When it comes to choosing a credit card, there are several factors to consider. The most important ones include the type of card (rewards, cash back, travel, etc.), the annual fees, the interest rates, and the rewards program's terms and conditions. However, if you're looking for a card that is easy to get, then you might want to focus on cards that have low or no prerequisites for approval. In this article, we will explore some of the credit cards that are easy to get and offer various benefits to their customers.
One of the easiest credit cards to get is the Discover it Cash Back Card. This card offers a sign-up bonus of $50 cash back after spending $200 within the first 3 months of account opening. It also has a rotating category each quarter where you earn 5% cash back on all purchases in that category, up to the quarterly maximum ($1,500). There are no annual fees and the intro APR is 0% for 14 months from account opening, which makes it an excellent choice for those who need a short-term solution or are just starting to build credit.
Another easy-to-get credit card is the Capital One QuicksilverOne Cash Rewards Credit Card. This card offers a sign-up bonus of $200 cash back after spending $500 within the first 3 months. It also has a 1.5% cash back rate on all purchases, which can add up quickly. The card has no annual fee and a variable intro APR ranging from 0% to 26.99%, depending on your creditworthiness. This card is a good option for those who frequently use their credit card and want to maximize their rewards.
If you're looking for a card with a lower credit score requirement, the Blue Cash Everyday Card from American Express could be a good fit. This card offers a welcome bonus of 20,000 points after spending $1,000 within the first 3 months. Points can be redeemed for cash back, gift cards, or travel miles at a value of 1 cent per point. The card has no annual fee and a variable intro APR ranging from 0% to 25.49%. American Express is known for its customer service and this card offers a lot of perks, including access to over 400 airline lounges worldwide.
For those who prefer a simpler rewards structure, the Citi Double Cash Card may be the right choice. This card offers a sign-up bonus of $200 after spending $1,000 within the first 3 months. It also has a 2% cash back on all purchases (including 1% when you buy and 1% when you pay for select categories like groceries) and an optional 5% cash back on all purchases made in select rotating categories each quarter. The card has no annual fee and a variable intro APR ranging from 0% to 25.49%.
Lastly, the BankAmericard Cash Rewards Credit Card is another easy-to-get card with a sign-up bonus of $300 after spending $1,000 within the first 90 days. It offers 2% cash back on all purchases and an introductory APR of 0% for 18 months from account opening. The card has no annual fee and a low variable APR after the introductory period.
In conclusion, there are several credit cards that are easy to get and offer various benefits to their customers. Whether you're looking for a card with a simple rewards structure, a high sign-up bonus, or a low credit score requirement, there's likely a card out there that fits your needs. It's important to compare the terms and conditions of each card before applying to ensure you choose the one that best meets your financial goals and preferences. Remember to always read the fine print and consult with a financial advisor if you have any questions or concerns about your credit card choices.