FAQs
One of the easiest store credit cards to get is the Fingerhut Credit Account. The card has a $0 annual fee and can help people with no credit or even bad credit improve their credit standing for free. But there are other options to choose from, too.
How can I get approved for a credit card if I have no credit? ›
You can still get approved for a credit card without a credit history. In fact, there are credit cards designed for people with no credit, such as secured cards and student cards. You'll want to pay attention to features like fees and interest rates when shopping for your first credit card.
What is the easiest card to get approved? ›
Easiest credit cards to get approved for
- Best for unsecured card: Capital One Platinum Credit Card.
- Best student dining card: Capital One SavorOne Student Cash Rewards Credit Card.
- Best for students: Discover it® Student Cash Back.
- Best for no annual fee: Citi Double Cash® Card.
What credit card will approve you no matter what? ›
First Progress Platinum Elite Secured Mastercard: 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.
What stores do instant credit? ›
Best Instant Approval Department Store Credit Cards
- Kohl's Purchases: Kohl's Credit Card.
- Montgomery Ward Purchases: Montgomery Ward Credit Account.
- Target Purchases: Target Credit Card.
- Amazon Purchases: Amazon Store Card.
- Burlington Purchases: Burlington Credit Card.
- Best Buy Purchases: Best Buy® Store Card.
What is the best credit card to get if you don t have credit? ›
Compare Bankrate's top credit cards for no credit history
Card name | Best for | Annual fee |
---|
Capital One Quicksilver Secured Cash Rewards Credit Card | Starter rewards card | $0 |
Chime Credit Builder Secured Visa® Credit Card | Flexible deposit | None |
Self - Credit Builder Account with Secured Visa® Credit Card | Building credit with savings | $25 |
4 more rows
Which bank approves a credit card easily? ›
Comparing the easiest cards to get
Card Name | Annual fee | FICO score required |
---|
Bank of America® Unlimited Cash Rewards Secured credit card | $0 | No credit history |
Capital One Platinum Secured Credit Card | $0 | No credit history |
Indigo® Mastercard® | $0-$99 depending on creditworthiness | 300 to 670 |
Capital One Platinum Credit Card | $0 | 580 to 740 |
3 more rowsJun 28, 2024
What is the easiest unsecured card to get with bad credit? ›
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.
Do credit cards have instant approval? ›
Some credit card issuers let you use an instant approval credit card right away, while others require that you wait to receive the physical credit card. Once you activate your card, you can start using it and earning rewards.
Which credit cards give you an instant card number? ›
Here are a few other Amex cards that offer the ability for an instant card number: Delta SkyMiles® Blue American Express Card. The Platinum Card® from American Express. Amex EveryDay® Credit Card.
6 ways to build credit without a credit card
- Become an authorized user. Many credit card companies allow cardholders to add authorized users. ...
- Get a credit builder loan. ...
- Apply for a personal loan. ...
- Consider a car loan. ...
- Apply for a secured credit card. ...
- Repay an existing loan. ...
- Report rent and utility payments.
What if no one is approving me for a credit card? ›
Common reasons include a high debt-to-income ratio, a low credit score, insufficient monthly income, a limited credit history or delinquencies. Once you know why your application was denied, you'll know what to work on.
What is the easiest furniture store credit card to get? ›
The easiest furniture store credit card to get is the Fingerhut Credit Account because you can potentially have bad credit and still get approved for this card. While Fingerhut isn't only a furniture store, its online-only store has a furniture section, which includes bedroom sets, dining tables, couches, and more.
What store credit card is easiest to get with a 500 credit score? ›
The best store credit card you can get with a 500 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.
Can you get a store credit card with bad credit? ›
Consider a store credit card
Retail credit cards tend to be easier to qualify for, even if your credit isn't very good. That said, just because retailers offer credit cards for people with bad credit doesn't mean store credit cards are your best option.
What credit score is needed for a Walmart credit card? ›
You need a credit score of 640 or higher (fair credit or better) to get a Walmart credit card.