Does your credit have a few blemishes on it? Do you suffer from late pays and a couple charge off accounts? Don’t worry as you are not alone.
There are many people who have challenged credit because they made some mistakes along the way. Thankfully, you can still get a credit card and have a chance to rebuild your credit. Whether your credit is good, bad, or just downright disparaging, you can still get a credit card. Here are some of the easiest credit cards to get approved for.
Credit One Bank® Cash Back Credit Card
Most people don’t know about Credit One, but they are an excellent company to work with. All eligible purchases made with this card earn the user one percent back. You get to choose your payment date too, which makes it easier to ensure it works around your paycheck schedule. They will email or text when the payment is due, and they also will periodically check your account for credit line increases. To help improve your credit, they monitor your score and send you the monthly report for free. Their zero fraud liability ensures you don’t pay for unauthorized purchases, ever!
First Premier Bank
Now, if you need to rebuild your credit quickly, First Premier Bank can help you do so. They have an annual fee and a processing fee that is charged to the account as soon as it is opened. However, they do report to all three credit bureaus, and they offer easy approvals. Though the credit line may begin at around $300, don’t worry. They like to give increases to those who pay their bills on-time. While the perks and the interest rate is not the best, it is a card to consider when your credit is lackluster.
Credit One Bank® Platinum Visa®
This is one of the few unsecured cards that will not ask for a deposit to open an account. You can get approved in as little as sixty seconds online. The interest rate is around 24.9 percent, which is about average for fair to poor credit scores. You can watch your credit report for free with their convenient credit monitoring services. You can also choose your monthly due date to make things easier.
Horizon Gold Card
If you have an active debit card, you will be approved. They offer an instant $500 credit limit and they do no credit checks. They will take people who have fair, bad or even good credit. The interest rate is typical and there is no annual fee. You start out with $500 and can get reviewed for increases. The annual fee is $360. Thankfully, that can be paid each month for $30, charged to the debit card of your choice.
OpenSky® Secured Visa® Credit Card
Choose your own credit line from $200 up to $3000. Just open a savings account and your deposit can be refunded when your credit improves. It is one of the few cards that can switch from a secured to a traditional card when you pay faithfully. There is no credit check involved and you can pay to be approved for the card within five minutes. They are one of the few cards that have an online education section to help those with challenged credit learn to rebuild.
Primor® Secured Visa Gold Card
As long as you have a monthly income of at least $100, you can be approved for this secured Visa. You can choose a credit line anywhere from $2,000 to $5,000. The card is backed by the savings account you open. Since they report to all three credit bureaus, it is easy to use this card to help rebuild your credit. Getting a credit card doesn’t have to be a major chore. With some research and perhaps a deposit, you can have a good card that will help you to rebuild and save some for a rainy day.