Easiest Credit Cards To Get Approved For in 2024

The lack of a 0% introductory period for purchases is a minor drawback while the ability to transfer rewards to several partners provides an additional benefit. Overall, this card is a minimum effort, maximum reward option for daily use and well worth considering.

• Earn $200 cash back after you spend $1,500 n purchases in the first 6 months of account pening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Ear 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only OfferL 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a abalance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

• Earn $200 cash back after you spend $2,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24$, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fees.
• Citi will only issue one Citi Custom Cash® Card account per person.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name offers unlimited 1.5% cash back on every purchase. With responsible use of the card, Capital One starts automatically reviewing your account in as little as six months for a possible credit limit increase. A higher credit limit can help your credit score by lowering your credit utilization ratio, which makes up 30% of your score. This card also includes unlimited access to your credit score for free through CreditWise.

While the card has a annual_fees annual fee, the cash-back rewards on everyday purchases can offset that cost and grow your bank balance. Plus, there are no foreign transaction fees, so you can use it outside the U.S. without incurring additional fees.

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Help strengthen your credit for the future with responsible card use
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

The Chase Freedom Rise card earns an unlimited 1.5% cash back so you can start building credit while earning rewards on purchases.

Students need to build credit as they prepare for their careers when they graduate. Using one of the best cards for students is a good way to build good financial habits. If you're worried about getting approved, having a Chase checking account with at least a $250 balance increases your approval chances.

Other than its unlimited cash back rewards, the card also offers a one-time $25 statement credit when you enroll in automatic payments. This is an excellent strategy to avoid late fees and missed payments because your payment history is 35% of your credit score. After you've had the card for at least six months, you may qualify for a credit limit increase based on your card usage and payments.

Card Benefits:

• Increase your approval chances: Maintaining a Chase checking or savings account with a balance of at least $250 can boost your chances of getting approved for Chase Freedom Rise®.
• Earn Cash Back: With Chase Freedom Rise℠, build your credit while earning 1.5% cash back on all purchases. Cash Back rewards never expire as long as your account is open, and there’s no minimum to redeem.
• Earn a $25 statement credit: Sign up for automatic payments within the first three months of opening your account to receive a $25 statement credit. Simply choose a date and amount to ensure your Credit Card gets paid on time.
• Credit Limit Increase: As a Chase cardmember, you’ll be evaluated for a credit line increase as soon as 6 months. Your credit line is the maximum amount you can spend on your Freedom Rise℠ Card.
• Free Credit Score: Track your credit score and learn how to improve it with Chase Credit Journey.
• No Annual Fee: Enjoy all the great features of your Freedom Rise℠ card without paying an annual fee.

Member FDIC

Chime does report your activity to the three major credit bureaus to help you build credit without charging annual fees or interest charges. To qualify, you must have a Chime checking account and direct deposits of at least $200. The bank does not check credit scores when you apply, so trying to open an account will not affect your score.

• In order to be eligible for this secured credit card, you must first open a Chime® Checking account and receive a qualifying direct deposit of $200 or more.
• No credit check to apply, no annual fees, and no minimum security deposit1
• Chime is a financial technology company, not a bank. The secured Chime Credit Builder Visa® Credit Card is issued 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 credit cards are accepted. Please see the back of your card for its issuing bank.
• 1Money 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.
• 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.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name is an excellent choice for people with bad credit because it has no annual fee and earns unlimited 1.5% cash back on every purchase.

When you have bad credit, many card issuers require a security deposit to open a credit card. To open your account, you'll start out with a minimum security deposit of $200. Initially, your credit limit equals the security deposit you provide. With responsible use of the card, Capital One conducts automatic credit line reviews to increase your limit and may convert you to an unsecured card and return your deposit.

• No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
• Put down a refundable $200 security deposit to get a $200 initial credit line
• Building your credit? Using a card like this responsibly could help
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

In addition to the 5% discount at Target, it earns 2% back on dining and gas purchases and 1% everywhere else.

Target is one of the easiest retailers to get a card from because it offers three versions—a credit card, a debit card, and a reloadable card. All three options offer valuable rewards and benefits, including 5% off purchases online and in-store, no annual fees, an extended return window, free two-day shipping and more. The Target RedCard Mastercard, its credit card, is the ideal choice for consumers because it can be used at any store.

If you're unable to qualify for the Target RedCard Mastercard (you need good to excellent credit), you can open a RedCard debit card or reloadable card instead.As noted, both offer the same benefits as the Mastercard, except for rewards on purchases outside of Target.

• Save $50 on a future qualifying purchase of $50 or more when approved for a Target Circle™ Credit or Debit Card.
• Get a $50 credit when you open a Target Circle™️ Reloadable account and spend $50 at Target.
• No annual fees.
• Free 2-day shipping on hundreds of thousands of items at Target.com.
• Target Circle™️ Card exclusives and offers.
• More return time - get an additional 30 days for returns and exchanges at Target.
• Pay for your Target purchases directly from your existing checking account (purchases generally take 1-3 days to process).
• Add cash for free at Target and spend anywhere Visa® debit cards are accepted.
• Earn 2% on dining and gas purchases and 1% everywhere else outside of Target: Target Mastercard exclusive.
• Cash withdrawal of up to $40 at checkout.
• Cash Advance Fees: Either $10 or 3% of the amount of each cash advance, whichever is greater.
• Late payment fees: Up to $41.
• Returned payment fees: Up to $30.

It earns up to 7x points on your spending, which can be redeemed for cash back, statement credits, and more. You'll earn 7x on rideshares, 4x on Brex Travel, 3x on dining, 2x on recurring software, and 1x on everything else.

The Brex Card is an ideal business credit card for entrepreneurs, startups, mid-size companies and enterprise-level businesses. Instead of relying on your personal credit score for approval, Brex sets credit limits that are 10x to 20x higher based on your business finances, such as revenue or dollars raised from investors. Unlike most small business credit cards, Brex does not require a personal guarantee. Plus, the card offers unparalleled features that track spending on travel, procurement, and more with automated compliance, custom limits and controls, and real-time expense tracking.

• Worldwide card acceptance.
• 5-star app on iOS and Android.
• Earn up to 7x back, redeem for cash back, credits, or even billboards.
• Get a card limit appropriate to your business based on financial factors such as revenue or dollars raised.
• Call or chat live 24/7 from anywhere, with notifications by Slack, text, email, WhatsApp — whatever you prefer.
• Chip and PIN, fraud protection, and more on World Elite Mastercard.
• Enable travel expenses and ensure policy compliance with automated controls, receipts, and memos.
• Designate spend limits for specific vendor expenses, and set to recur or expire, to avoid being overcharged.
• Instantly issue purchase cards with per-transaction AP controls and PO-like approval flows.
• Set up recurring or one-time employee stipend cards with embedded policies — and only pay for what's used.
• Provision spend limits for any need, and your policy will be auto-applied with every Brex card swipe.
• Balance transfer fee: N/A
• Cash advance fee: N/A
• Foreign transaction fee: N/A