9 Easiest Credit Cards to Get in July 2025

The Discover it^® Secured Credit Card is designed for people with bad or limited credit. It comes with a $0 annual fee, great cash back rewards and a welcome offer in the form of a dollar-for-dollar match of cash back earned in your first year. Plus, you can find out if you’re preapproved without harming your credit score. It’s consistently one of our top credit card choices for building credit.

Many of the best credit cards for bad credit are secured cards, which require a security deposit equal to the amount of your credit line (the total balance you can have on the card at one time). That way, if you don’t pay off what you charge, the card issuer can get their money back.

If you consistently make on-time payments, Discover may upgrade you to an unsecured card. They’ll also start conducting regular reviews of your account after seven months to see if you’re eligible to upgrade and get your deposit back.

The Petal^® 1 No Annual Fee Visa^® Credit Card is another top pick for easiest credit card to get with bad credit. While many credit cards for bad credit collect a refundable security deposit of $200 or more upfront, this card does not require you to put down any of your own money.

Another standout feature of this card is the Leap program, which lays out clear steps you can take to improve your credit health and ultimately a credit line increase. Unlike traditional credit builder cards, where you have to wait for the lender to do account reviews and award you a line increase or a card upgrade, the Petal^® 1 No Annual Fee Visa^® Credit Card gives you a clear process to follow, putting more power in your hands.

The Secured Chime Credit Builder Visa^® Credit Card is one of the easiest credit cards to get approved for because it doesn’t require a credit check. Plus, it has other fantastic features for someone trying to build or rebuild their credit. You can deposit any amount into your Credit Builder account to fund your credit line, making it much more affordable than most secured credit cards. And since you have to pay off your account each month, you don’t have to worry about accumulating debt or interest.

That being said, you’ll need an account with Chime with a qualifying direct deposit of at least $200 to get started, and the amount of money in your Chime account will be your credit limit.

The $0-annual-fee Business Advantage Unlimited Cash Rewards Secured credit card lets you earn unlimited 1.5% cash back on all purchases, with no annual cap on how much you can earn (a plus for a business credit card). One drawback is that you must submit a minimum of $1,000 security deposit as your line of credit. It’s a higher amount than many personal secured credit cards require. Still, this more significant amount can be useful for keeping your credit utilization rate low, which is an essential factor in increasing your credit score.

Bank of America periodically reviews your account to determine if you qualify for an unsecured credit card. They also offer Balance Connect® overdraft protection, which connects your credit card account to your Bank of America business checking account to prevent declined purchases.

The Upgrade Cash Rewards Visa^® is an unsecured credit card that functions differently than your average credit card. It’s our top pick for best credit card for fair credit and offers credit lines between $500 and $25,000. You can earn 1.5% unlimited cash back on card purchases every time you make a payment.

With the Upgrade Cash Rewards Visa^®, your purchases are combined into an installment loan with fixed rates and terms at the end of each month. Then, you make your monthly payment for the duration of the loan. This allows you to save more money than if you only made the minimum monthly payment, and it means you know how much you’ll be paying each month. While this does add a different type of credit to your credit report (which can be beneficial), you should note that interest begins accruing from the date of purchase. That means even if you pay your statement balance in full, you will pay some interest.

The Navy Federal Platinum Credit Card is a solid, low-cost choice for those who qualify to join Navy Federal Credit Union. To become a member, you or a qualifying family member must have ties to the U.S. military. In addition to a $0 annual fee, this card offers a $0 balance transfer fee, making it a great choice for those seeking a balance transfer credit card with no fee.

The card does not have a rewards program, making it less valuable than cards like the Discover it^® Secured Credit Card over the long term. However, if you use the Navy Federal Platinum Credit Card to do a balance transfer, rewards are less important as you focus on paying off your credit card debt.

The Best Egg Visa® Credit Card is our pick for easiest credit card to get with no credit because it’s a simple card with low fees that offers preapproval with no impact to your credit. It also stands out as one of the few cards among our picks that offers an intro APR on purchases, though that’s only available to eligible applicants.

The card now offers a rewards program, unlike some easy-to-get cards. The low base rewards rate of 1% cash back on all purchases gets a boost from a choose-your-own bonus of 1% on gas and groceries or 1.5% on payments. That makes this card more valuable than cards that offer cash back only at certain merchants or with special offers.

The Discover it^® Student Cash Back offers fantastic rewards for a card in this category. It’s open to students, and there’s no credit score required to apply. You’ll earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.

Also, new cardmembers will get an unlimited cash back match on rewards earned in the first year. That means you can get twice as much cash back on purchases like restaurants and gas stations in year one. That could go a long way toward funding your books for the next semester.

The Target Circle™ Card is our pick for the easiest store card to get. It has a $0 annual fee and many Target-centric perks store loyalists will love, including free shipping, a discount on Target purchases automatically applied at checkout, plus rewards elsewhere, including double cash back on dining and gas.

Store cards generally are much easier to qualify for than other credit cards, but they tend to have lower credit limits and higher APRs. The high interest rate makes this card a poor choice for anyone who needs to carry a balance. And it’s not a great option for those who shop at Target infrequently.

If you’re an Amazon Prime member and spend money regularly at Amazon.com, the Amazon Prime Store Card may be a great fit for you. Amazon Prime members can earn 5% back at Amazon.com and at Whole Foods — a generous rewards rate, especially for a store card. And there’s no annual fee, unless you count the cost of the Prime membership you need in order to earn cash back on the card.

To justify the Prime membership cost based on your rewards earnings, LendingTree estimates* that you’d need to spend at least $2,780 per year (or $1,380 for the annual student membership) on purchases earning 5% cash back.

*See our value methodology for more details.