What are the easiest credit cards to get approved for?

Posted by CreditCardGuru

Q: If you don’t have the most stellar credit history or haven’t had a card before, which credit cards are you most likely to be approved for in 2015?

approved stampA: That’s an excellent question and below is the answer.

The great recession kind of ruined the party for easy credit (though that was catalyst for the recession), so getting approved for credit cards hasn’t been quite the same that time. In the good old days prior to the Wall Street meltdown and housing crisis, almost anyone with a pulse and completed application could get a credit card. Banks and card issuers competed aggressively with each other and promised low rates even to those without credit history or those with bad credit. It’s not that they were altruistic – there was a method to their madness. They would hit you with all kind of fees – either up front in the form of application or annual fees or on the back end for even the tiniest infraction like being a day late with your payment, in order to make such risky accounts more profitable. These days, credit card companies have stricter approval requirements, making approval more challenging for those with bad credit or a limited credit history. This is largely a result of the Credit CARD Act of 2009, which rolled back most of the card industry’s controversial pricing and penalty practices. Credit terms are now much friendlier but the down side is that getting approved can be more challenging.

Let’s take a look at some of the easiest credit cards to get approved for, broken out by category…

For no credit history (or little credit history)

Here is the one I’m seeing a lot of people have luck with lately:Lucky for you, banks view those with a blank slate (little to no credit history) more favorably than someone that has screwed up their credit. In other words, banks are usually more willing to give newcomers a chance.

However it’s highly unlikely you will be approved for the mid- to high-level cards right away. Instead you will have to start off with some of the entry-level cards. After a year or so of good management, you should be able to apply for something even better.

If you are a college student, I would recommend applying for cards designed for college students. These are specifically geared towards younger people with little to no history, so they are some of the easiest credit cards to get approved for – the only caveat is that you must prove that you are a student of an accredited college or university to qualify. We have a sponsored section for with the best student credit cards you should check out. Here is my favorite one right now:

If you are not a college student , you won’t be able to get a student credit card, as mentioned above – they generally require you to document your enrollment status at an accredited four year college or university. Fortunately, there are still cards out there for those with limited credit history, whether you are 20 or 80. The easiest ones to get will be those geared toward people with fair credit (which is what most people newer to credit usually have). Check out our ranking of cards for people with fair credit.

For bad credit

Don’t worry, if you have bad credit, all hope is NOT lost! There are still plenty of options on the market for people just like you!

As expected, you won’t qualify for most of the cards out there. The easiest ones to get approved for will be secured cards. However you need to watch out, because a lot of secured credit cards charge outrageous fees. Just because you have bad credit, it doesn’t mean you should be taken advantage of! Here are some things to keep an eye on when it comes to secured cards:

  • Application fees – Some secured cards charge application fees. Generally this is something that you should avoid at all costs
  • Processing fees – You may be charged a “processing fee” simply for processing your application. Ideally, it’s probably best to choose a card that doesn’t charge this fee, if you have options.
  • Annual or monthly fees – You can expect to pay an annual fee for most secured cards, but some cards’ fees are more unreasonable than others.
  • Easy account management – Online account management, text message notifications, etc. should be included free of charge.
  • Reports to major credit bureaus – Card issuers actually have to pay in order to report their cardholders to the credit bureaus. For this reason, some card providers won’t report. Make sure the secured card you choose reports to the major credit bureaus, otherwise it won’t help your credit.

Due to the fact that secured cards require a refundable security deposit, you’re likely to get approved as long as you meet the simple residency requirements (U.S. citizen), are at least 18 years of age and can verify your identity if needed. There is usually no credit history or credit score requirement, so secured cards are definitely the easiest to get, even if you have really bad credit. Check out this page where we ranked secured offers:

Rebuilding credit using secured cards

March 10, 2015

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

164 comments... read them below or add your own

  1. Kenya McCoy March 25, 2015 at 10:50PM

    Capital one does not approve you as easily as everyone claims especially if your credit score is a 650 and your trying to rebuild capital1′s a joke.

  2. Kristina March 25, 2015 at 12:23AM

    WOW- read through ALL these comments & toward the very end of the thread, noticed a comment that suggested applying for credit with Fingerhut. I had JUST applied for 3 other cards online & was declined for all 3 (2 furniture credit cards- both which appeared to be somewhat easy to obtain, Haynes & RoomsToGo… & the 3rd was a card advertised online for someone with limited/fair credit). So Fingerhut was my 4th application in an hour or so, and with EXTREMELY POOR credit, I was approved for a $300 line of credit INSTANTLY!!! When I say poor, I mean POOR credit- I have a Ch 7 BK from 2007, a few judgments, a home mortgage with my first currently in default & 2nd has a judgement, a few medical debts, electric bill balance currently unpaid & in collections, etc… It’s gotta be in the low 500′s, although I wouldn’t even dare look right now lol. I only got the card to start fixing my credit, not to borrow the $… So if you feel like you’ll get declined EVERYWHERE- def try FINGERHUT!!

  3. kaila March 22, 2015 at 5:22PM

    I’m 19 years old I just moved in my first place in January 2015 started my credit then. I just found out going to be a mom. My first. And of course I’m a single parent… I need a credit card to use only for the baby… but my credit is so thin I don’t know what to do for one…I’m just going to use it for the baby to make sure that it has what it needs is there a credit card out there for me…

  4. Charlene February 22, 2015 at 3:46PM

    I applied for 2 Capital One Cards. Both Mastercard. I was approved for both. I am so glad. These are my very first 2 credit cards. I hope this is a great sign of on my way up.

  5. Ron January 29, 2015 at 1:06AM

    Ok I read a lot of your comments about getting approved for a Barclays card. I had never even heard of this bank but I went online got the phone number and called. I was immediately approved for the choice privileges card. Earlier today I applied for a Macy’s card in store and was approved $500. Current score is 647 and I have $1000 Capitol one and $2000 quik silver card. I was turned down for a third capital one card and was declined. They sent a letter that said it was due to having too many Capitol one cards?? I’m confused!

    • Sarah February 10, 2015 at 4:17PM

      Capital One only allows you to have two of their cards at one time.

      • Misty March 3, 2015 at 1:00AM

        Not true with Capital One I have 5 different Capital one accounts all active

  6. Michael January 21, 2015 at 10:55PM

    I got a credit score of 623 approve for sapphire and chase freedom; for 4,500
    but what I wanted is citi and barclays and I keep getting denied; any help on these on how I can get approved?

    • Deanna February 6, 2015 at 9:56AM

      I had horrible credit b/c of an ex husband. I have 8 K in collections . My transunion score is weird on 1 site it is 620 on another it is 592. My equifax is at 599. I went and got a first premier credit card. Lots of fees and only a $300 limit. As soon as the statement printed I paid the balance. Then I got approved for a capital one with a $300 limit. Again as soon as I got the statement , paid the balance. Now I applied for 2 other capital ones and got approved for both with $500 limits. The key is keep making payments as fast as the statement comes.

      • 1230e February 17, 2015 at 4:16AM

        I got approved for a first premier and cancelled the card as soon as it came with their pamphlet of all these fees. they charge a $75 annual fee that’s already deducted from the $300 = $225 , and , they want a $95 processing fee to activate / get the card… WHICH MEANS U ONLY GET $130. SERIOUSLY GIVE THEM $95 FOR WHAT ?????

  7. cynthia December 26, 2014 at 12:53PM

    Approved with a 598 score. Every little bit helps.

  8. Mjlove December 16, 2014 at 8:04PM

    I had a credit score of 640 in June of this year, I looked at my credit score and found a bunch of things that weren’t even mine! So naturally I thought the best thing to do was hiring this law firm for credit repair (Lexington law) so they could remove all the negative stuff that was affecting my credit, the lady told me it would be a piece of cake because I only had a few things reflecting negative, so I payed the $100 dollars for all their attorneys to get together and ‘discuss’ my case, and within a month not only did they not remove anything, but they lowered my score to a 540!!!! I was pissed! So I immediately canceled their services and they took another $100 bucks out of my account for the ‘work they performed’…. Smh so now it’s like I’m
    Starting all over again… I do have 3 Capitol one cards, and 1 credit one card, but now i can’t get an approval for any card! Never been late on any of my cards, always pay double the minimum, and keep it under 30% utilization… Can anybody tell me what I should do??


    • Same Boat December 22, 2014 at 2:14PM

      I went through the same thing. Have you tried applying for any of the Commenity Bank Cards? They have been easier to obtain and have helped rebuild mine. You can pull a search for them, they have several to choose from. I also used Lexington Law to remove some items. Horrible….Horrible.

  9. Monique December 3, 2014 at 3:30PM

    I have been fixing my credit from a divorce several years ago, and one time it honestly didn’t matter. But as I have gotten older it does matter and I have been keeping everything current. Don’t understand how some companies approve you and others flat out say no!!!! I have Capital One 2 cards, Barclay MC, WalMart, and Belk so I felt I was on a roll applied or some others JC Penney, Best Buy, and Sears and was denied instantly. I have not figured out how it works. But I say God knows me better than I know myself and I don’t need all those other cards…

    • Tabitha December 25, 2014 at 9:06PM

      I started with my USAA card in Nov. I also got the capital one card early dec. and I was on a roll. I started with Victoria Secret which is not a bad card. and then New York and Company. I also got approved for Walmart and Macys I had no luck with JC Penny although you can get their perks without their card. I didn’t have luck with Dillards and Target which is okay. I will try for Dillards and Target much later like 6 months or more.

    • johnny February 8, 2015 at 7:03PM

      you are applying to fast. you have to take time between all you cc applications at least 6 months. Every time you apply for a credit card you are loosing about 3 points off of your credit score. also do get any store credit cards they are not worth the credit pulls. May sure you are NEVER late with at least the minimum payment and you will be fine.

  10. Tabitha November 30, 2014 at 1:38AM

    So I’ve been doing a lot of research and recently my bankruptcy finally dropped off after 13 years. I have 2 collections because I made the mistake of getting a first premiere about 3 years ago. Don’t do it, so many fees. the reason I pulled my credit was because I was denied applying for a wells fargo secured credit card. it was because of a balance I owed from bank of America. I paid it in full in July. since then through my husband I opened a usaa bank account and after 5 months I got a unsecured credit card of 500 limit. 1 month later approved for a capital one card 300 limit. ive saved the money that I was going to use for the secure cards and opened an account at a credit union to save money and fees etc with the big banks. working on paying off debts and increasing my score from 555 Experian and 576 Equifax and 580 Transunion

  11. Douglas November 25, 2014 at 3:52PM

    Barclaycard Wow Top of the charts for me. Merrick…..yes another winner. Merrick raised my cl in only a few months. very nice to rebuild my credit.

    • Douglas November 25, 2014 at 3:55PM

      Oh, if you have real bad credit….your going to have to get a secured card through your bank like i did…..the best way to get offers later.

    • Douglas November 25, 2014 at 4:01PM

      No annual fee with my Barclay and Merrick Card……I just got approved for a walmart cart today with a 500.00 credit line, however Ive been paying on time every month for a year to get it. My FICO score as of Oct 2014 was 678……keep trying, don’t get discouraged you will do it in time if you pay on time. I pay as soon as I get my bill. Good Luck Y’all.

      • Douglas November 25, 2014 at 4:05PM

        Oh I had a chapter 7 Bankruptcy in 2007 also…..It just takes time, patience and PAYING ON TIME!!!! i had my secured card through my bank for one year back in the day when I started and paid on time every month. When they tried to charge me an annual fee after a year, I said noooo wayyyy. Im trying to go out on my own!!!. Thats when I applied with Barclays and Merrick….Was worth the wait and discipline. Good luck to you all

        Frederick MD

    • Douglas November 25, 2014 at 4:12PM

      Correction, FICO score 662 not 678

  12. Anji October 9, 2014 at 7:19PM

    Correction- my BK DISCHARGE WAS 12/2012

  13. Anji October 9, 2014 at 7:17PM

    Just approved for $2500 barclaycard. Was gardening today and denied a Discover IT, even after calling recon all they offered was applying with a joint applicant. Also denied Best Buy card today but I will be calling their recon number tomorrow. Took a shot at a Target card and got $300 limit which Im hoping for a CLI in 6 months. EQ 667 TU 621
    C1 quicksilver one $2250. (That started off at $750 days after BK discharge 12/2013 within a year they automatically raised CL.) C1 platinum started at $500 after 6 months raised to $750 denied a CLI after a year when the other C1 was raised. Amazon store card $900(that was automatically raised by $200 within 1st year) Walmart $600 (that was automatically raised by $200 within 1st year) JCP $500 (automatically raised by $100 in first year) TJM $500 (that was automatically raised by $200 within 1st year) Pier 1 $500 (denied a CLI after 7-8 months)

  14. Anna September 29, 2014 at 3:08PM

    I have a credit score of 666 I applied for a capital one card and a discover it card, and a journey capital one card. And got declined for all three. I only have a few student loans because I am currently in college and that’s it. IDK what to do. All I want is to have a credit card to start improving my credit so when im out of college I don’t have a horrible credit score and maybe buy a house some day. Any suggestions on what card I should try to apply for now???

    • Byron October 3, 2014 at 7:53PM

      Try applying for a secure card capital one , but before you do anything go to the prequalify for credit one , or pay 95 dollars for the first premier and in 6 months apply for the Barclay rewards, walmart,or the quicksilver master card also Victoria secret will also give u a 250 credit limit card that will help good luck ,

    • Tammy October 18, 2014 at 2:47PM

      Try applying for Sears, Kohls or Macys. That is where I started. Remember not to max them out. Then after paying on time for about 6 months you should be good for a Barclay Card or possibly the Discover. Good Luck!!

    • Kim November 24, 2014 at 1:52PM

      Start w/ a secured card at your local bank. I did bank of America after maybe six months Capitol one offered me a pre approved card then credit one did the same. I haven’t tried any others, but after one year they give you increases & and your local bank refunds your security deposit ;-)

  15. Maddi September 23, 2014 at 8:59AM

    I had no credit. I am a student with several PT jobs. I first applied for discover. They kept saying processing. I finally called and they said I was rejected. So I tried Capital One journey. I was instantly approved for $300. Not much but good enough to start building credit. I spend $50 per month on it and have them take the full amount from my bank account each month (so I don’t forget and screw it up). After just a few months, my score (transunion) is 730. I can’t wait until I can apply for a serious rewards card. I hear that for Chase you need 2 years history. Does anyone know if there are any other good cards that you don’t need to wait 2 years to get?

  16. fred smith August 27, 2014 at 11:36AM

    i applied for a SECURED Bank Of America Credit Card with a Deposit of $300 and after 12 months they returned my Deposit and INCREASED my Credit Limit from $300 to $1,500

    • Sladjana September 10, 2014 at 12:45PM

      Did you have any credit history before you apply for Secured Bank of America card?
      Thank you

      • Kim November 24, 2014 at 1:56PM

        I did the same w/ BofA with a low score of 549 now I’m at 645 and have a Capital one & credit one card (which automatically takes $75 off your credit line

    • jimmy smith October 29, 2014 at 3:51PM

      I sent them 100 dollars and got a 500 secured card and i have had it for 8 years and have never received an increase and I even asked for it once and they didnt do it. i have always paid it on time and for years didnt even carry a balance on it at all without paying it off in full at the end of the month. What did you do to get the money back and a increase

  17. Mimi August 20, 2014 at 1:36AM

    I have a bk aug 2013 one week after discharge I received a pre-approval for first premier 750 but I had to pay a fee of 75 bucks.. Two weeks later I applied for capital one quick silver approved 500.. So just recently I started reading these forums .. I also had a secure card for well Fargo 500 bucks went over the limit and they closed it the next day.. So I was so angry.. I went (this all happen May 2014) to a credit union open a ck acct n savings and I asked about getting a500 secured card and they said do you want a unsecured card I said yes so they gave me a unsecured master card 2500 credit score in 570, 597, 600.. So after that in June and July I just started applying .. And I got a firestone 900, another capital one 300 a credit limit raise on my credit union card of 1500.. Totaling 4000.00.. So last week I applied for the Barclay card for about the 3rd time and was denied so I called them and basically asked them why.. Told them to give me a chance I’m trying to rebuild look at my report I haven’t been late etc etc and she said I see your trying to rebuild and your doing a good job at it.. I going to approve you for 1000 welcome to Barclay .. So then I said let me try a few other that has denied me .. Victoria secrets has denied me 2x so I applied again and then called them the next day they asked me a few questions and approved me 250 same thing with Roamans not sure if I spell Roamans correctly.. But discover, amazon, walmart etc denied me.. I have found comdetiy bank seems to be the easiest to get and they are extremely nice.. I have been reading post about folks doing what is called the shopping cart trick it really works not for me because I was opt out for pre-approvals but if you have not opt out.. You go to one of comedty bank stores that offer credit card and after you fill out your name etc and you get ready to check out a preapproval screen pops up and you accept you just got yourself a credit card.. Sorry for the misspelling etc I’m using my iPad/iPhone I hope this helps also pre-approvals on total rewards and points web sites

    • Ems August 25, 2014 at 4:13PM

      The shopping cart trick has never worked for me ever in life. I’ve never even seen the screen so I think it’s awesome that others benefit from it. Pretty cool

  18. Ryan August 12, 2014 at 3:20PM

    Got approved for the Barclay card instantly with a credit score of 575 and income of 65+/year

    • Michael January 21, 2015 at 10:58PM

      wow; I keep getting denied for Barclays.

      • Lexi February 10, 2015 at 12:57AM

        Me to. I wish I could hack into the main frame of credit bureaus and fix all our credit to make it perfect lol!!!!

  19. Tony August 5, 2014 at 4:11AM

    Capital One is the way to go, I have ass for credit with tons of negatives -ty salle mae and your lifetrap loans- and they approved me. my credit score is only a 569

  20. Robert August 3, 2014 at 6:11PM

    GM Capitalone Elite World MasterCard is so so easy to get. If u not appove,
    Call them up, ask why? My score is 658 and I got appove since April of this year
    with $8000 CL.
    Good Luck, Pepole
    Go here to apply gmcard.com

    • JM August 25, 2014 at 8:36PM

      May I ask what denial reason you were given for not being approved in the beginning? I just applied for the Barclay card and was approved for $1300 but when I applied for the GM card, they said “insufficient credit references.” I am just trying to build my credit to buy a home. Any advice?

  21. me July 30, 2014 at 2:37PM

    Cash is king.

  22. Michael July 10, 2014 at 2:05AM

    Barclays SUCKS!!! I have almost every card you can get, but they won’t approve me to go to the bathroom! I don’t know what there problem is. I have cards with credit lines from $500 to $10,000.00! I just don’t get it.

    • pritina July 19, 2014 at 5:30PM

      What credit cards do you have??

    • Ems August 28, 2014 at 1:33AM

      You have to call Barclays the day that you apply and beg and plead until the analyst transfers you to a senior credit analyst (supervisor). The person transferring the call will explain everything beforehand. Once the supervisor starts asking you questions about your income and credit history, be obliging and explain everything patiently. They eventually will approve you if you’re persistent. They told me no 12 consecutive times over a 12 month period before finally approving me after I called them 3 times.

  23. Vicente Javier May 31, 2014 at 8:23AM

    Hi, I’ve been reading about your Mastercard secure credit card and found it perfect for me.
    I live in Puerto Rico and would like to apply for the card. Is it possible?

  24. Vivien Mudgett May 28, 2014 at 4:28AM

    Score is around 620 was able to get Macy’s, Staples, Best Buy and Kohls. I also was able to get Capital 1 with 1000 dollar limit and a 500 limit for business card. I have tried all others with no success. Have a bk around 4 years ago and some medical collections which I intend to pay this year. Does anyone who has applied for Barclays and did NOT get an immediate response have an approval? Does a review mean they are declining you? Thanks.

  25. Brittney Anderson May 24, 2014 at 1:25PM

    Not sure how they filter these applications. I have a 675 score, 4 years on most of my accounts, no late payments, still paying on a car and have two other credit cards. Denied for both, to me it seems to be a hit or miss.

    • Lindsay Brian June 7, 2014 at 12:21PM

      Credit card companies also look at your Debt to Credit or how much of your total limit your using. If you have maxed out all your current cards you can still have an okay fico score but not be approved for a credit card. I recommend keeping your DTC is about 30% of your limit; for example if you have 3 cards with 1k limits each, 3k total, you only want to use 1k of your limit at a time.

      The other thing that could be happening is if you are applying for several different things all at the same time. This will show a lot of inquires on your report and make it appear as though you are either desperate for credit to your lender or that you recently got a ton more credit.

      I don’t know if that applies to you but I hope that helps!

  26. jason May 21, 2014 at 9:45AM

    I have tried for the capital one but they always denied me I have a credit score of 512 485 and 634 just want to know why I can’t get approved

    • lisa September 8, 2014 at 8:28AM

      Jason get a capitol one prepaid. I did and in five months I have over 10 cards now and they raised my limit on my prepaid by three hundred and also gave me a quik silver card.

  27. buffman May 13, 2014 at 12:10PM

    the way the approve credit is a mystery. my score is terrible at 540. i was just approved for the Capital One Quick Silver. no idea how.

  28. Trisha May 13, 2014 at 12:17AM

    My husband just got approved for capital one with a 501 Equifax and 555 transunion credit score making $40,000/yr. Of course credit limit is only $300. I applied to Chase, AMEX, Discover, Capital One and USAA because my husband is ex air force and was denied for each one making $40,500/yr and an Experian score of 555, Equifax score of 562, and Transunion score of 574. I also applied for a Walmart card but they stated they will send me a notice in the mail regarding whether i was approved or not and I tried a GM credit card and was told my application is under review and they would let me know by mail if I was approved. I have a few medical bills in collections and we both have a judgement because of a long term unemployment and we were evicted and then 2 repos that occurred at the same time. We both also have student loans in deferment but have a car payment that is paid ahead and on time each month and a loan we are currently paying on. I just find it odd that he was approved and I was denied when I have better credit.

    • Hotsaki July 12, 2014 at 8:53PM

      He got approved because he is the bread winner in your family and has verifiable income. Your circumstances will change dramatically if you get off the couch and get a job.

      • S. O. Rooney November 14, 2014 at 3:48AM

        What the hell? Are you serious? What a nasty person!

  29. MelindaH May 9, 2014 at 7:57AM

    Barclay was a no. Don’t know why but nope.

    • Troy May 10, 2014 at 1:07PM

      I have had a secured card for 5 months now my score is 707 – 721. My total history is only 5 months long. Who would be the best to go with on getting a real credit card with?

      • silver May 12, 2014 at 11:42PM

        capital one definitely

    • E May 28, 2014 at 2:06PM

      Call them. They told me why I didn’t qualify last year, and then a year later, I tried again, and was approved. Seems like a long time, but at least you’ll know what you need to have for them to approve you.

  30. Patrick April 29, 2014 at 2:33PM

    Barclays approved $1,500, Capital One just declined. Go figure. Already have two cards with capital one.

    • Nick C July 19, 2014 at 10:42PM

      You were declined because Cap One only allows you to have 2 cards. They’ll send a letter in the mail saying it.

      • Alex G July 27, 2014 at 11:46PM

        Funny i have 4 cards from capital one. 3 are the quick silver

      • Bob August 3, 2014 at 5:54PM

        Not true, I have 4 Capital one , 1 Elite World MasterCard , 2 Quick Silver, 1 Visa Signature Card.

      • terry scoville September 26, 2014 at 2:59AM

        I have 5 active cards/one cancelled card (I cancelled because of APR). Otherwise I originally had six at one time from Cap One. Highest at $3300 and lowest at $750.

      • Wisdom October 17, 2014 at 12:54PM

        I have 3 cards from Capital one! there is no limit when you are in good standing.

      • Mjlove December 16, 2014 at 7:36PM

        I actually have 3 cards with Capitol one, maybe I just got lucky lol

      • Michael January 21, 2015 at 11:00PM

        I was approved for 3; but closed them down because I thought I didn’t need it. Bad decision; I should have kept them opened. Now I can’t get approved for capital one

  31. Mark April 16, 2014 at 8:18AM

    There are many factors with getting approved. my score is 593 and got approved for barclay for $500.00. They look a lot for stability as well. How long you have lived at your current address. Collection on utilities is really bad…….they figure if you don’t pay your electric, your not going to pay for a credit card. Whether you own or rent. If you bankruptcy is discharged or not………….and length of time from poor credit. IE…….if there is a collection account on your credit……….and its 2 years old and your credit is fine otherwise…then it wont bother you. Sometimes you never really know why its declined. They can give you bad marks for many things. YOu need to score high on basic things…….length of time at address, how long you have had the same phone number, you debt to income ratio, you length of employment at same job.

  32. Robert April 10, 2014 at 9:17PM

    The easiest card to get approved is GM World Elite MasterCard. I just got approved with $8000 CL.
    This is a brand new card from Capitalone with GM.
    Apply here gmcard.com

    • jerry May 30, 2014 at 8:18AM

      I tried that and never got approved. Got approved for Quick Silver though.

    • MrsTreWms July 15, 2014 at 10:43AM

      Robert, do you mind sharing your scores?

      • Bob August 3, 2014 at 5:55PM


      • Robert August 3, 2014 at 5:58PM

        650, if u really want to know.

      • Robert November 23, 2014 at 10:11PM

        650 n have 5 accounts with Capitalone.

  33. LC April 8, 2014 at 4:55PM

    Credit score 671 and got approved for a Barclaycard for $2500

    • Michael May 22, 2014 at 2:12PM

      Which Barclay Card?

    • Annie June 13, 2014 at 12:17PM

      I got approved for Barclay for $2500, Bankruptcy finalized April 2012

  34. Kat April 7, 2014 at 10:11AM

    Capital One denied me with a credit score of 600. I’m not sure where these people are getting their information from, but they need to quit telling people Capital One is a option for people with challenging credit. They are NOT! So I guess there’s no hope for rebuilding credit in 2014. I guess since they’ve acquired Household Finance, their credit criteria has changed therefore they are no longer aiding people with credit issues.

    • yeah April 17, 2014 at 9:11PM

      I just applied for someone in my family and his score is 650 but did not get approved for capital One because he has a thin file that’s crazy because he paid off his student loan and has no bills, no credit cards, and could not get this.I have a score of 584 and did get approved for Capital 1 which I thought was a little strange as I had some bad things on there but I have been paying on my school loan and had other things I paid in the past but I had 3 hard credit checks on there and some collections.I really don’t know how they decide who gets what.I did try to get him a walmart card which they are making a decision to get him started.I also applied for a walmart card and a crate and barrel card and I’am waiting for decision as I’am wanting to rebuild my credit.

    • Rock May 5, 2014 at 4:10PM

      I also got declined for capital one but I sent in a letter stating I have a score in the low 600′s and am trying to build and would like a chance to do so. They then approved me BUT with my own funds of only $200…..bummer but at least they report to the bureau and it has helped my score and they said after 3-6 months they will increase my limit without me having to send more funds in. Hope this helps.

    • karen May 11, 2014 at 5:52PM

      Capital one will deny you if you apply for more than one credit card within 30 days.

      • Jessica August 15, 2014 at 2:09PM

        Not true, I just received 2 credit cards from capital 1 less than a week a part from each other and just finalized a bankruptcy about 3 months ago.

    • . June 13, 2014 at 7:03PM

      Capital One approved me for 1000 with a 525 credit score

    • Tanya September 28, 2014 at 4:19PM

      Capital One is not that easy! I started with a secured card 200CL and now I have two Capital One cards the secured which they raised by 500 and a quick silver which they just raised by 350. I know it is hard to rebuild but just hang in there. GOOD LUCK

      • Nito October 15, 2014 at 7:32PM

        How long before Capital One Secured raised you by 500? Thanks..

  35. JACKIE April 5, 2014 at 2:41PM


  36. Joseph March 30, 2014 at 5:30PM

    I have a question before I even apply for the barclaycard.
    Everytime I apply for a card it says that my credit file is too thin.
    AS far as I know, aside from Renters credit I have no credit at all.
    Before I waste my time applying for this card only to be rejected again does anyone have any insight on if I should go ahead with the application process or just not bother with it at all based on what I’ve just said?

    • Annie June 13, 2014 at 12:18PM

      If you have no credit at all I would suggest applying for a dept. store card to get some credit established.

    • Lorin Andre June 17, 2014 at 7:19PM

      Here’s the dealio, Joseph. If you don’t have any credit history that amounts to no credit. If you owe a pile of bills but pay on them regularly you will have a decent credit rating. Mine was non-existent. Bought a car last Summer, and that plus my utility payments, other bill pays with my bank debit card, etc., resulted in my being approved for Capitol One and a five hundred limit. Notified yesterday after only having the card for a few months that my line has increased to two thousand. I’ve tried a few times for a card that uses Chase Bank and still get denied. I’ve heard that Barclay is easier, but if you apply for several cards in a flurry of action they think you are desperate and will deny.

  37. Chuck March 18, 2014 at 1:57PM

    I think the chances of qetting an approval are all a matter of who pulls the paper off the computer at any given time. Our income is over 55K a year. Nothing we do can get us a credit card approval. Cap one made a mistake on my spouses account and refuses to correct it. Wrote off and replaced an account that was allowed on a chapter 13 bankruptcy 17 times. The interest is now $1400 above the $586 balance. Cap one could have been repaid at the time but never filed. All our debtors had the chance, we repaid over $35K in 5 years. We should have filed a Chapter 7 and wrote it all off. Turns out 75% of people never pay off chapter 13′s. Instead of getting credit for repayment we’re screwed. Current credit scores are 650 +. Guess what … they don’t use credit scores anymore, they use newer reports to determine your numbers. Pulling credit scores is a waste of time – wonder why you don’t qualify, it’s because they pulled one of the newer reports. Credit scores are ‘old’ and out of date. THey only make money by getting us to buy them month after month. We’ve never had a bounced check, never paid our utilities late, own our home free and clear, our vehiles are PIF and the only late payment we had on the last one was the month it took to file the bankruptcy report. Nothing real matters. All smoke and mirrors. Am I angry … yes, 50 years of working and not one person will pick up a phone and actually look for the truth anymore.

    • Sue May 19, 2014 at 3:08PM

      Chuck go to myfico.com and search the forums for ‘backdoor’ numbers. Try to get a credit counselor on the phone (it’s doable but takes perserverance). They WILL listen. I have had Capitalone take negatives off my report – it’s a true fact. Discuss what they see you as on paper and what the truth is and I promise you’ll get a better result. myfico is a treasure trove of how’s/why’s and how-to’s.

  38. julien March 13, 2014 at 7:08PM

    Applied for cap1 card. Asked for income w2 SS#. Don’t know what to make of it. Any advise? Credit score 580.

    • Robert April 10, 2014 at 9:26PM

      They want do make sure what you say is true on the application.Example, If you say you a student and making
      $50000.00 a year, yeah, of course they will check on you.

      • Starr May 8, 2014 at 10:21PM

        I am a full time student and I make 100K/yr. Just because someone is a student does not mean they can’t make a large amount of money annually (although not common, I know). The issue comes in when you lie on an application and you are approved for a high amount, you are then responsible for that high amount (you are ALWAYS responsible for you debt). Many cards offer programs for deferred payments in the event of job loss. If you lied on your application and suffer financial crisis, you are going to have a tough time explaining this to the creditors. Lying on your application will only hurt YOU.

    • bee June 9, 2014 at 12:04AM

      Cap 1 approved me for $300 and I filed a chapter7 2 years ago credit score 640

    • realtor July 25, 2014 at 12:17PM

      Did that to me too. Sent in and gave me $3000 limit after only 6 months following bankruptcy.

  39. Deborah Harvey March 2, 2014 at 8:54AM

    Approved for Barclay for $1300 credit YAY

    • Eric76hd May 9, 2014 at 10:52PM

      Bankruptcy in ’09, approved for Capital One $750 1 year later. Slowly applying for cards while using as a debit card (don’t have the money, don’t use the card). Capital One raised to $2250 limit 2 years later, got Barclay card, approved $2000. Target $300. Getting back on track. It’s doable but don’t go back to your old ways. DONT HAVE THE CASH DONT USE THE DAMN CARD!!!

  40. CHRISTOBAL SARADETCH February 22, 2014 at 7:30PM


  41. mike February 22, 2014 at 12:22AM

    Don’t apply for a Barclaycard. Instead apply for fingerhut mich better u well get approved. I was denied with Barclay and I have good credit. I applied because this site said it’s a good chance of approval. ( the hell it is ). Now i have inquiry to even lower my score worst screw Barclay. Try capital one bank or Fingerhut. Trust me.

  42. Parrish Tubbs February 17, 2014 at 8:10AM

    What credit report did Barclay card uses?

    • working on my credit March 4, 2014 at 3:13AM


  43. tiffany February 9, 2014 at 10:29PM

    Approved Barclay card for $750 with a 615 credit score

    • ellasf March 8, 2014 at 8:10AM

      That’s great! Do you have any baddies?

  44. Johnny February 8, 2014 at 3:19PM

    Ive been denied by both Barclay and capital one. What amazes me is that all 3 credit bureaus have 3 different scores. My highest is 741 down to 570. Revolving account is 0 and still denied. I don’t have any payments and make decent money. I honestly don’t think they look at all 3 scores just Transunion because it’s the hardest.

    • shhhitsme February 11, 2014 at 10:17PM


      The score in between your two others is your mid score. It is used to determine your credit. Many companies frown upon $0 revolving, as they can’t judge if you’re responsible with credit or not.

      Use less than 30% of your credit each month, but use it every month. You can pay off the bill. We use $30 twice per month for gas in my husbands truck and then pay the balance off. It helps show a revolving responsible use of credit

    • David March 6, 2014 at 10:31PM

      Be sure that you don’t owe any banks even by owing a buck to any bank will lead to serious inquiries and being denied. You could check if you owe at ChexSystem.com and file for your free report it could take up to 5 business days to be sent, or simply head down to your nearest credit union or bank and by applying for a checking account they’ll be able to pull up your ChexSystem report on the spot.

    • Rock May 5, 2014 at 4:16PM

      you should try first premier or credit one.

    • Sue May 19, 2014 at 3:11PM

      Have you pulled a copy of your report to find out why the difference? You can contest wrong items, items that should have dropped off. I belong to myfico.com (am not an employee but I do mention it alot because they HELP). The forums alone contain great info about how to improve, get rid of baddies, even TALK to people at the credit card companies for re-review. Give it a try.

  45. Ashley February 6, 2014 at 8:29PM

    APPROVED barclaycard! $2000! Low income, credit 650. YaY

    • Sammy February 21, 2014 at 12:17PM

      which barclaycard??

    • Ems August 25, 2014 at 9:13AM

      I have Discover, Chase and other prestigious cards with utilizing less than 30%. TransUnion score of 721 and Barclays absolutely will not give me a card. My income is almost 6 figures now. They won’t even say why. There’s no real number to contact them. I’ve written them and they won’t respond. It’s amazing to see EVERYONE else approved for their cards and I cannot. I just don’t get it.

  46. Kevin February 4, 2014 at 6:13PM

    Just denied Barclay… credit score 654…70000 yearly income.
    Car payment paid in full in last year.
    Quite sad!

    • Mimi August 29, 2014 at 10:39PM

      I was denied 2x but I called them and asked them for reconsideration told them I was rebuilding and they granted me a card 1000 .. So if you are denied call.. I’ve done this on several denials and got approve.. Commodity bank is a easy approval if you call right after you get that we will mail you in 10 day notice.. Also firestone very easy I applied and then called got approved 900.. So people call if you get denied.. And call if you get the 10 day mail crap

  47. jgarcia January 23, 2014 at 7:13AM

    Applied for the Barclay, capital one, and discovery and was denied. I make little under 20000 and am have no outstanding balances so I don’t know what the deal was

  48. samad January 22, 2014 at 1:42PM

    MY credit Score is good. I applied for BarclayCard and i got denied. Please people DO NOT apply for barclaycard unless you have long credit history and excellent score. I will tell admin to remove this credit card so people won’t get fool. Thanks

    • tscoville January 28, 2014 at 5:37AM

      I have a credit score of 576-654, depending on what time of day and which reporting agency is used, and I was approved for Barclayy instantly for $1000. I am rebuilding my credit and my utilization is less than 10% so that may be why.

      • brown February 23, 2014 at 3:42PM

        If you don’t mind, what’s your annual income?

      • ellasf March 8, 2014 at 8:10AM

        Did you have a secured card already? Also, what are your baddies? Thanks.

      • Sue May 19, 2014 at 3:14PM

        Under 10% utilization is so key it’s crazy. I want a Southwest card or in lieu of that any travel card and have a Trans score of 695 and Equifax 720 but I’m not even going there because I’m not under 10% util on my cards. I will wait until that’s done….then wait til the 3 reporting agencies are up to speed, THEN apply.

    • Michael May 22, 2014 at 2:16PM


    • Mimi August 29, 2014 at 10:40PM

      You need to call.. Seriously call they denied me twice and I called and got approve.. Try calling

  49. JerryH January 22, 2014 at 10:21AM

    I am 19 yo and i got my first credit card in august of 2012,from 1fbusa with a $200 limit with no job, and I still was in High School, after 6 months it went up to $900 , still no job and I always paid on time. Now a year in half later, am in college, just got a job in dec 2013. I have a Dillards($1000), Belk($300), credit one bank($400), Us Bank Student card($600), and still have the 1fbusa($900). I got all of those cards in march and april of 2013. My experian credit score is 692,am not trying to get anymore but, i plan on closing all of them but 2.
    So really it doesn’t matter what you make , at least in my case it didn’t, starting off you’re going to have to pay the high interest rates.

    • BritB February 25, 2014 at 12:06PM

      Don’t close the cards, leave them open and don’t use them but maybe once a year. Closing the cards will have a negative impact on your score and will lower the total availible revolving credit that you have.

  50. Courtney January 22, 2014 at 5:58AM

    I got a credit one card with a limit of $400. I made one $100 payment and within a week they lifted my credit limit to $600. I have a 570 as credit score.

    • Karen April 15, 2014 at 11:15AM

      Hi, if you don’t mind sharing, what credit card was it? Thanks!

    • Rock May 5, 2014 at 4:18PM

      I just got approved for a 400$ limit and I am waiting on the card. My score is at 619. First premier is another good one.

      • Nick C July 19, 2014 at 10:44PM

        First Premier is a scam and can have a $75-$150 annual fee.

    • MrsTreWms July 15, 2014 at 10:52AM

      Courtney, to which card are you referring? I’ve never heard of anyone getting an increase within one week after only making one payment.

      • Mimi August 29, 2014 at 11:00PM

        I got a increase after one week with credit one .. My limit was 300 and a week later a 100 bucks increase I had purchase something and paid it off within a couple of days and the next week increase

      • BMJ November 28, 2014 at 5:37PM


        I also recently was approved for a Credit One card with a $500 credit limit. It came with an automatic $75 annual fee. I paid the $75 immediately and when I checked my account online, I saw that my limit had been raised to $700. This happened in less than a month’s time.

  51. sha January 15, 2014 at 6:01PM

    I tried for a Barclays Card, my score 737, only 3 other cards low balances, credit history 8 months, got denied applied second time about year history, still denied, so I called for reconsideration and was told the reason for denial is to they expect to see high utilization on my present cards,

  52. jjrenell January 15, 2014 at 11:24AM

    I’ve applied for several over time I’m 46 and have paid of vehicles ahead of time. I have no credit cards ever and because I don’t have that revolving debt I’m constantly denied. Omg never collected any type of welfare. I make 40 a yr, and I have to start a credit card with a 250 limit and it’s all fees just to say I did. That’s crazy the way our system works.

  53. Anonymous Anonymous January 3, 2014 at 11:46AM

    I have a relatively short credit history and I just got approved for Barclay. Thanks for your advice!

  54. laura jacilix December 19, 2013 at 9:30PM

    I’ve never had a credit card or anything bad against my credit except a few minor things and I really need help to know which card to apply for im tired of apply to see a no :(

  55. jones December 7, 2013 at 9:20AM

    I got approved for capital one, im under review for barclays idk if I’ll get approved for them..i gotta repo n late card payments on my last credit card but everything is paid up except the car n my credit score is 607

  56. Steve December 3, 2013 at 7:13PM

    I dont believe income is an issue here. I got approved for $1300 and i make less than 30,000 a year and my bills are 70% of my income. I have a $500 capital one card thats full and still got approved. I got denied by chase, discover, and usaa-(supposed to be pro military) and im active duty military. I really didnt think id get approved but life is full of surprises

    • tscoville January 28, 2014 at 5:40AM

      if you are active duty, please apply at navy federal credit union. nfcu.org.
      they just approved me after joining w/membership for $5 a c/c at $5000.

      • steve September 1, 2014 at 4:40AM

        Hi tscoville,

        I am in Atlanta and want to join NFCU but I am not military or Govt and I need a sponsor, will you sponsor me so I can join?

    • Michael May 22, 2014 at 4:10PM

      USAA has underwriting guidelines. They are not gonna just give you a card because you salute the flag lol

  57. Loida November 22, 2013 at 3:26PM

    I was approved with Barclaycard for $1300, My credit score is 640, I had applied for other 3 credit cards which 2 accepted me and this one accepted me also

  58. Sweet November 17, 2013 at 8:09PM

    My credit isn’t perfect. Bankruptcy and lates and charge offs on my report. I was approved for the Barclays card for $1300, my credit score is 690. Today is 11/17/2013

  59. Aaron July 19, 2013 at 12:51AM

    Chase offers the best Credit Line amount, best interest rate of major cards, and if you have good or better credit youll be approved

  60. Misty January 18, 2013 at 8:28PM

    I also have a credit limit with AmEx of over half my income. And that isn’t taking into account my 3 others. And $10,000 is the most I’ve ever made as I’m a full time student…

  61. John December 19, 2012 at 6:15PM

    I’ve had troubles in the past, such as having my vehicle repossessed and charged off credit cards, due to losing my job, being young, and not understanding credit. Fast forward 5 years and all past issues have been paid off and I used the secured credit cards path to rebuild my credit. Currently have a brand new car with 5.9% and multiple credit cards with a total of over $13,000 credit limits combined. I never put more than 30% on any card and I do carry balances over on some since they have that wonderful 0% introductory rate. I do still use the ones which the 0% introductory rate has expired but only charge small amounts that I can pay off every month. I am planning on purchasing a home within the next 2 years and believe I am on the right track. Some feedback would be much appreciated. As to everyone else out there that is frustrated, it takes time and a lot of patients to build/rebuild but it can be done! Best wishes to all on your credit building endeavours!

    • Gina August 31, 2013 at 6:20PM

      what was your credit score? And I have a lot of things coming off my credit report in 2013 and Jan 2014, How long should I wait before I apply for credit to see if my score has raised any at all? About 3 to 4 months?

  62. Shawn October 21, 2012 at 1:26PM

    Try joining a credit union. Once you have donated to their preferred association, and have opened up a free chequing or savings account, they will issue you a member#. Use this member number when applying for their credit card. You will be shocked at how easy the approval process is. Try DCU.org

    • ann May 11, 2013 at 11:48AM

      what is a preferred association

  63. Ariana August 22, 2012 at 10:05AM

    I’m a student and tried applying for every single one of these including a US Bank student card. I got denied for every single one.

    • Jessica April 4, 2013 at 12:06PM

      You shouldn’t apply for too many, and if you do, limit to about 2 and make sure you apply on the same day. Nonetheless US Bank is very hard to get approved for.

      After you’re denied, wait another 4 months and try applying again. Your score needs to bounce back.

    • kasi July 4, 2013 at 2:30PM

      Hi if you’re a student then apply for the Discover student card. It’s easy to get for students.

  64. applied August 14, 2012 at 3:39PM

    my husband applied for a capital one secured credit card and got DENIED! i have always thought that this was a fail proof credit card but indeed it is NOT! they sent letter stating that his credit did not meet, why do they state on website its to rebuild credit for bad credit but then wont approve a 570 score? makes no sense!! what is the fail proof sec credit card? 100% approval?

    • Domenique September 12, 2012 at 12:52PM

      Ya, I applied for Cap one secured and got denied as well. I have 2 cc’s and have paid all bills on time for 2 yrs. I was shocked!

      • Question August 24, 2013 at 6:22PM

        I am a disabled woman in her 50′s and I was separated from my husband who destroyed my credit. I just need one card to start with. Which one do you recommend?

    • Mitchell Rakoff July 5, 2014 at 12:37PM

      Tell him to try the Red Journey card. I got approved while being denied for their other cards. Since he’s already applied, one specialist told me you have to wait a month before reapplying again.

  65. Pete July 28, 2012 at 1:06PM

    If you have good credit- almost any financial institution wants your business- just do a search on line then compare. If you have bad credit, you might just settle with high rates to give time to re-establish your credit.

  66. Shawn July 24, 2012 at 2:01AM

    In answer to Christine above and others who may be in a similar situation. If $12,000 is not a typo, you may not be meeting the minimum income threshold. Even many department store credit cards look for a minimum of $14,000 a year in income to get approved. Make sure that you are filling in the forms right. Good luck!

    • Misty January 18, 2013 at 8:25PM

      That isn’t true. I only make like $10,000 a yr and I got approved by American express. My parents make over $500,000 and got denied. What you make can’t make much of a difference.

  67. christine coy February 4, 2012 at 10:36AM

    I’ve tried getting a Discover and Walmart card, just paid my home off never lapsed on bills. I make over 12000 a year what am i doing wrong?

    help me please cc

    • CreditCardGuru February 9, 2012 at 12:24AM

      If you were denied for those then try the link above :)

    • Sarah March 31, 2012 at 9:03AM

      I hope the $12,000 a year is a typo…if not, then that’s why!

      • Candice November 26, 2012 at 12:22PM

        LOL that’s what I was thinking. You can’t get credit cards when you only make $12k a year… I make $50k/year and was lucky I got one with a $1,000 limit and having excellent credit LMAO

    • Laurie A October 24, 2012 at 8:15AM

      You were probably not approved because you may have too many credit accounts. Your income to debt ration is also looked at. I got a capital one unsecured mastercard. My credit score was about 600 and i owe absolutely no money.

    • Seth January 3, 2014 at 8:46AM

      I make a little over $13k a year and I got approved for the Capital One Quiksilver Card. Granted I only got a $300 limit but it doesn’t take long for that to be moved up.

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