5 Easy Approval Credit Cards that will improve your credit history

5 Easy approval credit cards

Easy approval credit cards

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Easy approval credit cards are a great option when you need to improve credit history.

One of the best actions to overcome a bad credit history is to show how well you currently manage debt with easy approval credit cards.

A very popular way to rebuild or re-establish credit is with a secured credit card.

But you have more options other than to rely on a secured credit card. Save your money while rebuilding credit with unsecured easy approval credit cards that do not require a security deposit.

You can get a second chance credit card with no security deposit required or try one of the easy approval credit accounts listed below.

How easy approval credit cards work

Easy approval credit cards typically grant cardholders a credit line without requiring a security deposit. Good management of credit cards for bad credit can help you establish a positive payment history which will help improve credit scores over time.

People with a poor credit history need an opportunity to prove they can manage credit as well as debt. An unsecured credit card to rebuild credit is a good option.

If you’ve had credit problems in the past a easy approval credit cards can help you get back on track. Start off slow and use credit cards wisely for items like gas or groceries and pay it off monthly — watch your credit score rise.

5 Easy Approval Credit Cards 

First Digital Mastercard®

Card Details

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC.

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X1 Visa Credit Card

Card Details

  • X1 Credit Card is a no credit check visa that offers consumers the chance to get a credit limit based on their income, not their credit score.
  • Credit limits are based on current and future income.
  • Cardholders will earn a flat 2 points per dollar on every purchase.
  • Cardholders that spend more than $15,000 in a year will earn 3 points for every dollar you spend during the year.
  • Credit limits will automatically increase over time.
  • To manually increase your credit limit you can link your bank account and provide pay stubs.
  • No late fees.

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Self Visa® Credit Card

Card Details

  • Open a Self account and pay the $9 administrative fee. Self’s bank partner will lend you funds to put into a certificate of deposit (CD), and you can’t access the money until the CD matures.
  • Make your next three monthly payments on time.
  • If you’ve accumulated at least $100 in savings and your account is in good standing, you’re eligible to open the Self Visa® Credit Card.
  • Use your savings progress to secure your Self Visa® Credit Card.
  • $300 credit limit (subject to available credit).
  • When you pay off your credit-builder loan, you’ll receive your principal back minus fees and interest.
  • You don’t need a credit score.
  • No hard inquiry.
  • Fund your secured-card deposit with your credit-builder loan.
  • APR: 23.99% ⏤ This APR will vary with the market based on the Prime Rate”.

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Upgrade Card

Card Details

  • Combine the flexibility of a card with the low cost and predictability of a loan.
  • Monthly reporting to the three major credit bureaus.
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees.
  • Mobile app to access your account anytime, anywhere.
  • See if you qualify in minutes without hurting your credit score.
  • Use your card at locations everywhere Visa® is accepted.
  • Enjoy peace of mind with $0 Fraud liability.

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Net First Platinum

Card Details

  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check.
  • Reports to Major Bureau.
  • Bad Credit, No Credit – OK.
  • Always 0.0% APR.
  • Fast Online Applications.

*See Card for Details
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How to improve credit history with easy approval credit cards

Using a credit card responsibly is one of the fastest ways to build credit. Follow these tips:

  • Use your new credit account. Demonstrate good credit management by using your credit card regularly and pay your bill before your due date.
  • Don’t overuse the card. Keep the amount owed on your credit card below 30% at all times. On a card with a $300 credit limit, for example, that means you should keep your balance under $90. Low utilization is one of the best ways to improve credit scores.
  • Pay on time and in full. If possible, pay your entire balance in full every month. If you can’t pay in full, pay at least the minimum amount due by your due date.
  • Track your progress. Check your credit score and credit report regularly to stay on top of your status. That way you will know if anything changes. You can get access to your credit score and credit reports at myFICO.
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The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The credit card offers that appear on this site are from credit card companies from which this site may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available card offers.

 

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