Originally posted on https://bonsaifinance.com/easy-credit-cards-to-get-best-options-for-2019/
Credit cards are some of the most convenient tools available to consumers. You can use them to pay for goods and services almost anywhere, which means no need to carry cash with you. They also report appropriate information to the three major credit bureaus, which can help raise your credit score or establish a history. However, it’s not so easy to get approved for a new card, especially if you have a bad score or a significant history of issues. Even secured cards, which are usually easy credit cards to get, are going to have approval requirements that you have to meet. This can make it hard for someone with a recent bankruptcy or open tax lien to qualify.
Some cards are easier to get approved for than other credit cards. Many times, these creditors won’t require a credit check and focus on your monthly income. Others don’t require a credit score. However, it’s still hard to know which one is the best for you and your needs.
Therefore, the list below can help. It lists a variety of cards that are easy for people to qualify for, regardless of past mistakes or their current scores.
Easy Credit Cards to Get: Options for All
Are you looking for something that doesn’t have an annual fee and allows you to buy popular goods? If so, a Fingerhut credit card might be right for you. It is nice for people who like to shop, but it doesn’t allow you to use it anywhere but the Fingerhut catalog.
This card is ideally suited for people who have bad credit, and it is considered an unsecured credit card. As such, you won’t incur any fees, including one-time or annual costs.
Of course, as mentioned earlier, you can only use it for purchases from that company, but you don’t need to buy anything to build your credit. If you’re looking for easy credit cards to get, this is an open-and-forget card that can significantly help you.
No Credit Score/Credit Check
People without a credit history might have trouble getting credit. If you don’t have a credit score or have a very low one, the Green Dot primor Visa might be right for you. Just keep in mind that it is a secured card with an annual fee of $39. However, it does come with a high approval rate, so if you need something right now, it might be beneficial to help you rebuild your credit and get the extra funds you need.
If you know that your credit is bad, you probably don’t want creditors looking at your credit report. They’ll likely turn you away, so you want to avoid it. As such, the OpenSky Visa credit card might be ideal for you. It’s a secured card, which means you put down a deposit, and that is likely to be your credit amount. All you have to do is verify your identity and have a US mailing address, and you’re halfway to being approved. Just remember that it does have an annual fee of $35, which is a small price to pay to get credit.
Most people with damaged credit have resigned themselves to never getting any perks or rewards for having their credit card. However, Credit One Bank Platinum Visa offers up to one percent cash-back for eligible purchases. It can have an annual fee of up to $99, but if you regularly use it, you’ll earn back some of that money you spend.
If you’re interested in the best credit cards to get, these options might help. You can work to rebuild your credit, shop online, and enjoy a little extra spending money whenever the mood strikes.