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Credit cards can either be a great deal and convenience for you. Or they could be a horrible burden. That is of course depending on how you handle and manage your credit cards.
You can use your credit card to pay for all sorts of things. This ranges from purchasing stuff from the store or online to paying your monthly bills. You can even pay your taxes with your credit card!
Using credit cards can also be great in building and establishing a good credit score. So long as you use them the right way.
But if you don’t have good credit, it can be hard to get a credit card. However, there are some cards that are made for those who don’t have great credit. Some even don’t require a credit check at all.
Here are some of the easiest credit cards to get right now.
Keep in mind that the requirements for credit card approval differ for every issuer. So it can be difficult to know which one is the easiest to acquire.
However, we will tell you which credit card is the easiest to obtain based on certain factors. For example, if you have little-to-no credit history at all, we have three recommendations for you.
OpenSky Secured Visa – This credit card is a secured credit card that is also a no credit check card. They allow you to set your credit limit if you make a cash deposit between $200 to $3,000. Your account will also be likely reported to all of the three major credit bureaus.
First Progress Platinum Elite Secured Mastercard – A credit history and a minimum credit score is not required to get one of these credit cards. The security deposit is also refundable and their card is accepted throughout the nation.
Deserve EDU Mastercard for Students – This credit card is good for international students. That is because a Social Security number is not required to submit an application.
Capital One Platinum Mastercard – This credit card is good for people with a fair credit score who wish to improve it. It also has a $0 yearly fee.
Discover it Secured Card – This credit card helps in building and rebuilding credit. A security deposit is required but it is refundable. Cash back rewards program is also featured.
First PREMIER® Bank Mastercard® Credit Card – This credit card is great for people who were denied by other credit card issuers. Approval only takes 60 seconds and you can manage your credit limit and payment.
Surge Mastercard® – The Surge Mastercard credit card accepts all credit types in their application. And the $1,000 credit limit doubles up to $2,000. Your account will also be likely reported to all of the three major credit bureaus. Their card is accepted throughout the nation.
Secured Sable ONE Credit Card – Great for building your credit and a bonus of $25 once you reach 700+ credit score within 12 months of use. You also have a 2 percent cash back on certain purchases as well as 1 percent cash back on all purchases.
First PREMIER® Bank Secured Credit Card – Allows you to build up your credit limit to up to $5,000 if you fund your Security Deposit to open your account. Application is also not that difficult as a perfect record is not required.