8 easiest credit cards to get approved for in July 2025

If you’re in the market for a new credit card and struggling to get approved, you’ve come to the right place.

Below, CNBC Select rounded up the easiest credit cards to get — whether you want no annual fee, low interest, cash back or more. See our methodology for more information on how we choose the best easy-to-get credit cards.

Who’s this for? The Firstcard® Secured Credit Builder Card is a secured credit card that earns rewards, charges no interest and allows you to earn interest on your deposits.

Standout benefits: The Firstcard has three subscription tiers, and you can earn up to 1% cash back on every purchase and up to 4% APY on your deposits.

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Who’s this for? The Petal® 2 “Cash Back, No Fees” Visa® Credit Card is open to applicants with no credit history, including those without a Social Security number. Instead of requiring a credit score, your banking activity and other financial data can determine your eligibility for the card.

Standout benefits: You can boost your cash back by making on-time payments. You’ll start earning 1% cash back and can earn up to 1.5% back after making 12 on-time monthly payments.

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The Capital One Platinum Credit Card has no foreign transaction fees and grants users free access to Capital One’s credit monitoring service CreditWise. You can also save 50% on handcrafted beverages at Capital One Cafés when you pay with your Capital One card.

To help you avoid an unnecessary hard pull on your credit report, Capital One offers pre-approval for this card. Capital One automatically considers you for a higher credit line or upgrade to a rewards card in as little as six months.

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Earn a $100 cash bonus after spending $300 on purchases within the first three months of account opening.

Annual fee

$0

Notable perks

The Capital One Savor Student Cash Rewards Card has no foreign transaction fees and provides access to Capital One Dining and Capital One Entertainment. When you need to get off campus to study, you can take advantage of 50% off handcrafted beverages at all Capital One Cafés.

Capital One also offers complimentary access to CreditWise®, its credit monitoring service.

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While technically a cash-back card, the Citi Double Cash Card earns cash back in the form of Citi ThankYou® Points. This gives you more options for redeeming your points. You can use ThankYou® Points to get cash back (checks, direct deposits, statement credits) and other redemptions, such as gift cards at a value of one cent per point. You can also transfer these points to three travel loyalty programs: JetBlue, Wyndham and Choice Hotels. If you pair this card with the Citi Strata Premier^® Card (see rates and fees), you’ll unlock access to even more transfer partners, including Turkish Airlines, Avianca and Singapore Airlines.

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The Bank of America® Customized Cash Rewards Secured Card requires a minimum security deposit of $200 and caps out at $5,000. Your maximum credit limit will be determined not only by your security deposit, but also by your income and your ability to pay the credit line established. Bank of America will also periodically review your account, and based on your overall credit history, may return your security deposit to you.

You can redeem your cash back earned for statement credits, deposit it into a Bank of America account, put it towards a qualifying 529 account or get a check.

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The best benefits of the Firstcard Secured Credit Builder Card are its ability to earn interest and rewards while building your credit. Keep in mind, you’ll need an SSN or ITIN to receive an APY on your deposits.

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The Capital One Quicksilver Secured Credit Card has a reasonable $200 minimum deposit requirement. You’ll also have an opportunity to upgrade to an unsecured version of the card if you consistently make on-time payments and demonstrate responsible card use. You’ll automatically be considered for a credit line increase (with extra no deposit) starting six months after you open the account.

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The best part of the Petal 2 card is its lack of fees — it has no annual fee, no foreign transaction fees, no late payment fee and no returned payment fee. The ability to earn up to 1.5% cash back after making 12 on-time monthly payments is not only a nice perk but a great way to encourage responsible behavior. You can also take advantage of limited-time offers for 2% to 10% back at select merchants.

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Applying for a credit card typically results in a hard inquiry on your credit report. Hard inquiries can temporarily lower your credit score, however, if a credit card offers pre-approval you can potentially avoid the situation where you get a hard pull on your credit report but aren’t approved for the card.

Receiving a pre-qualified or pre-approved credit card offer doesn’t guarantee eligibility, but it can help you hone in on cards you’re more likely to be approved for. If you’re not pre-approved, then it’s a card you probably don’t want to consider applying for.

Many credit card issuers offer pre-approvals, including Discover, OpenSky, American Express and more.

When shopping for a credit card, you want to pick the best option for you. Start by thinking about why you want a credit card and what you want to get out of it. If you’re hoping to build your credit, any card you can get approved for can help, as long as you pay your balance in full and on time each month.

You’ll also want to carefully consider the costs and benefits before applying.

Credit card benefits

Aside from providing a way to build your credit, credit also comes with a huge range of benefits and perks.

Big welcome bonuses and rewards rates are a big part of the value you receive from any card. Knowing what you want to use the rewards for and where you spend the most, can help you hone on the best card for you. Cash-back rewards are easy to use, but travel rewards can have a higher potential value if you jump through a few hoops. Some cards are especially rewarding for groceries, gas, dining or travel. Other cards are great for everyday purchases because they offer a higher flat-rate return on every dollar you spend.

Credit card costs

Most credit cards have interest and fees that are extremely important to understand. One of the most common fees is the annual fee, which you pay every year just to keep the card. If you’re building or rebuilding your credit, it’s typically best to focus on credit cards without annual fees.

Credit cards also tend to have high APRs. When you carry a balance on your card, the interest you pay can easily offset any value you receive from that card’s benefits. If you’re working to pay off card debt, you may be able to benefit from a card that offers an intro 0% APR, just remember that if you don’t pay off the balance before the intro APR expires, you’ll start paying interest again.

Credit cards come in all shapes and sizes. Regardless of where you are in your credit journey or what you want to get out of a credit card, there’s likely a good fit for you.

Secured credit cards

Secured credit cards are a good option if you have no credit history or have a weak credit score because they are easy to get approved for. This type of credit card requires an upfront refundable deposit and your credit line is based on your deposit. Secured cards tend to have few rewards, but you may be able to upgrade to an unsecured card after making regular on-time payments.

Unsecured credit cards

An unsecured credit card doesn’t require you to make a deposit and the credit line you receive is based on factors such as your income and credit history. You’ll typically need a credit score to open this type of card and the most rewarding unsecured cards require the highest credit scores. Most types of credit cards are unsecured, including travel credit cards, cash-back cards, business credit cards and many more.

Rewards credit cards

Cash back cards, airline cards, hotel cards and travel cards are all different types of rewards credit cards. With a rewards credit card, you can earn points with a specific merchant or brand or earn general rewards that can be redeemed in various ways. These cards may also offer additional benefits such as purchase protections, elite status perks or additional bonuses when you spend a certain amount on your card.

Student credit cards

You’re usually eligible to open a credit card when you turn 18. However, it can be difficult to qualify for a card if you have no credit history. Student credit cards are a solution to this problem. To be eligible, you generally need to be 18 years old and enrolled in a qualifying college. These cards allow you to establish your credit history, and some even offer basic rewards.

When you apply for a credit card, the issuer will usually check your credit and verify your identity. To complete an application, you’ll typically need your Social Security Number (although some cards are available without an SSN), address, income, employment status and contact information. You can save yourself the heartache of applying for a card and being denied, by researching a few key factors before hitting submit on an application.

Know your credit score

Most of the top credit cards have minimum credit score requirements. By knowing your credit score ahead of time, you can hone in on just the cards you have the best chance of qualifying for. If your credit score isn’t where it needs to be, it may be better to wait and work on boosting your score before applying.

Understand the card’s requirements

In addition to a certain credit score, credit cards also have other guidelines. These restrictions vary by card, card issuer and type of card. For example, secured credit cards require an upfront deposit and business credit cards require you to have a business or side hustle. Other rules depend on the card issuer, American Express typically limits you to earning the intro bonus from a specific card once per lifetime.

See if you’re pre-approved

Some banks or cards offer pre-approval or pre-qualification. Getting pre-qualified for a credit card doesn’t guarantee your approval. However, if you aren’t pre-approved, you can avoid applying for a card if you’re likely to be denied. This can save you from adding an unnecessary hard inquiry to your credit report, which is useful because hard pulls temporarily lower your credit score.

While there are different credit scoring models, the most commonly used versions rely on similar information to create your credit score. However, your payment history and debt are typically weighted more heavily. So these are the two areas to focus on the most if you want to give your credit a helping hand.

Payment history

When you open a consumer credit card or take out a personal loan, the activity from these accounts is tracked by the agencies that create your credit report. When you make an on-time payment, that reflects positively on your credit score. Over time, consistently paying your bills on time is one of the best ways to increase your credit score.

One thing to keep in mind is that not all bill payments are tracked on your credit report. When you pay your utility bill or streaming subscription, it usually won’t impact your credit score. However, there are services, such as *Experian Boost™ and eCredable Lift®, that allow you to link additional types of accounts to specific credit reports.

These types of tools can give your credit a boost, but there are limitations. You may need to pay a fee, they typically only affect one of the three major credit reports and some services could hurt your score if you add negative payment histories.

Debt

Your total debt is usually a big part of your credit score. Being debt-free or having a plan to pay down your debt, is vital to building your credit.

Paying your balance in full each month is important for revolving accounts such as credit cards because it lowers your credit utilization ratio. Your credit utilization ratio shows how much of your available credit you are using. Keeping this number low will help improve your credit score.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best easy-to-get credit cards.

To determine which cards offer the best value for cards that are easy to be approved for, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back). 
 
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best easy-to-get credit cards, we focused on cards that are available to consumers with no credit or poor credit. 

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*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card is issued by WebBank.