If you have bad or no credit, it may be challenging to find a credit card that will be approved for you. Most of the time, a secured card is the best option for instant approval, but there are a few non-secured options that offer a rather easy approval process.

Building your credit is difficult. Thus, we thought we would pull together a few of the best easy approval cards in the United States.

The options below range from secured to traditional cards. We hope there is something for you on our list.

Easy–to–Approve US Credit Cards

We scoured the online world to choose five of the best easy approval cards. There are cards from well-known credit institutions, as well as secured cards that offer great benefits and rates. Here are the ones we found.

First Progress Platinum Elite Secured MasterCard

This credit card is perfect for those with no credit, bad credit, or limited credit. It is a secured card that guarantees approval.

The online application is easy and fast to fill out. Despite being a secured card, you get all the benefits of a platinum MasterCard.

It comes with a regular APR of 19.99%, $29 annual fee, a minimum payment equal or greater to $40 or 5% of the balance, plus any past due amount or balance in excess of your credit limit, a minimum interest charge of $1.50, late payment fee of up to $28

Use the card and repay the bill on time, and you will be building your credit. Each billing cycle and prompt payment is reported to the three big credit bureaus.

Bank Contact Info

Address: First Progress Card, P.O. Box 9053, Johnson City, TN 37615-9053

Telephone: 1-888-403-4783

OpenSky Secured Visa

Another secured card that requires no credit checks, the OpenSky Secured Visa is a great option for easy approval.

This card even allows you to choose your own limit. The company reports payments to the main credit bureaus.

You can deposit from $200-$3,000 on the card. The card uses a 17.39% variable APR, minimum interest charge of $1, annual fee of $35, cash advance fee of $6 or 5% (whichever is greater), 3% foreign transaction fee, $25 returned payment fee, up to $38 late payment fee, and more.

Bank Contact Info

Address: OpenSky Card Services, P.O. Box 9224, Old Bethpage, NY 11804-9224

Telephone: 1-800-859-6412

Capital One VentureOne Rewards Card

If you have a 670+ credit score, the Capital One VentureOne Rewards Card is a good and easy approval option. This card offers a lot of great travel perks, like earning miles and a 20,000-mile signup bonus.

The card starts with a 0% APR for the first year and then will bounce up to between 15.49% and 25.49% following the introductory period.

There is no annual fee, interest between 15.49% and 25.49% for transfers, interest of 25.49% for cash advances, $10 or 3% fee on cash advances, 3% transfer fee, up to $39 late payment fee, and more. And, as we said, you get to earn 1.25x miles with every purchase.

Bank Contact Info

Address: Capital One, ATTN: General Correspondence, P.O. Box 30285, Salt Lake City, UT 84130-0285

Telephone: 1-800-695-5500

Credit One Bank Platinum Visa

If you have fair credit, then the approval process for the Credit One Bank Platinum Visa is quite easy. This card comes with 1% cashback, $0 fraud liability, and a competitive APR.

Your APR depends on your credit and income, and it can range from 17.99%-23.99%. There is also an annual fee of anywhere from $0-$99 ($0-$95 in first year), a cash advance interest of 23.99%, cash advance fee between $5-$10 per transaction, $1 or 3% foreign transaction fee, up to $39 late payment fee, and up to $39 returned payment fee.

The card is designed to allow you to set up your payment schedule so that you can ensure that your payments will be on time. Plus, you can check your credit score from Experian for free online.

Bank Contact Info

Address: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873

Telephone: 1-800-752-5493

Surge MasterCard

This card is open to anyone with any type of credit. The application process is easy and fast, and you should have the final decision within minutes of submitting your application.

The card has a higher APR than the other options on the list. It starts anywhere from 25.90% to 29.99%. As for an annual fee, that is dependent on the terms of the finalized agreement. Online info is limited, so you should contact a representative to learn more about fees and rates associated with the card.

Bank Contact Info

Address: Surge Card, P.O. Box 3220, Buffalo, NY 14240-3220

Telephone: 1-866-449-4514


Whether you are struggling with bad credit or no credit, you can use the right credit card to rebuild your financial health. To do that, you will want to find an easy approval credit card. There are plenty of great options, but the five cards we discussed above are the ones we think are the best options.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.