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Easy-approval credit cards for all credit scores

February 3, 2025

Credit cards can be hard to qualify for with poor credit. It can appear at first glance as though everything is out of reach. That’s not true. There are easy-approval cards where all scores are welcome. These cards let you rebuild your credit or establish it for the first time. A handful even offer rewards. What could be better?

We’ll guide you through how to get a credit card, what to consider, and how to use it to improve your score. Whether starting from scratch or trying to recover from past mistakes, you can gain access to credit.

What are the easiest credit cards to get?

When your credit isn’t top-notch, you’ll want to apply for an easy approval card. Luckily, you have options. Credit card companies know that everyone has to start somewhere, so they have designed cards especially with you in mind.

Credit-builder cards

Credit-builder cards are unsecured credit cards designed specifically for consumers with bad credit or a limited credit history. They are easier to be approved for but have higher interest rates, additional fees, and low limits. 

Use your card for making small purchases. Maintain a low usage. Pay your bill on time and in full every month. As you responsibly use your card, your score should improve. Again, it’s essential that the issuer reports your account activity to all three major credit bureaus.

Store credit cards

Store cards tend to have lenient requirements. They are offered by retailers for use only at that store or group of stores. While they may have higher interest rates and lower limits, they often provide special discounts, rewards, or cash-back on purchases made at the associated retailer. If you shop at that merchant often, store cards can be a great way to build credit and enjoy perks. Use your card responsibly and be sure to pay on time.

Secured credit cards

Secured credit cards are the easiest to qualify for. Unlike regular cards, they require a refundable security deposit. The deposit acts as collateral to the lender and sets your spending limit. Most credit card issuers require a minimum deposit of $200 but a few have more flexible requirements.

Secured cards are a good first step. Choose an issuer who reports to all three major credit bureaus – Experian, Equifax, and TransUnion. Then pay your bills on time and don’t spend too much of your limit. Over time, your score will go up and you’ll be eligible for unsecured credit cards.

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Student credit cards

Student cards are aimed at helping students build their credit history. They come with lower limits and fewer fees than other cards. Many require proof of student status, but some do not. As with the other options, the key is to make payments on time and keep usage low.

How to get approved for a credit card with bad credit

Applying for a credit card doesn’t have to be a big deal. Consider the type of card you want and follow these steps to increase your chances of approval.

Check your credit score & reports

The first step is finding out your credit score. When you know your score, you know what cards you’re eligible for. There’s no point in applying for a card whose minimum score requirements you don’t meet.

It’s good practice to also check your credit report. You can get your report from all the major credit bureaus once a year for free via annualcreditreport.com. Look for any errors like incorrect account information or wrong personal data. Dispute any mistakes right away with the issuing bureau. Getting inaccurate negative marks off your report can immediately boost your score.

Choose a type of card

Decide what type of card you want. Do you have the money for a cash deposit and want to pay fewer fees? Then, get a secured card. These are a great way to get stared. Some issues let you graduate to an unsecured credit card once your score has improved.

Is your heart set on an unsecured credit card? Look into cards designed for consumers with bad credit. Some cards even offer rewards or increase your credit limit after a certain number of on-time payments.

Perhaps there is a store you shop at frequently? A store card can give discounts and special offers on products you already buy. They may even provide better value than a general rewards card.

Or maybe you’re a student? In this case, a student credit card is a no-brainer. 

Find a card in your credit range

Now that you know the type of card you want, look for one you qualify for. Your credit score is obviously very important. Most issuers disclose the general score range they accept. Narrow down your options to cards you qualify for.

One tip is to consider credit cards issued by your bank. Having a good relationship with your bank can boost your chances of approval. Even if your score is lacking, the bank knows you are responsible and is more likely to give you a chance.

Compare your options

You know the type of card you want. You know what cards you qualify for. It’s time to compare your options so that you apply for the best one possible. Consider the card’s fees, interest rate, and benefits. Find the card that costs the least and gives you the most. 

Get pre-approved

Many financial companies offer pre-approval. You fill out a form, and the issuer will do a soft inquiry – no effect on your score. Being preapproved does not guarantee you’ll get the card. It’s still a smart move since it shows your approval odds and saves you from unnecessary hard inquiries that can lower your score.

Apply

When you’re ready, formally apply for your chosen card. Ensure you’ve gathered all necessary information, including proof of income, how much you pay for rent or mortgage, and your Social Security number. Submit your application online or via mail. At this point in the application process, the issuer will do a hard credit check, which can cause a temporary dip in your credit. Once approved, you’ll receive your card in the mail.

How to compare credit cards

There are plenty of easy-approval cards on the market. But not all are created equal. Once you’ve selected your top cards, or better yet, are preapproved, compare them to find the one with the best value for you.

1. Consider the costs

First, look at the potential costs. Fees can add up quickly if you are not careful. Here are common costs to consider:

– Annual fee: Yearly fee for using the card.

– Interest rate (APR): The interest you are charged when you carry a balance.

– Penalty APR: Higher interest rate applied when you miss a payment.

– Late payment fee: Charged if you do not make the minimum payment by the due date.

– Returned payment fee: Charged if your payment does not go through.

– Cash advance fee: The fee credit card companies charge for withdrawing cash using your card.

– Foreign transaction fee: An extra for using the card overseas.

Look for a card that has low fees. Plenty of providers do not charge annual fees or foreign transaction fees. The rest of the fees are avoidable. If you plan on carrying a balance, getting a card with a low APR (annual percentage rate) is essential. 

If you want a secured card, you’ll need to consider the security deposit requirement. Find an issuer with a low affordable deposit requirement. Don’t assume that’s all you’ll have to pay. Many secured cards come with fees and high APRs. 

Review benefits and perks

Next, consider the potential benefits or perks. Some cards provide cash-back on everyday purchases or travel rewards. If you’re considering a rewards card, make sure you will earn more in rewards than you’ll pay in fees. Otherwise, it’s not worth it.

Besides rewards, your issuer may offer other perks. They may offer automatic credit limit increases after six months of on-time payments. Or you may be offered an upgrade after you improve your credit score.

Many providers make it easy to pay your bills on time. You can set up autopay or bill reminders to never miss a due date. Do not underestimate how much these tools can help you.

If you’re considering a store card, ask its perks. What exclusive discounts or rewards do you get? Can you use the card at sister franchises? A card that saves you money and can be used at multiple locations goes a long way.

Read reviews

Make sure to also read customer reviews. Reliable customer support can be valuable if you face unauthorized charges or other issues.

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Fees & Rates of Сards for bad Сredit

Annual Fee N/A
Intro APR N/A
Regular APR 10%
Credit Score Range 300-579
Monthly Fee $0

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Make the most of your credit card

Credit cards can be a powerful tool if used wisely. Managing them well can help you fix your score and improve your financial health. Here’s what you need to do.

Pay bills on time

Always pay your bills on time and your credit card balance in full. No exceptions. Making monthly payments on time shows lenders that you are reliable. Late payments can lead to hefty fees and a drop in your score. So, set reminders or automate payments to avoid this pitfall.

Lower your utilization ratio

Your credit utilization ratio is how much you’ve spent compared to your total limit. Aim to use less than 30% of your limit—10% is even better—but keep your usage above zero.

For example, if your credit limit is $1,000, do not exceed $300. A lower ratio shows that you are not overly reliant on borrowing. If your limit is very low, you can pay your bill multiple times a month to keep your usage down.

Limit credit applications

Each time you apply for a credit card or loan, the lender conducts a hard credit check. It will temporarily drop your score by 5 to 10 points. One hard inquiry isn’t a big deal; your score will soon bounce back. Multiple applications in a short period will have a negative effect on your score. It suggests to creditors that you might be in financial trouble.

Be selective and apply only when necessary. If your application is turned down, wait at least six months before applying again.

Watch your credit score

Keeping an eye on your credit reports and score helps you stay informed about your financial health. If you see your score go up, you know you’re doing great. If your score starts to drop, you can figure out what’s going wrong before too much damage is done. Being aware of your score keeps you a step ahead.

Frequently asked questions

1. What’s considered a bad credit score?

A bad credit score is one that falls below 580 on the FICO scale or below 600 on VantageScore. Lenders see these scores as high-risk, making it harder to qualify for unsecured cards. For a credit score to be considered good, it must be above 670 on the FICO scale or over 661 on VantageScore.

2. How long does it take to get approved for a credit card?

Credit approval time varies. Some instant-approval cards provide decisions within minutes, while others take a few days to weeks if further review is needed. Secured cards and credit-builder cards usually have a faster approval process.

3. Does being pre-approved guarantee I’ll get the credit card?

No, pre-approval does not guarantee you’ll get the card. It means you meet the initial criteria. The issuer will still do a hard credit check and review your income and financial history before making a final decision.

4. How can I become an authorized user on a credit card?

To become an authorized user, ask a primary cardholder with good credit (a family member or friend) to add you to their account. The issuer will issue a card in your name. Their positive payment history and low utilization will benefit your credit score.

Bottom line

When you have bad credit, it might feel like there’s no way to get a card. Fortunately, there are credit cards designed for consumers with poor credit scores. These cards can be either secured or unsecured. They can be for limited use at certain stores or used everywhere. The point is, there are cards where all credit profiles are welcome. 

Once you get your card, use it responsibly to build up your score. Make timely monthly payments. Don’t carry a balance. Pay down your debt. Little by little, your score will increase. As it goes up, so will your credit card perks.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.         Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.           Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
2. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.                                                                                                                                                       Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
3. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
4. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
5. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.
7. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.
8. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
9. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.
10. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
11. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
12. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
13. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
14. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
15. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
16. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
17. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
18. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
19. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
20. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
22. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
23. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
24. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
25. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
26. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
27. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
28. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
29. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
30. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
31. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
32. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
33. Tipping or not tipping has no impact on your eligibility for SpotMe®.
34. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
35. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
36. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
37. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
38. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
39. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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