Easiest Credit Cards To Get Approved For In November 2024 

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 off earning 1% cash back and can earn up to 1.5% back after making 12 on-time monthly payments.

Standout benefits: This card earns 1.5% back on all purchases, which is an above-average return for a regular credit card and is exceptional for a credit card designed for those establishing their credit history.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

This card has no foreign transaction fees and grants users free access to CreditWise, which is Capital One’s credit monitoring service. 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.

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Welcome bonus

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee

$0

Notable perks

When you complete a balance transfer with the Citi Double Cash® Card in the first four months of opening the account, that transfer receives an introductory balance transfer fee of 3% of the amount you transfer ($5 minimum). After the intro period, there’s a balance transfer fee of 5% of the amount you transfer ($5 minimum). With a new account, you’ll receive 0% intro APR for the first 18 months (then a 18.74% – 28.74% variable APR)

Rewards

• 1% cash back on eligible purchases right away, which can increase up to 1.5% cash back after you make 12 on-time monthly payments
• 2% to 10% cash back at select merchants

Welcome bonus

None

Annual fee

$0

Notable perks

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.

Rewards

• 5% cash back on prepaid airfare, hotels and car rentals booked through the U.S. Bank Rewards Travel Center
• 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. Eligible categories include cell phone providers; TV, internet and streaming; home utilities; fast food restaurants; gyms; ground transportation; furniture stores; sporting goods stores; select clothing stores; electronics stores; department stores; and movie theaters.
• 2% cash back on eligible purchases in your choice of one everyday category (like gas stations, grocery stores and restaurants)
• 1% cash back on all other eligible purchases

Welcome bonus

None

Annual fee

$0

Notable perks

When you open a new account, you must put down a deposit of between $300 and $5,000 which acts as your credit line. If you spend within your credit limit and pay your bill when it’s due, U.S. Bank could eventually upgrade you to the U.S. Bank Cash+® Visa Signature® Card, at which time your security deposit will be returned.

The cash back you earn with this card is easy to redeem. You can redeem cash back for a statement credit, a deposit to a U.S. Bank account (savings, checking or money market) or a prepaid U.S. Bank Rewards card. You’ll need at least $25 to make a redemption.

Rewards

Receiving a pre-qualified or pre-approved credit card offer doesn’t guarantee you’re eligible for the card, 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.

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.

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 credits 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.

Business credit cards

Business credit cards are a great tool for small business owners because they allow you to separate personal and business expenses easily. Business credit cards are typically designed with small to mid-sized businesses in mind and differ from corporate credit cards. You’ll often need a personal credit score to qualify for these cards, although the activity may not appear on your personal credit report.

Know your credit score

Most of the top credit cards have minimum credit score requirements. By knowing what your credit score is 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, then 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. With Chase, you may not be eligible for a card if you’ve opened five or more credit cards from any bank in the previous 24 months. Do your research ahead of time and read the fine print so you can navigate any limitations you may face.

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.

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.