Easiest Unsecured Cards To Get
Best Unsecured Card That’s Easy To Get
Capital One QuicksilverOne Cash Rewards Credit Card
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn unlimited 1.5% cash back on every purchase, every day. Plus, earn 5% cash back on hotels and rental carsRead More
Welcome Bonus
N/A
Annual Fee
$39
Regular APR
29.99% (Variable)
Credit Score
Average, Fair, Limited
Our Expert Take
Like all Capital One cards, the Capital One QuicksilverOne Cash Rewards Credit Card has no foreign transaction fees (rates & fees) so you can build credit while gallivanting the globe. Plus, you earn cash back on every purchase.
Why We Like It
Made for those with Average, Fair, Limited credit, the Capital One QuicksilverOne Cash Rewards Credit Card offers the possibility of a higher credit line in as little as six months of responsible card usage. It also earns an unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
What We Don’t Like
The QuicksilverOne carries a $39 annual fee; that means you’ll need to spend around $2,600 every year of ownership to break even. It also comes with a higher than average APR of 29.99% (Variable) on purchases (rates & fees).
Who It’s Best For
For those with Average, Fair, Limited credit looking to improve their scores and earn cash-back rewards on all purchases, the Capital One QuicksilverOne Cash Rewards Credit Card is a solid offering. Travelers can bring this card along on their journeys as it charges no foreign transaction fees.
Pros & Cons
- Unlimited 1.5% cash-back rewards
- Fair-to-average credit applicants considered
- No foreign transaction fee
- Rewards don’t expire for the life of the account
- High APR
- No boosted rate in common spending categories
- No welcome offer
- No intro APR offer
Card Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Unsecured Card for Less Than Perfect Credit
Prosper® Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The Prosper® Card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$39, waived for the first year after signing up for autopay before the first statement is issued
Regular APR
24.24% - 35.74% variable
Credit Score
Bad/Poor
Our Expert Take
The Prosper® Card* shines as one of the few unsecured cards on the market that you can apply for with Bad/Poor credit. Just be careful because the annual fee is waived only for the first year (if you sign up for autopay).
Why We Like It
Those with less than perfect credit can qualify for the Prosper® Card* as there’s no hard credit inquiry until the application decision. Additionally, the card doesn’t require a security deposit so those strapped for cash won’t have to pay out to build their credit. Enrolling in autopay will waive the Prosper® Card*’s annual fee for the first year.
What We Don’t Like
The Prosper® Card* offers no rewards or major benefits beyond educational resources and built-in fraud protection. It also charges a foreign transaction fee: 1% of the transaction amount.
Who It’s Best For
The Prosper Card is best for those with Bad/Poor credit who are willing to use autopay toward their credit card payments and who want to avoid the temptation to spend more than they normally would due to the appeal of rewards.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Rebuild credit with the Proposer credit card, designed to help those get back on their feet. Do your best to avoid cash advances as that activity could negatively affect you in the future. Best of all, you can enjoy no annual fee the first year simply by adding autopay.
Pros & Cons
- No deposit required
- Marketed toward those with less-than-stellar credit
- No hard credit check to review your offer, but credit inquiry only hits upon approval
- $39 annual fee
- 1% of the transaction foreign transaction fee
- No low introductory APR period
- No low introductory balance transfer APR
Card Details
- Initial credit line of $500-$3,000 with automatic account reviews for increases every three months
- No security deposit required
- $39 annual fee, waived for the first year after signing up for autopay before the first statement is issued
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Easiest Rewards Card To Get Without a Deposit
Chase Freedom Rise®
On Chase Bank USA, NA's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5X Reward Rate
Earn 1.5% cash back on every purchase.
Welcome Bonus
$25 statement credit
Annual Fee
$0
Regular APR
26.99% Variable
Credit Score
New To Credit / Limited Credit
Our Expert Take
The Chase Ultimate Rewards® ecosystem is a community favorite and the Chase Freedom Rise® is the perfect way to dip your toes in. After building some credit, you can pair this card with a premium Chase Sapphire card and combine your cash back for the most lucrative redemptions.
Why We Like It
The Chase Freedom Rise® offers a combination of no annual fee, no security deposit and unlimited 1.5% cash back on every purchase, making it a competitive offer for credit-building cards. There are additional benefits, too, like trip interruption/cancellation insurance and extended warranty protection and you can earn a $25 statement credit after signing up for automatic payments within the first three months of account opening.
What We Don’t Like
While the card seems nearly perfect for those trying to build credit, there are some caveats. For one, it comes with a high APR. There are few bonus categories (including Lyft through March 31, 2025) and it charges a foreign transaction fee: 3%of the amount of each transaction in U.S. dollars.
Who It’s Best For
If you have New To Credit / Limited Credit and an extra $250 to spare, by opening a Chase checking account you can increase your odds of approval and reap the benefits of this card.
Pros & Cons
- Unlimited 1.5% cash back on every purchase
- $0 annual fee
- Trip cancellation/interruption coverage
- 5% back on Lyft rides through March 31, 2025
- Low-cost financing on purchases over $100 with Chase Pay Over Time℠
- No bonus categories (except for Lyft)
- High APR
- Foreign transaction fee of 3%of the amount of each transaction in U.S. dollars.
- May not be eligible for balance transfers
- Increased odds of approval for depositing money in a Chase checking account, which requires an extra step that may or may not help you get the card
Card Details
- Increase your approval chances – Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
- Earn Cash Back – With Chase Freedom Rise®, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
- Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
- Credit Limit Increase – As a Freedom Rise cardmember, you’ll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
- Free Credit Score – Track your credit score and learn how to build it with Chase Credit Journey.
- No Annual Fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Rise® card.
- Member FDIC
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Easiest Secured Cards To Get
Best for Building Credit
Secured Chime Credit Builder Visa® Credit Card
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
N/A
Credit Score
Poor, Average (0 - 649)
Our Expert Take
The Secured Chime Credit Builder Visa® Credit Card is a great tool for credit building, even if it lacks rewards or other benefits.
Why We Like It
There are no fees to apply, no annual fees or interest¹, and no fee to replace a lost card. You can use one of Chime’s 50,000-plus fee-free ATMs as well. Chime doesn’t report credit utilization to the credit bureaus, so you don’t have to worry about making a large security deposit and keeping your balance well below the limit. Instead, Chime focuses on on-time payments.
There are a variety of credit building tools built into the card, like Safer Credit Building², which puts a hold on your secured account when you make a purchase and uses that money to automatically pay your monthly balance. You don’t have to go through a credit check to apply, but it still reports your account activity to all three credit bureaus to help boost your score.
What We Don’t Like
The Secured Chime Credit Builder Visa is exclusively for credit building. As such, there isn’t an associated rewards program, so you won’t receive any points or added benefits as a cardholder. You have to set up a direct deposit to a Chime checking account before applying, which can be tedious and limiting to some.
Who It’s Best For
If you already have a Chime Checking Account and can receive a qualifying direct deposit of $200 or more, the Secured Chime Credit Builder Visa can be an attractive option to work on your credit score.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Chime Credit Builder credit card ensures you spend only what you have, a great way to stay on the path toward financial wellness.
Pros & Cons
- No annual fees
- No annual interest charges
- No minimum security deposit requirement
- Use your deposit to pay for your monthly balance (though you must replenish it afterward)
- Reports to all three credit bureaus
- You need a direct deposit account with Chime
- Can’t get a credit limit greater than your deposit
- No option to graduate to an unsecured card
Card Details
- No interest charges¹
- No annual fee
- No foreign transaction fee
- No minimum security deposit required²
- No credit check to apply
- Turn on Safer Credit Building and your balance will be automatically paid on time, every month. We’ll keep the major credit bureaus updated
- Whether it’s gas or groceries, now everyday purchases can count toward building credit
- We’re here to help you break free from fees, annual interest, and large security deposits
¹Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
²Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best U.S. Bank Secured Card
U.S. Bank Altitude® Go Secured Visa® Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 4X Reward Rate
Earn 4 points per dollar on dining, takeout and restaurant delivery, 2 points per dollar at grocery stores, gas andRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
30.24% variable
Credit Score
Good(700 - 749)
Our Expert Take
Building credit can be rewarding, and the U.S. Bank Altitude® Go Secured Visa® Card* is proof with its solid points-earning rate on the things you are already buying.
Why We Like It
The U.S. Bank Altitude® Go Secured Visa® Card* is geared toward those who spend heavily on dining. You’ll see all the standard U.S. Bank secured card features like the ability to build credit and graduate to the unsecured card following responsible account management. But you’ll earn points instead of cash back which equals more redemption options and flexibility.
What We Don’t Like
When you pay your eligible streaming bill every month for a year, you’ll get a $15 statement credit. While any credit is better than none, the hurdles you have to jump through for this one make it feel more gimmicky than useful.
The higher than average security deposit of $300 can make the barrier to entry harder for many.
Who It’s Best For
Despite the pricier security deposit, if you can part with the cash for some time, this card is one of the easiest to get at any credit level. If you need access to credit building and can benefit from the category multipliers, you’ll love this card.
Pros & Cons
- Reports to all three major credit bureaus
- No annual fee
- Comes with a $15 annual streaming credit after 11 months of eligible streaming services payments
- Minimum deposit of $300 is required
- Non-bonus categories earn so-so rewards
- Other secured cards may offer rewards that better align with your spending
Card Details
- Earn 4 points per dollar spent on dining and takeout
- Earn 2 points at grocery stores, gas stations and on streaming services and 1 point on all other eligible purchases
- Earn a $15 streaming credit for annual streaming service purchases like Netflix and Spotify
- $0 annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 2% Reward Rate
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. PlusRead More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
28.24% Variable APR
Credit Score
New/Rebuilding Credit
Our Expert Take
The Discover it® Secured Credit Card is a solid no annual fee choice for anyone who doesn’t have a credit score and is looking to build a credit history while still earning rewards and a welcome offer.
Why We Like It
The minimum security deposit is more accessible than some of the other cards on this list, starting at just $200. After seven months of being a cardholder, Discover will start automatic monthly account reviews to see if you’re eligible to upgrade to the unsecured version of the card and get your security deposit back.
Even though it’s a secured card, it still offers the standard Discover welcome offer—unlimited dollar-for-dollar match of all the cash back you earned in your first year as a cardholder. Like all Discover cards, it doesn’t charge a foreign transaction fee, so you can continue building credit while traveling internationally.
What We Don’t Like
The length of time it can take to graduate to an unsecured card is a bit longer than some of the other cards on this list. The maximum credit limit of $2,500 is also slightly lower and puts a limit on the amount you could earn through the Discover Match®. Apart from the ability to earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases, the card doesn’t offer any tangible benefits or opportunities for elevated earnings.
Who It’s Best For
The Discover it® Secured Credit Card is best for someone without a credit score who is looking to establish a credit history with a clear path to an unsecured card with better benefits.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
No credit history required, the Discover it® Secured Credit Card offers one of the best credit cards for building or rebuilding a healthy credit history, while earning cash back in select everyday categories.
Pros & Cons
- No annual fee
- Earning cash-back rewards is uncommon for a secured card
- Free FICO score access each month
- Cashback Match doubles cash back rewards earning at the end of the first year
- Bonus category rewards are capped
- Like many secured cards, there’s a relatively high APR
- Secured cards require refundable deposits
Card Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Easiest Student Cards To Get
Best Card With a Simple but Lucrative Rewards Structure
Capital One SavorOne Student Cash Rewards Credit Card
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 8% Reward Rate
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More
Welcome Bonus
Earn $50 bonus
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Average, Fair, Limited
Our Expert Take
The Capital One SavorOne Student Cash Rewards Credit Card makes things easy: easy to get, easy to earn rewards and easy to redeem them.
Why We Like It
The Capital One SavorOne Student Cash Rewards Credit Card offers the option to earn rewards in categories where students are more likely to spend their money. It lacks an annual fee (rates & fees) or foreign transaction fees and comes with valuable perks too, making it a solid choice for students new to building their credit.
What We Don’t Like
There’s no introductory APR offer, and while the bonus spending categories are likely to appeal to many students, it’s a bit niche and won’t make sense for everyone. Late payment fees are also high.
Who It’s Best For
Any student new to credit and who already spends money in the eligible bonus categories should consider this card the logical choice for them.
Pros & Cons
- No annual fee
- No foreign transaction fees
- Excellent cash back rewards
- No low introductory APR
- Limited bonus cash back reward categories
Card Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Earn $50 when you spend $100 in the first three months
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Summary of the Easiest Credit Cards To Get in 2024
Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Prosper® Card *
Chase Freedom Rise®
Secured Chime Credit Builder Visa® Credit Card
U.S. Bank Altitude® Go Secured Visa® Card *
Discover it® Secured Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Capital One QuicksilverOne Cash Rewards Credit Card
Best Unsecured Card That’s Easy To Get
Average, Fair, Limited
$39
N/A
Prosper® Card *
Best Unsecured Card for Less Than Perfect Credit
Bad/Poor
$39, waived for the first year after signing up for autopay before the first statement is issued
N/A
Chase Freedom Rise®
Easiest Rewards Card To Get Without a Deposit
New To Credit / Limited Credit
$0
$25 statement credit
Secured Chime Credit Builder Visa® Credit Card
Best for Building Credit
Poor, Average
$0
N/A
U.S. Bank Altitude® Go Secured Visa® Card *
Best U.S. Bank Secured Card
Good
$0
N/A
Discover it® Secured Credit Card
Best for Accessible Rewards
New/Rebuilding Credit
$0
Cashback Match™
Capital One SavorOne Student Cash Rewards Credit Card
Best Card With a Simple but Lucrative Rewards Structure
Average, Fair, Limited
$0
Earn $50 bonus
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
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Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
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Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn $50 when you spend $100 in the first three months
