Finances

Easiest credit card to get in 2023: 5 best options

You can access a reward program, cash back and low interest rates even with a relatively low or poor credit score. Keep reading to learn how!

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Get a credit card even if you have bad credit

Online shopping and paying concept
Easiest credit card to get in 2023. Source: Adobe Stock

Applying for a new credit card is not always easy. Thus, it is impossible to avoid the question: “which is the easiest credit card to get?”.

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5 easiest credit cards to get approved for

In fact, we’ve evaluated every credit card available on the market today to provide you with the best answers. Thus, we did not find a single card.

In fact, we found cards that are ideal for different moments in life. After all, the best card for a student may not be the best card for someone rebuilding their credit.

So, regardless of your financial moment, you can find out which credit card is the easiest to get for your case. So, check out the list below.

Capital One Platinum Secured

Opening our list, here is an excellent option for those with a bad/fair credit score.

The Capital One Platinum Credit Card has a simple application process: you will know if you have been approved in minutes.

This card does not charge an annual fee. Additionally, you may be eligible for a limit increase after 6 months of responsible credit use.

Furthermore, it is a great tool for building or rebuilding credit.

It is a secured card. In the table below, you can see a summary of the basic characteristics of this card.

Credit ScoreBad/Fair (300-669);
Annual Fee$0;
Regular APR29.74% (variable);
Welcome bonusNone;
RewardsNone.

Access a full review of this credit product in the pots below.

Capital One Platinum Secured credit card

Capital One Platinum Secured credit card full review

Meet the Capital One Platinum Secured credit card, one of the best tools on the market when you need to build credit with special advantages. Read and find out about its perks!

Discover it® Secured

Young african american woman smiling happy holding smartphone and credit card at the city
Get a credit card even if you have bad credit. Source: Adobe Stock

Contrary to what many people think, it is possible to find secured cards with a cashback program.

Proof of this is Discover it® Secured. This card offers cashback of up to 2% on all your purchases.

During the application process, your credit score will not be considered. So bad scores won’t be a problem.

In addition to reporting your payment to the credit bureau, this card lets you track your credit score for free.

Below, see a table with the main information about this letter.

Credit ScorePoor (300-629);
Annual Fee$0;
Regular APR27.24% (variable);
Welcome bonusBalance transfer APR 10.99% for 6 months after first transfer (for transfers made before September 10, 2022);
Rewards2% cash back on gasoline and restaurants up to $1,000 per quarter; 1% unlimited on other purchases; double the amount of rewards earned in the first year (Cashback Match).

Start building your credit while earning rewards. Learn how to request your Discover it® Secured in the following post.

Discover it® Secured credit card

Discover it® Secured credit card full review

Discover it® Secured card is unanimous among credit building cards: one of the few that offers 2% cash back. Learn more about its benefits!

Discover it® Student Chrome

In fact, if you find similarities between Discover it® Secured and Discover it® Student Chrome, it’s not just a coincidence.

In fact, Discover it® Student Chrome is a version of Discover it® Secured for students.

Thus, it has the same advantages, such as cashback of up to 2% and free credit score consultation.

The difference is that Discover it® Student Chrome is only available to young people of student age (between 18 and 21 years old).

During the application process, your credit score will not be queried. Learn more about this card below.

Credit ScoreAny score;
Annual Fee$0;
Regular APR0% in the first 6 months. From 17.24% to 26.24% in the following months (variable);
Welcome bonusBalance transfer APR 10.99% for 6 months after first transfer (for transfers made before September 10, 2022);
Rewards2% cash back on gasoline and restaurants up to $1,000 per quarter; 1% unlimited on other purchases; double the amount of rewards earned in the first year (Cashback Match).

First Progress Platinum Elite Mastercard® Secured

Happy lady with bun in a jeans jacket shows a black bank credit
Discover a credit card option for you! Source: Adobe Stock

This is another great card for anyone building their credit. The First Progress Platinum Elite already drew attention for its interest rate below the average of similar cards.

So recently this product has been updated. It now offers a consistent refund program. You can even check your score for free.

As this is a secure card, you must make an initial deposit of $200.

There is no query about credit score or credit history. Find out more about this card in the table below:

Credit ScoreAny score;
Annual Fee$29;
Regular APR16.74% + Prime Rate (variable);
Welcome bonusNone;
Rewards1% cashback on the value of all your purchases made and paid on time with this card.

To learn more about this card, see a full review in the post below.

First Progress Platinum Prestige Mastercard® Secured credit card

First Progress Platinum Prestige Mastercard® Secured credit card full review

Need help building or rebuilding your credit? Count on the First Progress Platinum Prestige Mastercard® Secured credit card, a card that offers an APR far below the market average!

Surge Mastercard®

In fact, this is a very interesting option for those with a bad credit score. The main advantage of the Surge Mastercard® is an above-average initial credit limit.

Initially, you can count on a credit of $1,000. If I make payments on time during the first six months, your limit will automatically double.

In addition to being accepted across the planet, it is a great tool for building credit and developing good financial habits.

The table below shows the main characteristics of this credit product.

Credit ScoreAny score;
Annual FeeFrom $75 to $125 in the first year. Then, from $99 to $125
*After the first year, you will pay monthly maintenance fees of $0 to $10;
Regular APR29.99% (variable);
Welcome bonusNone;
RewardsNone.

To ensure Surge is a good fit for you, check out the full review below.

Surge Secured Mastercard®

Surge® Platinum Mastercard® full review

One of the few options for building/rebuilding credit that offers up to a $1,000 limit with no initial deposit required. Meet the Surge® Platinum Mastercard®!

Bottom Line

Thus, we conclude our list of the 5 easiest credit cards to get in 2023. We hope that you will consult and compare each of the options presented in this list.

However, if you want access to more options, see the following post. In this one, we separate the best cards for those with bad credit and who want to bounce back.

Bad credit placard in hand with crumpled paper pile

Credit cards for bad credit: compare the best options

If you have a bad credit score, don't worry. We've compiled a list of the best credit cards for people in your situation.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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