress Platinum Elite Secured Mastercard: </strong>The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.</span></li>
<li><span style="color: #000000;"><strong>Deserve EDU Mastercard for Students: </strong>The Deserve EDU Mastercard for Students doesn't require a Social Security number to apply, so it could be good for international students.</span></li>
</ul>
<div id="mntl-sc-block_1-0-39" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block" style="text-align: justify;"></div>
<h2 id="mntl-sc-block_1-0-40" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading" style="text-align: justify;"><span class="mntl-sc-block-heading__text" style="color: #000000;">What Is the Easiest Credit Card to Get With Fair Credit?</span></h2>
<p id="mntl-sc-block_1-0-41" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">If you have fair credit, rather than no credit or bad credit, then you might have a different range of credit card options to choose from. Fair credit on the FICO credit scoring scale generally means a score between 580 and 669.</span></p>
<div id="mntl-sc-block_1-0-42" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block" style="text-align: justify;"></div>
<p id="mntl-sc-block_1-0-43" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Here are some of the easiest credit cards to get with fair credit:</span></p>
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<li><span style="color: #000000;"><strong>Capital One Platinum Mastercard: </strong>The Capital One Platinum Mastercard is geared toward people with fair credit who are interested in improving their credit. This card has a $0 annual fee and includes access to CreditWise credit monitoring.</span></li>
<li><span style="color: #000000;"><strong>Discover it Secured Card: </strong>The Discover it Secured Card can help with building or rebuilding credit. A security deposit is required, but it's refundable. This card also has a cash back rewards program.</span></li>
<li><span style="color: #000000;"><strong>Credit One Platinum Rewards Visa: </strong>The Credit One Platinum Rewards Visa is designed for people with fair credit who are interested in earning rewards on purchases. Keep in mind this card does have an annual fee and a higher APR, which could make carrying a balance expensive.</span></li>
</ul>
<h2 id="mntl-sc-block_1-0-49" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading" style="text-align: justify;"><span class="mntl-sc-block-heading__text" style="color: #000000;">What Is the Easiest Unsecured Credit Card to Get Approved For?</span></h2>
<p id="mntl-sc-block_1-0-50" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">Unsecured credit cards require no cash deposit to open. It's possible to get some unsecured cards if your credit is in the fair, or even bad, range. </span></p>
<div id="mntl-sc-block_1-0-51" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block" style="text-align: justify;"></div>
<p id="mntl-sc-block_1-0-52" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html" style="text-align: justify;"><span style="color: #000000;">If you have poor credit or no credit, consider these unsecured card options:</span></p>
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<li style="text-align: justify;"><span style="color: #000000;"><strong>Credit One Bank Platinum Visa: </strong>The Credit One Bank Platinum Visa offers cash back with no security deposit required. This card does have an annual fee, however.</span></li>
<li style="text-align: justify;"><span style="color: #000000;"><strong>Total Visa: </strong>The Total Visa is an unsecured credit card designed for people who don't have perfect credit. The card reports to all three credit bureaus, which can help in building a better credit history. Note that there's an initial program fee for opening an account.</span></li>
<li style="text-align: justify;"><span style="color: #000000;"><strong>Petal 2 Visa: </strong>The Petal 2 Visa is a cash back rewards card that offers higher credit limits with no fees. There's no deposit required at sign-up, and you can use the card to build or rebuild credit. </span></li>
</ul>
<p style="text-align: left;"><span style="color: #000000;">To read the full article, </span><a href="https://www.investopedia.com/what-is-the-easiest-credit-card-to-get-approved-for-5077189">click here</a><span style="color: #000000;">.</span><br /><span style="color: #000000;"></span></p>
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