10 Easiest Credit Cards to Get in November 2024

The Discover it^® Secured Credit Card is our pick for the easiest credit card to get because it is designed for people with limited / poor credit scores. It comes with a $0 annual fee, great cash back rewards and a sign-up bonus for new cardmembers. Plus, you can find out if you’re preapproved without affecting your credit score. It’s consistently one of our top credit card choices for building credit.

Secured cards like the Discover it^® Secured Credit Card require a security deposit equal to the amount of your credit line (what you can charge to the card at one time). If you don’t pay off what you charge, Discover will use the deposit to recoup that loss. But if you consistently make on-time payments, Discover may upgrade you to an unsecured card. They’ll also start conducting regular reviews of your account after seven months to see if you’re eligible to upgrade and get your deposit back.

The AvantCard Credit Card is one of the easiest unsecured credit cards to get with bad credit because you can quickly prequalify online with no impact to your credit score.

It’s also easy to get because you won’t have to put up a lot of cash upfront. As an unsecured card, the AvantCard Credit Card doesn’t require a security deposit in order to open an account. Instead, you’ll pay an annual fee of up to $59, which is on the low end for unsecured credit cards for people with low credit scores. You’ll also pay a fee for late payments.

Look elsewhere if you won’t be able to pay off your card in full every month. The AvantCard Credit Card has a high APR, so while it may be relatively easy to get, it’ll be hard to pay off if you have to carry a balance.

The Secured Chime Credit Builder Visa^® Credit Card is one of the easiest credit cards to get because it doesn’t require a credit check. Plus, it has other fantastic features for someone trying to build or rebuild their credit. It doesn’t have an annual fee or foreign transaction fees. You can deposit any amount into your Credit Builder account to fund your credit line**, making it much more affordable than most secured credit cards. And since you have to pay off your account each month, you don’t have to worry about accumulating debt or interest***. On the downside, you’ll need an account with Chime to get started, and you’ll need to add funds to your account on a regular basis to replenish your credit limit.

The $0-annual fee Business Advantage Unlimited Cash Rewards Secured credit card lets you earn unlimited 1.5% cash back on all purchases, with no annual cap on how much you can earn (a rarity for a business credit card). One drawback is that you must submit a minimum of $1,000 security deposit as your line of credit. It’s a higher amount than many personal secured credit cards require. Still, this more significant amount can be useful for keeping your credit utilization rate low, which is an essential factor in increasing your credit score.

Bank of America periodically reviews your account to determine if you qualify for an unsecured credit card. They also offer Balance Connect® overdraft protection, which connects your credit card account to your Bank of America business checking account to prevent declined purchases.

The Upgrade Cash Rewards Visa^® is an unsecured credit card that functions differently than your average credit card. It accepts applicants with fair credit and offers credit lines between $500 and $25,000. Cardholders can earn 1.5% unlimited cash back on card purchases every time you make a payment.

With the Upgrade Cash Rewards Visa^® your purchases are combined into an installment loan with fixed rates and terms at the end of each month. Then, you make your monthly payment for the duration of the loan. This allows you to save more money than if you only made the minimum monthly payment. While this does add a different type of credit to your credit report (which can be beneficial), you should note that interest begins accruing from the date of purchase. That means that even if you pay your statement balance in full, you will pay some interest.

With few fees, the Navy Federal Platinum Credit Card is a solid choice if you have a military connection (either yourself or a family member is active duty, retired or a veteran member of one branches of the military) and can join Navy Federal Credit Union. In addition to a $0 annual fee, there’s a $0 balance transfer fee, which is helpful if you are looking for a balance transfer credit card with no fee.

The card does not have a rewards program, which makes it less valuable than other cards, like the Discover it^® Secured Credit Card, long term. However, if you use the Navy Federal Platinum Credit Card to do a balance transfer, rewards are less important as you focus on paying off your credit card debt.

The Petal^® 2 Cash Back, No Fees Visa^® Credit Card is a cash back credit card that doesn’t require applicants to have a credit history to apply and be approved. Your eligibility is determined by your “Cash Score” using data from your bank accounts, including your income and bills. This is ideal if you have an excellent track record of managing the money in your checking and savings, but little to no experience with credit cards.

Cardholders can earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants. While it helps you build your credit, it offers little value long-term. There’s no sign-up bonus or intro APR rates for purchases or balance transfers.

The Discover it^® Student Cash Back offers fantastic rewards for a credit card that’s easy to get. It’s open to students, and there’s no credit score required to apply. You’ll earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.

Also, new cardmembers will get an unlimited cash back match of their rewards in the first year. That means you can get twice as much cash back in categories like restaurants and gas stations in year 1. That could go a long way toward funding your books for the next semester.

The Target Circle™ Card is our pick for the easiest store card to get. It has a $0 annual fee and several perks, including free shipping and 5% off every day at Target and Target.com. Earn 2% on dining and gas purchases and 1% everywhere else outside of Target. It’s easy to get the ongoing discount because it’s instantly applied at checkout. The Target Circle™ Card is best for Target shoppers, since you can’t use it outside of Target and Target.com.

Store cards are generally much easier to qualify for than other credit cards, as they tend to have lower credit limits and higher APRs. These high interest rates make this card a poor choice for anyone who needs to carry a balance.

If you do the bulk of your online shopping at Amazon and are already a Prime member, getting the Amazon Prime Store Card makes good sense. Prime cardholders can earn 5% back at Amazon.com. This is a generous rate, especially for a store card. There’s no annual fee, but you’ll need to pay for an Amazon Prime membership in order to earn cash back.

To justify the Prime membership cost based on what you earn with the card, you’d need to spend at least $2,780 per year (or $1,380 for the annual student membership) on purchases earning 5% cash back.