Thread: What is the easiest unsecured card to get approved for?

I am looking for a good first unsecured credit card. I am NOT interested in a secured credit card. I have tried for several cards so far and so far no luck.

I tried for an Amazon Store Card and got rejected. I tried for an Amazon Visa Card, I am still waiting to hear back from that one. I also tried a Capital One Student Card and I am waiting for a reply but it seems they did reject me when I applied online.

A year ago when I just moved to US (so I didn't have credit history at all) I applied for CapitalOne Cash Rewards for Newcomers and was approved for $300. Yes, it's a small limit. But it was first real credit card with no annual fee. 5 months later they increased my limit to $500.

It helped me to start credit history: just year later I already have AmEx BCE with $15k, Chase Freedom $5k and Citi Forward $1k, so don't use CapOne card anymore.

What kind of age/income details are you working with?

Originally Posted by RebelGamer137

I am looking for a good first unsecured credit card. I am NOT interested in a secured credit card. I have tried for several cards so far and so far no luck.

I tried for an Amazon Store Card and got rejected. I tried for an Amazon Visa Card, I am still waiting to hear back from that one. I also tried a Capital One Student Card and I am waiting for a reply but it seems they did reject me when I applied online.

I get that you are not interested in a secured card, but.....! If you keep applying for unsecured, and keep getting rejected, you are racking up hard inquiries on your credit report, lowering your score, leading lenders to think "Either he/she has already got credit from these lenders, so we don't want to take the risk of giving more, or everyone is rejecting, so why should we be different"

If your score is low, or your file thin, secured IS the way to go, at least for a while.

Start with a secured card. Pay your $300 or so deposit. Use the card and be sure to make your monthly payment on time. After a year they'll review you account and see that it's satisfactory and responsibly maintained, they'll return your $300 deposit (plus earned interest) and then they'll convert your secured card to unsecured status. It gets you on the road to additional unsecured credit down the road.

I think if you were denied for an Amazon card that takes all entry level rewards card off the plate. You should be looking at an unsecured card from your bank first then a secured card as a last resort. AFAIK, inquiries don't hurt the chances of getting a secured card so I would take a final shot with your bank issued credit card.

There are easy to get unsecured cards but they come with a price. When my fiance first started out she got a card from First Premier Bank. It had a monthly fee of $7 and a yearly fee of $80. If you request a onCLI and get approved, they automatically tack on 25% of it to your balance. No benefits, no cash back.

I reccomend a secured card.

Originally Posted by Socelli

Start with a secured card. Pay your $300 or so deposit. Use the card and be sure to make your monthly payment on time. After a year they'll review you account and see that it's satisfactory and responsibly maintained, they'll return your $300 deposit (plus earned interest) and then they'll convert your secured card to unsecured status. It gets you on the road to additional unsecured credit down the road.

Just make sure you don't do this with Capital One, as they don't graduate your secured card to unsecured.